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First Tech Routing #321180379

Bank FAQ: Answers to Your Frequently Asked Banking Questions

Get answers to your commonly asked questions about our products and services. Learn about your account, your routing number and more. If you’re not finding the information you need, visit our FAQ center.

Absolutely. First Tech Federal Credit Union is consistently recognized for its commitment to members, employees, and community impact.

Recent Awards & Recognition:

  • Named Best Credit Union in California and Oregon by Money Magazine
  • Honored as Best Credit Union for Everyone by Money Magazine
  • Awarded Best Checking and Savings Combo for 2023–2024 
  • Winner of the 2025 USA TODAY Top Workplaces Award, based on employee feedback and workplace excellence 

These honors reflect our dedication to creating effortless banking experiences, supporting financial wellness, and fostering a culture of belonging—for both members and employees.

 Learn more about us

You can easily find your First Tech account number by logging in to Online Banking:

Steps to view your account number:

  1. Log in to Digital Banking.
  2. From the Account Summary screen, click on the account you want to view.
  3. Select Account Details—your full account number will be displayed there.

Your account number is unique to you and is used for direct deposits, transfers, and other banking services. Keeping it secure is important, so we make it easy to access while protecting your privacy.

 Log in to Online Banking

An ACH transaction (Automated Clearing House) is an electronic transfer of funds to or from your account. These transactions are commonly used for:

  • Direct deposits (e.g., payroll, government benefits)
  • Automatic payments (e.g., bills, subscriptions)
  • Transfers between financial institutions

Types of ACH transactions:

  • ACH Credit: Money is deposited into your account (e.g., paycheck).
  • ACH Debit: Money is withdrawn from your account (e.g., utility bill payment).

You can initiate an ACH transaction through First Tech by:

  • Working with a representative
  • Setting up an external transfer in Digital Banking

If the transaction was initiated by another institution, it means an account holder provided your First Tech account number and routing number to authorize the transfer.

Log in to Digital Banking

Adding a joint owner to your First Tech account is easy and secure.

If you're opening a new account:

  • You can add a joint owner during the online application process. Just follow the prompts when applying.

If you're adding a joint owner to an existing account:

  • You can find the “Add a Joint Owner” form within Online Banking by navigating to:
    Services > Account Change Request > Add a Joint Owner Form

Joint ownership allows shared access to the account, making it easier to manage finances together—whether with a spouse, family member, or trusted partner.

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Login to Digital Banking

You can withdraw up to $1,015 per day, per cardholder when using your First Tech debit card. This daily limit helps protect your account and ensures secure access to your funds.

A few things to keep in mind:

  • If you use a non-First Tech ATM, the limit may vary depending on the ATM owner’s policies.
  • Third-party ATM fees may apply and are not included in your daily withdrawal limit.
  • Need more cash? Visit a First Tech location near you or use our ATM locator to find surcharge-free options.

We’re here to make accessing your money simple, secure, and stress-free.

If you're a member of a Shared Branch credit union we're able to provide cashier's checks in select locations. Utilize the 'Shared Branch Locator' for a branch near you!

Please note that certain limits and fees may apply—check our Fee Schedule for details.

If you’re not a First Tech member or affiliated with a Shared Branch credit union, we’re unable to issue cashier’s checks at this time. We encourage you to explore membership options—joining is easy and opens the door to a full suite of secure, member-first banking services.

Yes—you’re in control. At First Tech, we make it easy to personalize your PIN so it’s secure and easy to remember.

Change your PIN in Online Banking

You can update your PIN for your First Tech Debit or Credit Mastercard® in just a few clicks:

  1. Log in to Online Banking
  2. Go to Manage Cards
  3. Select your card
  4. Choose Change PIN
  5. Enter your new four-digit PIN twice to confirm
  6. Click Submit

Prefer to visit us in person?

Stop by any First Tech location with:

  • Your ATM or Debit Card
  • A valid government-issued photo ID
    Our team will help you set a PIN that works for you.

Use a First Tech ATM

You can also change your PIN at any First Tech ATM. Use our ATM locator to find one nearby.

Need help?

If you’re unable to visit a branch or ATM, we’ve got you covered.
Call us at 855.855.8805 or send a secure message through Online Banking, and we’ll help you reset or resend your PIN.

We’re here to make the process simple and secure.

To close an account, just send us a secure message through Online Banking or give us a call at 855.855.8805. We’ll ask for a few details to verify your identity and guide you through the next steps.

Before closing your account, we recommend:

  • Transferring or withdrawing any remaining funds.
  • Canceling any scheduled payments or direct deposits.
  • Downloading any statements you may need for your records.

We’re always sad to see a member go—but if there’s anything we can do to improve your experience, we’d love to hear from you.

Online Banking Login

Contact Us

Ordering checks is simple and secure.

To place your first order: Please contact us directly so we can help you set up your initial check order with the correct account details.

To reorder checks with the same information: You can do this easily through Digital Banking:

  1. Log in and go to Services > Check Services.
  2. Click Order Checks.
  3. Select your account and click Next.
  4. Review the disclaimer and click Order Checks again.
  5. A secure website will open in a new tab.
  6. Browse and personalize your check design.
  7. Preview your order and review the cost.
  8. Submit your order.

We’re here to make everyday banking easy, flexible, and member-first—so you can focus on what matters most.

Log in to Digital Banking
Contact us for first-time check orders

Yes—your peace of mind is our priority.

All deposits at First Tech are federally insured up to $250,000 per member by the National Credit Union Administration (NCUA). This includes checking, savings, and certificate accounts. Additionally, Individual Retirement Accounts (IRAs) are insured separately up to $250,000.

NCUA insurance means your money is protected—even in the unlikely event of a credit union failure. It’s one of the many ways we keep your banking experience secure and worry-free.

