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Frequently Asked Questions

Digital Banking FAQ's

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If you wish to use Bill Pay, then you must have an active checking account at First Tech and be enrolled in digital banking. Your accounts must all be in good standing, which is defined in section 2B of the Limitation of Services & Termination of Membership Corporate Policy. Additionally, you'll need to have a U.S. home address and phone number on file with First Tech.

The Bill Pay delivery timeline depends on dates selected and the payment type depends on the payee. Delivery timeline: The pay date you choose is the day your payment will arrive at the payee. We deduct funds from your account on the same day. Delivery cannot be on a weekend or holiday, and scheduled transfers that fall on a weekend or holiday will automatically be moved to the business day prior to the scheduled date. Payment method: Our Bill Pay processor decides which fund type to send based on several different factors. If the payee information is updated, then there may be a change in delivery options. There are two different fund types: Electronic payments are sent 2-3 business days before due date while paper check payments are sent 4-7 business days before the due date.

Yes, you can have two separate payees to the same business or individual. We recommend you give them different nicknames for your own reference. The nickname is not disclosed to the recipient on the payment.

Login to Online Banking. Under the Bill Pay dashboard, select the payee you wish to view or edit. Then click on the “Manage” tab to access the Payee information. Select the eye icon to view your listed account number for the payee or the pencil icon to edit the account number.

Online Banking and the Mobile App use several methods to ensure that your information is secure when paying bills.

SSL: Secure Sockets Layer ensures that your connection and information are secure from outside inspection.

Encryption: We use 128-bit encryption to make your information unreadable as it passes over the Internet.

Automatic Sign Out: Online Banking automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes).

We recommend linking an overdraft protection source to your checking account for the best experience. If the payment is scheduled and funds are unavailable, then the payment will still debit on the delivery date and your account will be drawn negative. Once your account overdraws, it's your responsibility to bring the account to a positive balance. See Fee Schedule/Sheet for any associated cost with returned or paid Bill Pay payments. See Account Agreement for more information on overdrawn accounts.

No, we do not have a way for you to determine if a payment was scheduled on mobile or desktop.

When a payee is deactivated, they are moved into a separate deactivated payee list, but all history for that payee remains in Bill Pay. A deactivated payee will not be made available to choose when you want to make a payment. We recommend you only deactivate retired or inactive payees.

A managed payee's contact information is maintained by us, whereas a manual payee's contact information is not. The simple way to distinguish between the two is: If you have to manually enter the address for the payee, they are considered a manual payee. If the managed payee's contact information changes, then you can maintain the older incorrect information as our information is internally managed.

All eBill information can be found under the "Payees" tab. If your payee is eligible for eBills, they will have an eBill tab available. Select "Setup eBills" to begin the enrollment process, which will require your login credentials for the payee's direct portal. You can also watch this video on how to set up and navigate eBills.

You can pay almost any person or business in the United States that you desire to pay by check or automatic debit. Do you have a bill that can’t be paid electronically? We will send a check and take care of the postage, saving you a stamp and a trip to the post office.

To enroll in Bill Pay, you must first enroll in digital banking to acquire a username and password. You must have a checking account and meet the Bill Pay requirements. Select the Bill Pay feature in Online Banking, accept the disclosure, and you are automatically enrolled into Bill Pay.

There is no cost for Apple Pay; however, message and data rates may apply.

Please visit your digital wallet service provider’s website and follow all the steps there to add your First Tech card.

Please make sure your new password is at least 12 characters in length, contain at least one lowercase letter, at least one uppercase letter, at least one number and at least one special character. You may not be permitted to reuse any of your previous three passwords. Additionally, you’ll need to manually choose the email or phone number you’d like us to use when sending a temporary password.

Yes, you can change the order your accounts are displayed. Login to Online Banking, select the Settings link in the upper right of the screen, select the Accounts tab and then use the "Reorder Accounts" button. Within the Accounts tab, you can also update your account nickname or hide an account. You can also refer to this nickname when you interact with us.

Select your name at the top of the screen, and select the Settings in the dropdown. In Settings, select the Contact tab, then click the Edit button next to the information you want to update. Once you finish, select the Save Changes button. You may be required to confirm the changes through additional authentication.

You can have five features displayed within the dashboard menu in Online Banking; these are considered your "Favorite" features. To manage your favorites and add or remove features listed within the More options, select More and go to Widget Options. You will be directed to the Widgets tab in Settings, where you can select the star to favorite and un-favorite features to the menu and drag your favorites to reorganize them. You can also add and remove features listed under More. Note: Removing a feature here will also remove it from your view in the First Tech App.

Login to Online Banking or the App and click on the Manage Cards feature. Select the First Tech credit card you wish to transfer a balance to, then click Balance Transfer. Fill in the required information for the other financial institution, and make sure that the address provided is specifically for credit card payments.

Enroll at or download the First Tech App.