Credit cards Frequently Asked Questions

You can personalize your debit or credit card PIN by using the “Manage Cards” feature in digital banking or at any First Tech ATM. You can also update your debit card PIN at any First Tech location. In order to change your PIN at a First Tech ATM, you will need to have your existing PIN available.

Find a nearby First Tech ATM or branch location on our mobile app or at firsttechfed.com/locations.

Yes, we recommend setting travel alerts on your card(s) to prevent our fraud monitoring system from blocking transactions that occur outside of your usual area. You can set travel alerts by using the “Manage Cards” feature in digital banking or by visiting a First Tech 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). Simply reply to the text alert to confirm whether or not you recognize a potentially suspicious transaction, and you can lock your card or leave it unlocked with your text response. The service is free and enrollment is easy.

Register here.

You can change your digital banking username or password once logged in to First Tech Digital Banking. Go to “Settings” then “Security”. You’ll be prompted to complete the two-factor authentication process.

Log in to digital banking, select your credit card account and click the “Account Details” tab.

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

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

You can recover your digital banking username by selecting the “Forgot Username” link on our digital banking log in page. From there, you'll be prompted to enter your account number, date of birth and Taxpayer Identification Number (TIN). You’ll then be prompted to complete the two-factor authentication process.

You can reset your digital banking password by selecting the “Forgot Password” link on the digital banking log in page. From there, you'll be prompted to enter your username, date of birth and Taxpayer Identification Number (TIN). You’ll then be prompted to complete the two-factor authentication process.

You can make a payment for your First Tech credit card online when you log in to digital banking and click the “Pay” button next to your credit card account. You can also transfer money to the credit card account in digital banking from your checking or savings account.

To access your Rewards Program, log in to Digital Banking and select Card Services from the menu. Choose the card you'd like to manage, then click Rewards. You will be redirected to our Rewards website, where you can view and redeem your available rewards points. If you need further assistance, you can schedule a virtual or in-person appointment, and a First Tech representative will be happy to assist you.

Log in to digital banking or the First Tech mobile app select “Card Services” then “Manage Cards”. Choose the card you would like to receive the balance then follow the prompts to transfer your balance.

Yes. First Tech reports all authorized users to Experian, Equifax, TransUnion and Innovis in order to comply with regulatory requirements. If 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.

No, there is no fee for paying off your First Tech credit card.

Merchants who accept Visa or Mastercard credit cards are assigned a merchant code. This code is determined by the merchant or its processor in accordance with Visa and Mastercard procedures, and is based on the kinds of products and services the merchant offers. 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 a particular category.

If you don't know your current debit or credit card PIN, you can change it by using the “Manage Cards” feature in digital banking. You can also change your debit card PIN at any First Tech location.

Find a nearby First Tech ATM or branch location on our mobile app or at firsttechfed.com/locations.

There are several different types of credit cards and each financial institution will have their own requirements for obtaining a card. These requirements are subject to change over time as each financial institution reassesses their own rules and regulations. A borrower’s score will also determine their Annual Percentage Rate (APR). Credit cards have variable APRs which are typically tied to the Prime Rate, so expect fluctuation over time.

Your current card can be used until the last day of the month in which it's set to expire. In the event you haven't received a replacement card by the end of the month the card is set to expire, please send us a secure message through digital banking. You can also visit a First Tech location near you and we can check the status of your replacement card.

If your card is lost or stolen, you can replace it yourself 24/7 through Digital Banking. From the Card Services menu, select Manage Cards, choose the card that was lost or stolen, and select Replace Card from the available options.

Once your replacement card is ordered, you can access your new card details in Digital Banking and add your new card to your digital wallet while you wait for your physical card to arrive by mail.

Please contact us immediately, either through a Secure Message in digital banking or by calling 855.855.8805.

Authorized users can make purchases both at point-of-sale and online merchants.