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Frequently Asked Questions

Credit cards FAQs

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.

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.

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. 

Please call us immediately at 855.855.8805.

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.

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

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.

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.

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.

Credit card rates change for several reasons:

Variable Rate
Most credit cards have variable interest rates that are a reflection of the Prime Rate plus margin.  At First Tech, this means that the interest rate can increase or decrease based on the Prime Rate as published in the Western Edition of the Wall Street Journal.

The Annual Percentage Rate (APR) for an individual member’s credit card is determined by their credit score.  When their credit score changes we may change the APR to the current rate we offer for that credit score range, including decreasing the APR when a member’s credit score improves. This is called a reprice and we will always notify you if we change your APR due to a reprice. Accounts are reviewed for repricing on a semi-annual basis.

To meet federal regulation requirements, we periodically review our credit card account owners' credit score(s) to determine if we need to adjust a rate up or down. To ensure you have the best rate possible, the new rate is based on the highest credit score available among all credit card account owners.

Have questions about your rate change? View our comprehensive FAQs.

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

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.

Yes. Simply call us at 855.855.8805 and we can restore your credit line to its prior limit.

We reviewed your credit under what is called a “soft inquiry.” It does not impact your credit score.

Credit bureaus consider a variety of factors when determining a credit score. One of those factors is credit line utilization, which measures how much credit you have available and how much you are using. By increasing the amount of credit available, you may see a positive impact to your credit score.

It is always a good idea to review your credit report annually through You can also visit each of the credit bureaus websites where you will find great information about a variety of factors that impact your score.

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.

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.

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.

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.

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.