Want to learn more? Visit the NCUA Insurance Coverage Guide for full details.

Helpful Resources

We don’t offer money orders—but we’ve got a great alternative.

First Tech provides cashier’s checks at no cost to members. They’re a secure and reliable way to make payments when cash or personal checks aren’t an option. Just visit any Experience Center and we’ll help you get one quickly and easily.

If you’re looking for a money order specifically, we recommend checking with your local post office or grocery store, as many offer them for a small fee.

Helpful Resources

Yes—we’re proud to be part of the Shared Branching network, giving you access to your First Tech accounts at over 5,000 credit union branches and self-service kiosks nationwide.

Whether you're traveling, relocating, or just need a convenient location, you can:

  • Make deposits and withdrawals
  • Transfer funds
  • Make loan payments
  • Access account information

Just bring a valid photo ID and your First Tech account number to complete your transaction.

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Starting May 1, 2025, Velera is introducing IDCheck—a secure identity verification process designed to protect members from fraud when accessing funds at Shared Branch locations.

What is IDCheck?

IDCheck adds an extra layer of security when you use an out-of-state ID at a Shared Branch. It helps ensure that your transactions are safe and your identity is verified.

When is IDCheck required?

You’ll need to use IDCheck if:

  • You’re making a withdrawal at a Shared Branch in a different state than the one that issued your ID.

You won’t need IDCheck if:

  • You’re making a deposit, even at an out-of-state Shared Branch.
  • You’re visiting a Shared Branch in the same state as your ID.

How do I use IDCheck?

  1. Visit the out-of-state Shared Branch.
  2. Scan the QR code posted in the branch using your smartphone.
  3. Follow the on-screen instructions to verify your identity.
  4. Share the access code with a branch employee to complete your transaction.

If you don’t have a smartphone, ask the branch if they offer a tablet for IDCheck access.

Will this affect First Tech branches?

No. IDCheck only applies to Shared Branching locations. Transactions at First Tech branches will continue as usual.

Can I still access my funds without using IDCheck?

Yes! You can always access your funds through any ATM in the Shared Branching network—no IDCheck required.

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The routing number for First Tech is 321180379.

You’ll need this number for tasks like:

  • Setting up direct deposit
  • Making wire transfers
  • Linking accounts for bill payments or external transfers

 If you’re unsure where to enter it or need help with a specific transaction, we’re here for you—just contact us or visit a nearby Experience Center.

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EMV chip cards are designed to keep your transactions safe and your personal information protected.

Unlike magnetic-stripe cards, EMV cards generate a unique, one-time transaction code every time you use them at a chip-enabled terminal. This code can’t be reused, making it extremely difficult for fraudsters to copy or counterfeit your card.

When you insert your card into a chip terminal, the transaction is securely authenticated, helping ensure it’s a genuine purchase and not a fraudulent attempt.

It’s just one of the many ways First Tech helps keep your banking experience secure and worry-free.

Helpful Resources

You’ll typically receive your First Tech debit card within 10 business days after opening your account.

Once your card arrives:

  • Activate it by calling the number on the back.
  • Set your PIN if you haven’t already.
  • You’re ready to start using it for secure purchases, ATM access, and more.

If it’s been more than 10 business days and you haven’t received your card, please contact us or visit a nearby Experience Center and we’ll be happy to help.

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Yes, First Tech offers Notary services to members by appointment at select Experience Centers.

To schedule an appointment or check availability in your area, please contact us or visit a nearby Experience Center.

 Please note:

Our Notaries are unable to notarize the following:

  • Wills or living wills
  • Incomplete or illegible documents
  • I-9 employment verification forms
  • Vital record certifications
  • Documents written in a language other than English
  • Protests or depositions

We recommend speaking directly with the Notary to confirm your document type and ensure it meets eligibility requirements.

Helpful Resources

At First Tech, we’re committed to keeping your banking experience secure and reliable.

Sometimes, we place a temporary hold on deposited checks to ensure the funds clear before they’re available. This helps protect you—and the credit union—from potential issues like returned or unpaid checks, which could result in a negative balance if the funds were spent too soon.

The length of the hold depends on factors like:

  • The type of check deposited
  • Your account history
  • The amount of the deposit

If your check is held for more than two business days, we’ll notify you with the details.

If you have questions about a specific deposit, feel free to send us a secure message, contact us, or visit a nearby Experience Center.

Helpful Resources

At First Tech, we offer both fixed and variable rate loans—each designed to fit different financial needs and goals.

Fixed Rate Loans

  • Your interest rate stays the same for the life of the loan.
  • Monthly payments are predictable, making it easier to budget.
  • Common for auto loans, personal loans, and some mortgages.

Variable Rate Loans

  • Your interest rate can change over time, based on an index like the Prime Rate, plus a margin.
  • Monthly payments may increase or decrease depending on your balance and the current rate.
  • Often used for revolving credit like credit cards or lines of credit.

Variable rates offer flexibility, while fixed rates offer stability. If you're unsure which option is right for you, we’re here to help—just contact us or visit a nearby Experience Center.

Helpful Resources

Variable interest rates can change over time—and here’s why:

Most variable rate loans are tied to an index, such as the Prime Rate, which is influenced by decisions made by the Federal Reserve Board. When the Prime Rate goes up or down, your loan’s interest rate may adjust accordingly, based on the terms outlined in your loan agreement.

This applies to many loan types, including:

  • Adjustable-rate mortgages
  • Personal loans
  • Credit cards
  • Home equity lines of credit

To check your current rate or see how changes may affect your loan:

  • Review your loan disclosures
  • Log in to Digital Banking
  • Check your monthly statements

We’re here to help you understand your loan and plan confidently for the future.

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