Fraud Alert: Do not share your password or verification number by voice or text with anyone claiming to be First Tech employees. We will never call you and ask you for this information.

Online Banking

Bill Pay

What's the BillPay delivery timeline and fund type?

The BillPay delivery timeline depends on dates you select 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.

Fund Type: Our BillPay processor decides which fund type to send based on several different factors. This also varies with the payee and payment amount. The earliest pay date available automatically shows up. If you choose an earlier date than the given date our BillPay processor automatically expedites the payment (for a fee).

There are two different fund types:

- Electronic: Sent 2 business days before due date.
- Corporate Check: Sent 6 business days before due date.

If you have further questions, contact us at 855.855.8805 or find a location near you.

 

Can members have two of the same payees?

Yes, members can have two of the same payees. We recommend you give them different nicknames for your own reference.

 

Do I need to reenroll in BillPay?

If you’re already enrolled in the current BillPay, there is no need to register again for the new BillPay. Simple log into Online Banking or the Mobile App and start enjoying digital banking made easy. 

 

How can I view my payee's account number in its entirety or validate if it's correct?

Under the Bill Pay Dashboard, click on the “Manage” tab for the payee you wish to view. There you can show or hide your payee’s account number.

 

How come my memos for scheduled payment are no longer there?

Memos were not transferable.  The good news is that we have made a copy of your memos,so please call us at 855.855.8805 or send us a secure message to retrieve them. 

 

How come scheduled payments are not showing up on my dashboard for the next 15, 30, 60 days?

Scheduled payments will show up on your dashboard once we finish on-boarding all of ourmembers to the new BillPay experience.  Hang Tight!

 

How come the address says 'On File' for some payees? How do I know this is correct

These are managed payees, and the contact information is maintained by us. We use a combination of the payee name, your account number and the payee's billing zip code to make sure we are generating the proper contact information.

 

How secure is my bill payment and personal information?

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).

 

What happens if there's insufficient funds in my account to cover a BillPay payment?

We recommend linking an overdraft protection source to your checking account for the best experience. If your account fails to have sufficient funds to cover your BillPay request, the payment may be returned as unpaid. However, if we approve the withdrawal, your account will be drawn negative (payee does receive the funds in this scenario). Once your account overdraws, it's your responsibility to bring the account to a positive balance.

Your account will be assessed a $28 fee for each item that is returned (by the payee) or paid (and account drawn negative) when there are Non Sufficient Funds (NSF). Additionally, our BillPay vendor may change your profile status or assess additional fees.

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

 

Is there a way to determine if a payment was scheduled in Online Banking or via the Mobile Banking App?

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

 

What does deactivating a payee do? Will I lose history?

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.

 

What happened to my favorite widgets?

We apologize for the inconvenience, but in the new BillPay environment, we did a reboot to assure everything is working smoothly and securely. Even though the order of your favorited widgets is back to factory default, the good news is: no BillPay functionality is impacted by this reset. You can follow this guide to add your favorite widgets back into your preferred order.

What happened to my payee images?

Although your payees and their information were transferred over to the new BillPayenvironment, you will have to re-add your payee images.

 

What if I am unfamiliar with what BillPay has to offer?

We have compiled the following guides to help you understand what BillPay has to offer. You can also give us a call or send us a secure message if you need additional information.

What is a managed or manual payee? How can I tell?

A managed payee's contact information is maintained by us, where as 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.

 

Where can I find eBill information?

All eBill information can be found under the "Payees" tab.  If your payee is eBill-eligible, they will have an eBill icon next to their name. Please watch this video on how to set up and navigate eBills.

 

Who can I pay using BillPay?

You can pay almost any person or business in the United States who you would normally pay by check or automatic debit. Even if you don't receive bills from the company or person you want to pay, you can still add the information needed to make payments. Do you have a bill that can’t be paid electronically? No worries, we will send a check and take care of the postage, saving you a stamp and a trip to the post office.
 

Why are we changing BillPay?

We are making BillPay faster, more reliable and easier to use.

 

Why was the eBills tab removed?

We have consolidated all payees in the Payee tab.  You are now able to manage all of your payees on a single page.

 

How do I enroll in BillPay?

