Can I personalize my card PIN?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 by visiting firsttechfed.com/locations, through our mobile app or by calling 855.855.8805.
What if I do not know my current PINWe can help you with that! Just stop by any First Tech Experience Center location or call our Experience Contact Center at 855.855.8805.
What should I do if there are fraudulent transactions on my credit card?Please call us immediately at 855.855.8805.
What should I do if my card is lost or stolen?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.
Does First Tech offer Fraud Text Alerts for credit cards?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.
Can I place a travel alert on my credit and/or debit cards?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.
How do I transfer a credit card balance from another financial institution to my First Tech credit card?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.
Is there a fee to payoff my credit card with you?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.
Why did my credit card rate change?Credit card rates change for several reasons:
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.
Why did my credit card's interest rate increase?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.
What should I do if I didn't receive a replacement credit card by the time mine expired?
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.
First Tech just increased the credit limit on my credit card. Can I opt out?Yes. Simply call us at 855.855.8805 and we can restore your credit line to its prior limit.
First Tech just increased the credit limit on my credit card. Did you pull my credit?We reviewed your credit under what is called a “soft inquiry.” It does not impact your credit score.
First Tech just increased the credit limit on my credit card. Will the limit increase affect my 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 www.annualcreditreport.com. 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.
How do I use a Chip and PIN card?Important: Before you can begin using your chip card, you need two things:
- Obtain your PIN. For security reasons, your PIN is mailed separately from your card.
- 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.
How can I locate my credit card payment information online?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.
What credit card reward programs do you offer?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.
How do I redeem my credit card reward points online?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 https://bizrewards.firsttechfed.com. 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.
What benefits does my debit card offer?Learn more here.
What is the difference between Chip and PIN versus Chip and Signature?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 firsttechfed.com/mastercard.
Credit Card Rewards Categories
What determines whether a merchant falls within a particular rewards category?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.
What types of merchants are in the ‘travel’ category?
(First Tech’s travel category is made up of certain airline, transportation and lodging merchants)
Airline tickets made directly with the airlines will qualify unless the merchant has set up such purchases to not be included in the airline category. Please note that other air travel-related purchases may or may not qualify; for example, in-flight purchases, the purchasing of airline miles or points, non-ticket purchases made within the airport, and airline tickets purchased through travel agencies, discount travel sites, vacation clubs, tour operators, or tickets booked as part of a travel package offered by non-airline merchants unless the merchant has set up such purchases to be classified in the airline category.
Car rentals for the purpose of driver and passenger transportation will qualify unless the merchant has set up such purchases to not be included in the transportation category. Please note that other car rentals not booked directly with the car rental agency may not qualify; for example, car rentals purchased through travel agencies, discount travel sites, vacation clubs, tour operators, or as part of a package offered by merchants such as cruise lines and railways
Merchants in the local transit/commuting category include operators of buses, taxis, limousines, cruises, travel agencies and tour operator unless the merchant has set up purchases to not be included in the transportation category. Please note that some merchants that provide transportation and related services are not included in this category; for example, freight railroads, passenger railways, ambulance services, moving and storage companies, local deliveries, couriers services, boat leases and rentals, marinas and marine services and supplies, bridge and road fees and tools, motorhome and recreational vehicle rentals, truck rentals, automobile parking lots and garages unless the merchant has set up such purchases to be classified in the transportation category.
Lodging merchants may include and are not limited to those in the following categories: hotels, motels, smaller establishments like bed & breakfasts, and inns. Please note that hotel accommodations not booked directly with the hotel may or may not qualify; for example, hotel accommodations purchased through travel agencies, discount travel sites, vacation clubs, tour operators, or as part of a package offered by merchants such as cruise lines and railways. Please note that purchases other than your room bill on the hotel premises will not be included in the hotel accommodations category unless the hotel has set up such purchases to be classified in a hotel category; for example, restaurant or entertainment purchases. Please note that the purchasing of hotel points will not qualify in this category. In addition, lodging like short term rentals of spare rooms, apartments and homes, Timeshares, campgrounds and trailer parks service merchants will not be included in this category unless the merchant has set up such purchases to be classified in the lodging category.
What types of merchants are in the ‘dining’ category?Dining merchants may include and are not limited to those in the following categories: sit-down or eat-in dining, including fast food restaurants and fine dining establishments. Please note that some merchants that sell food and drinks located within larger merchants such as sports stadiums, hotels, casinos, theme parks, grocery, and department stores may or may not be included in this category unless the merchant has set up such purchases to be classified in the dining category. In addition, gift card and delivery service merchants will not be included in this category unless the merchant has set up such purchases to be classified in the dining category.
What types of merchants are in the 'grocery stores' category?Grocery store merchants may include and are not limited to those in the following categories: merchants that offer a full service grocery line of merchandise including a deli and bakery as well as smaller grocery stores. Please note that some merchants that sell grocery items are not included in this category; for example, larger stores that sell a wide variety of goods and groceries, such as warehouse clubs, discount stores and some smaller merchants such as drugstores, merchants that specialize in only a few grocery items, purchases made at gas stations from merchants who also operate grocery stores, and delivery services are not included in this category unless the merchant has set up such purchases to be classified in the grocery stores category.
What types of merchants are in the 'gas’ category?Gas station merchants may include and are not limited to those in the following categories: automotive gasoline that can be paid for either at the pump or inside the station, and may or may not sell other goods or services at their location. Please note that some merchants that do not specialize in selling automotive gasoline are not included in this category; for example, truck stops, boat marinas, oil and propane distributors, home heating companies, fuel dealers–coal, fuel oil, liquefied petroleum, wood may or may not be included in the gas station category unless the merchant has set up such purchases to be classified in the gas station category.
What types of merchants are in the "electronics" category?Electronic merchants may include and are not limited to those in the following categories: Stores that sell a variety of electronic goods that may include computers, appliances, television, mobile phones, tablets, cameras, game consoles, printers and radios. Please note that some merchants that provide computer programming, data processing and integrated system design services, computer maintenance, repair and services, photographic, photocopy, microfilm equipment, direct and online computer and software stores, electronic repair store and appliance repair shops may or may not qualify unless the merchant has set up such purchases to be classified in the electronics category.
What types of merchants are in the "medical" category?Medical merchants may include and are not limited to those in the following categories: Doctors and Physicians, nursing and personal care facilities, hospitals, dentistry and medical laboratories. Please note merchants that sell, service or supply medical supplies, drugstores, pharmacies, testing laboratories not classified for medical purposes, health insurance sales, underwriting and premiums may not be included in the medical category unless the merchant has set up such purchases to be classified in the medical category.
What types of merchants are in the "household goods" category?Household good merchants may include and are not limited to those in the following categories: home furniture and decor. Please note that merchants that sell office and commercial furniture, second hand, used merchandise stores, and antique shops may or may not be included in the household goods category unless the merchant has set up such purchases to be classified in the household goods category.
What types of merchants are in the "telecommunications" category?Telecommunication merchants may include and are not limited to those in the following categories: telephones, cable, satellites, telecommunication equipment, telegraph services, internet access, and radio services. Please note that television/movie and radio streaming services may or may not be included in the telecommunications category unless the merchant has set up such purchases to be classified in the telecommunications category.