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First Tech Routing #321180379

Transfers Frequently Asked Questions

An ACH transfer (Automated Clearing House) is a secure, electronic way to move money between financial institutions. It’s commonly used for:

  • Direct deposits (like paychecks or government benefits)
  • Recurring payments (such as mortgage, rent, or utility bills)
  • Bank-to-bank transfers (between your First Tech account and accounts at other institutions)

ACH transfers are a reliable and cost-effective way to manage your finances digitally. While they’re not instant, they typically process within 1–3 business days, depending on the receiving institution.

Transfer Options at First Tech

We offer multiple ways to move your money—each designed for speed, security, and convenience:

Internal Transfers

Between First Tech accounts

Instant

Digital Banking or Mobile App

External Transfers (ACH)

To/from other banks or credit unions

1–3 business days

Digital Banking

Wire Transfers

Large or time-sensitive transfers

Same-day (if submitted before cutoff)

Schedule an Appointment or visit a branch

Helpful Resources

Both ACH and wire transfers are secure ways to move money—but they differ in speed, cost, and how they’re processed.

ACH Transfer (Automated Clearing House)

  • Best for: Direct deposits, bill payments, and bank-to-bank transfers
  • Processing time: Typically 1–3 business days
  • Cost: Usually free
  • How it works: Funds are routed through the ACH network, a batch-based system used by banks and credit unions nationwide
  • Set up via: Digital Banking under External Transfers

Wire Transfer

  • Best for: Urgent or high-value transfers
  • Processing time:
    • Domestic wires: Usually same-day if submitted before cutoff
    • International wires: Minimum 2 business days
  • Cost: May include fees (varies by destination and type)
  • How it works: Funds are sent directly through systems like Fedwire, bypassing batch processing for faster delivery
  • Cutoff times:
    • Online wires: Submit by 12:00 PM PT
    • Branch wires: Submit by 2:00 PM PT, Monday–Friday
  • Set up via: Schedule a Virtual Appointment or visit a branch

Helpful Resources

Need to move money from another financial institution to your First Tech account? We’ve made it easy, secure, and flexible.

An ACH Origination allows First Tech to initiate a transfer on your behalf using your external bank’s routing number and account number. You can request this transfer in several ways:

During Account Opening

Set up your initial funding when opening a new account online or in a branch.

Through Digital Banking

Log in and request an external transfer under the Transfers section.

 With Help from a First Tech Team Member

Visit a branch or schedule a virtual appointment to get personalized support.

Note: Returned ACH Originations may be subject to a fee. Please refer to our Fee Schedule for details.

Helpful Resources

To receive a domestic wire transfer to your First Tech account, share the following details with the sender:

  • Receiving Institution Name: First Technology Federal Credit Union
  • Routing Number: 321180379
  • Institution Address:
    5100 NE Dawson Creek Drive
    Hillsboro, OR 97124
  • Your Information:
    • Full Name (as it appears on your account)
    • First Tech Account Number
    • Your Mailing Address

Tip: Double-check all details before sharing to avoid delays or rejections.

Helpful Resources

Receiving an international wire transfer? We’re here to make it smooth and secure.

To ensure your funds arrive correctly, please contact us directly. International wires require specific details that vary by country and sending institution, so we’ll guide you through the process to avoid delays or errors.

Contact Us for Support

 

A First Tech representative will help you gather the correct information, including any required intermediary bank details, SWIFT/BIC codes, and account identifiers.

Helpful Resources

We post all incoming wire transfers by 4:00 PM PT on the business day they’re received.

The exact time your wire arrives depends on when the sending financial institution initiates the transfer and their processing schedule. Once received, we’ll credit your First Tech account the same day—no delays, no guesswork.

Tip: If you're expecting a wire and it hasn’t arrived by 4:00 PM PT, we recommend checking with the sender to confirm the transfer details and timing.

At First Tech, we’re committed to transparency and helping you move your money with confidence. Here’s a breakdown of our current wire transfer fees:

 

Outgoing Domestic Wire

$20

Outgoing Foreign Wire

$65

Incoming Wire (Domestic or Foreign)

$5

 Definitions & Notes:

  • Domestic Wire: A transfer between financial institutions within the U.S.
  • Foreign Wire: A transfer between institutions in different countries. These often route through correspondent banks, which may charge additional fees. These fees are not controlled by First Tech, and you are responsible for any charges assessed by those intermediary banks.
  • Receiving Institution Fees: The financial institution receiving your wire may also charge a fee. We recommend checking with them directly.

 

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