To enroll in BillPay, you must first sign up for Online Banking and sign in. When signing up for Online Banking, you'll need a username and password. You choose your username during the enrollment
process, and we will provide your password when you open your account. Watch this quick video about logging in for the first time.

Next, check out our video about how to sign up and navigate within BillPay and learn how to add a new payee

Who can I pay using BillPay?

You can pay almost any person or business in the United States who you would normally pay by check or automatic debit. Even if you don't receive bills from the company or person you want to pay, you can still add the information needed to make payments. Do you have a bill that can’t be paid electronically? No worries, we will send a check and take care of the postage, saving you a stamp and a trip to the post office.
 

Digital Wallets

Is Apple Pay free?

Yes, however message and data rates may apply.

 

How do I enroll in digital wallets?

Please visit https://www.firsttechfed.com/Bank/Online-Services/Digital-Wallets for a guide.

 

e-Deposit

How does eDeposit work with our app?

It's now easier than ever to use eDeposit. Instead of a scanner, you use your smartphone's camera to take a photo of the front and back of the check you’d like to deposit. Just align the check between the guidelines on your smartphone and take a photo.

Note: If you're not already enrolled in e-Deposit, you'll get a message asking you to contact Member Services. You can enroll from a desktop computer or laptop and then use e-Deposit.

 

Should I discard my check after my e-Deposit has gone through?

Not right away. We recommend you keep your check in a safe place for 60 days.

What are some tips to ensure a successful e-Deposit experience?

Endorse your check; place your check on a dark-colored, well-lit surface; smooth out any bends, curves, or wrinkles; follow the e-Deposit instructions to take a quality photo.
 

I deposited a check in a First Tech account, why is it on hold?

First Tech may put a hold on your deposited check to help ensure deposited funds clear before they are made available. This helps protect our members, as well as the credit union, against incorrect account balances. If a member spends funds from a check they deposited, and it’s later returned unpaid, they would have to cover the negative balance. The length that funds may be held depends on the situation or type of check that’s deposited. For any hold longer than two days, First Tech will provide notice.

Online Banking

Can I change the default account display in Online Banking?

Yes you can change the order your Accounts are displayed. To start, login to Online Banking, 
select the Settings link in the upper right of the screen, select the Accounts tab and then the Reorder Accounts button.
You can also refer to this account name when you interact with us.

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

 

Can I view my documents on my phone?

No, e-Docs are currently only available within Online Banking, not the mobile app.

 

How can I rename or change my account names in Online Banking?

You can change your account names within Online Banking.

Select the Settings link in the upper right screen. In Settings, select the Account tab and then the Edit button next to the account you want to rename. Once complete, you immediately see the account's nickname on your profile, as well as on future statements. You can also refer to this account name when you interact with us.

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

 

How can I change my address/phone number/email address through Online Banking?

You can easily change your contact information in Online Banking.

Select My Settings at the top of the screen. 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.

If you need assistance, contact us at 855.855.8805 or visit a location near you."

 

establish-cross-account-transfer

If you regularly transfer to another member's First Tech account, we're happy to set up a cross-account transfer relationship. The cross-account relationship permits fund transfers to another member's account, without giving you access or account details, such as balances or transaction history.

How to establish a cross-account transfer relationship:
Login to your Online Banking account and send your request through our Secured Messaging service. We recommend Transfer and/or withdrawal as the Message Category. Be sure to provide the other member's name and full account number as it appears on their online banking, statement or checks. You're also welcome to call us at 855.855.8805 or visit a location.<br>Note: We&#39;ll ask that account owners sign our Cross Account Transfer Authorization form.

How to perform a cross-account transfer:
Login to Online Banking and select the Transfer button on the left menu. Select the From account, enter the amount and the To account then click the Make Transfer button.

If you're unable to complete a transfer or if the other member's account isn't listed, please contact us at 855.855.8805 or visit a location near you.

 

How do I re-organize my Online Banking widgets?

You can only have five widgets within your dashboard in Online Banking. In the event that you already have five widgets on the left-hand side, you can follow this step-by-step guide to re-order your Online Banking view to have the e-Docs widget show up as one of your five favorites.

 

 

How do I use Online Banking?

