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Frequently Asked Questions

Credit cards Frequently Asked Questions

Yes, you can personalize your own debit or credit card PIN. Your chip card must be present in order to immediately change your PIN.

- Debit Cards: Bring your card to any First Tech ATM or First Tech location and personalize your PIN.
- Credit Cards: Use any First Tech ATM to personalize your PIN.

Locate a local First Tech ATM or location, through our mobile app or by calling 855.855.8805.

Yes, we actually recommend setting a travel alert on your cards to prevent our fraud monitoring system from blocking your card when they notice spending outside of your usual area. Please contact us and provide your travel dates and destination(s).

You can send a secure message through Online Banking, contact us at 855.855.8805 or visit a location near you.

Yes, First Tech offers real time fraud text alerts. With text alerts, you can help prevent fraudulent transactions from occurring on your card(s). The service is free and enrollment is easy.

How it works:

  • A text message will be sent to your mobile device when there is a suspicious transaction identified on your First Tech card account.
  • Simply reply to confirm whether or not you recognize the transaction(s).
  • If you reply that you recognize the transaction(s) your card will remain available for use.
  • If you do not recognize the transaction(s) or we do not receive a confirmation reply, we will block usage of your credit card until we hear from you.

Register Here

Login to Online Banking, select your credit card account and click the Account Details tab.

The payment amount is 2% of balance, $25, or the entire balance if the balance is less than $25.

You can establish automatic, re-occurring payments for the minimum amount due, a specific amount (i.e. $100 per month) or pay the balance in full each month.

If you would like assistance at any point, please contact us at 855.855.8805 or visit a location near you.

Please send us a secure message from the Message Center in digital banking.

You can reset your Online Banking password by selecting the Forgot Password link next to the Password field after you’ve entered your username. From there, you're prompted to answer security questions. If you haven't set up authentication questions or need assistance with your username or password, please contact us at 855.855.8805 or visit your local branch.

You can pay your First Tech credit card online when you log in to Online Banking and click the “Pay” button next to the credit card account. You can also transfer money to the credit card account in Online Banking from your checking or savings account. For more ways to make a payment visit First Tech’s website.

To access the new Rewards Program, log into Online Banking or the Mobile App* and look for the Manage Cards Widget in the menu on the left. You will see images of your cards. Click on the image of your card for more details, and then click on the Rewards tab at the top. Once you’re in the rewards site, you’ll see instructions for redeeming your points. If you need further assistance, please contact us at 855.855.8805 or visit a location near you.

Business Rewards Members: Business Rewards cannot be accessed from within Online or Mobile Banking. To access Business rewards points, go to You will need to register your Business Rewards card before logging in the first time.

iOS devices must access the rewards site from Online Banking (desktop, not the mobile app) due to Apple security settings.

With First Tech’s Manage Cards tools, transferring your balances and saving money every month is easier than ever. Unlike most of our competitors, there isn't a fee for this service. Just log into Online Banking or the Mobile App and go to Manage Cards. Select the card you would like to transfer the balance to, and follow the prompts.

Important: Before you can begin using your chip card, you need to do two things:

  1. Obtain your PIN. For security reasons, your PIN is mailed separately from your card.
  2. Activate your new card per the instructions on the front of the card.

Chip cards are easy to use. Your First Tech Mastercard has chip and magnetic stripe technology. That means, regardless of what type of terminal a merchant has, you'll be able to use your card anywhere Mastercard is accepted. Your PIN will be required for most transaction types. Some merchants may ask you to sign for your transaction.

At retailers with chip-enabled terminals: Insert your card and follow the prompts on the terminal.

At retailers without chip terminals: Swipe your card and proceed as you normally would.

Over the phone or online: Provide your card information the way you always have when you're ready to make a purchase.

Yes. First Tech reports Authorized Users to Experian, Equifax, TransUnion, and Innovis in order to comply with regulatory requirements.  Should you have more questions about how an Authorized User role impacts credit, please reach out to the credit bureaus directly.  Since First Tech is not an official credit reporting agency, we are unable to answer questions regarding credit reports or scores.

Absolutely not - You're welcome to payoff your credit card at anytime.

If you have any questions, please contact us at 855.855.8805 or visit a location near you.

We offer several rewards packages through our credit cards in an effort to provide you with the flexibility to choose how you want to reward yourself. Choose from travel, merchandise, cash and more.

Browse our Credit Card product pages to review and compare rewards programs.

Merchants who accept Visa/MasterCard credit cards are assigned a merchant code which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the kinds of products and services they primarily sell. First Tech groups similar merchant codes into categories for purposes of making rewards offers to you. Please note that First Tech makes every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category.

We can help you with that! Just stop by any First Tech Experience Center location or call our Experience Contact Center at 855.855.8805. 

Chip and PIN is the most secure type of credit card technology. Instead of a signature being used for identity verification, it requires you to enter a four-digit Personal Identification Number (PIN) that must correspond to information contained in a computer chip embedded within the card. The Chip and PIN authentication method has been a global standard across Europe and Asia for many years which means using your card while traveling overseas will be even more convenient. Authorizing your transactions with a PIN is not new to debit card transactions, but is a new way to authorize payments with a credit card.

You may occasionally still be asked to sign for transactions while using your chip card. Please be assured that while these transactions are still secure, many merchants do not yet support chip and PIN so you may encounter this from time to time. First Tech is committed to ensuring chip and PIN technology is available wherever merchants accept it. Learn more at

Credit Card Rewards Categories

Important: First Tech does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for Rewards Points. Reward points will not accumulate until the transaction has posted to the account.

There are several different types of credit cards and each financial institution will have their own requirements for obtaining a credit card. These requirements will even change over time as the financial institution looks to have a balance of borrowers at different risk levels. Various credit scores are made available to financial institutions so it’s hard to know which score they may be looking at. A borrower’s score will also determine what their Annual Percentage Rate (APR) is. Credit cards have variable APRs which are typically tied to the Prime Rate, so expect fluctuation over time.

Your current card can be used through the entire month in which it’s set to expire. In the event you haven't received a replacement card towards the end of the month the card is set to expire, send us a secure message through Digital Banking. You can also visit a First Tech location near you and we'll check the status of the replacement card.

Please call us immediately at 855.855.8805 or visit one of our Experience Center locations. You can also request a new card with the Replace Card feature found in Online Banking and the Mobile App. Online Banking instructions. Mobile App instructions.

Please call us immediately at 855.855.8805.