With Online Banking, you have a First Tech branch at the click of a button 24 hours a day/7 days a week. It's convenient, fast, and most important... Free.

Check out our demos, and if you like what you see, we invite you to enroll.

The enrollment process is brief, and we provided you a temporary password when you first opened an account with us. Once you have successfully enrolled, you must change your temporary password. If you don't know your temporary password, please call us at 855.855.8805 for assistance.

If you have questions about Online Banking, you may contact us with the number above or visit a location near you.

 

How do I complete a balance transfer?

Log in to Online Banking or the First Tech app and click on the Manage Cards widget. Select the First Tech credit card you wish to transfer a balance to, then click Balance Transfer. 

 

How do I enroll in online banking?

Enroll at https://banking.firsttechfed.com/Registration or download the First Tech app.

 

What are the features of Online Banking?

You can monitor your accounts, get alerts, pay and manage bills, and update your contact information. You can also transfer money to yourself, your friends, or across the globe… and do so much more. Online Banking makes it easy to keep in touch with your credit union and on track to reach your goals.


What devices will work with the First Tech app

Our mobile app can run on the following operating systems: 

For Android – 5.0 and above
For Windows – 8.1 and 10
For iOS – 9.0 and above

What exactly will happen once I lock my card?

Locking your card will stop all new transactions except for recurring, pre-authorized payments and refunds. You won’t be able to make certain changes to the card when it’s locked, such as changes to your PIN, but you can unlock your card at any time in Online and Mobile Banking.

What exactly will happen once I unlock my card

You can continue to use your First Tech debit card as usual once it’s unlocked.

 

Which First Tech cards are eligible for this feature?

Currently, only First Tech debit cards can be locked or unlocked. Stay tuned, as we’ll make this feature available for other cards in the future.

 

Security

How safe is Apple Pay?

The safety and security of your account information is our highest concern. When you make a payment using Apple Pay, the merchant never sees your full card number. In addition, all the standard fraud monitoring systems will continue to apply to purchases you make with your First Tech card on Apple Pay.

 

How do I get an Online Banking PIN?

To obtain a PIN, please contact us at 855.855.8805.

 

How do I reset my online banking password?

Reset your password at https://banking.firsttechfed.com/ForgotPassword

 

How secure is my bill payment and personal information?

Online Banking uses 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). 

 

How secure is Online Banking?

We use industry-leading security protection technology that constantly evaluates and updates our system to protect your financial information. These technologies include: 

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 15 minutes.  

Take it a step further by enabling two-factor authentication at each login by following this guide.

 

How secure is the app?

We use industry-leading security protection technology that constantly evaluates and updates our system to protect your financial information. These technologies include: 

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

How will I receive my temporary password?

Your temporary password will be sent to the email you provided upon enrollment.

 

I'm locked out, how do I reset my password?

Reset your password at https://banking.firsttechfed.com/ForgotPassword

 

What if I haven’t logged in for a while and have forgotten my password?

We’ve all forgotten a password or two in our time. With our easy to use password reset tool, you are able to recover your password by simply clicking “Forgot Password?” after entering your username.

 

What if I never received my temporary password?

Contact us at 855.855.8805. Please note: if you are attempting to access your password on your mobile device and if you are speaking on the device at the same time, your phone must be connected to Wi-Fi or capable of processing voice and data concurrently to receive your password.

 

Zelle

Are there any fees to send money using Zelle?

First Tech does not charge any fees to use Zelle. Your recipient will not be charged a fee to receive money with Zelle.

 

Can I cancel a payment?

You can only cancel a payment if the recipient hasn’t yet enrolled with Zelle. If the payment is still pending, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If your recipient has already enrolled with Zelle, the money is sent directly to your recipient’s bank account and cannot be canceled.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call us at 855.855.8805 so we can help you!

 

Can I use Zelle internationally?

In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S.

 

How do I get started?

It’s easy — Zelle is already available within the First Tech mobile app! Check our app for both iOS and Android and follow a few simple steps to enroll with Zelle today.

 

How do I use Zelle?

You can send, request, or receive money with Zelle. To get started, log into your First Tech mobile banking app and select “Send Money with Zelle®”. Following the prompts, enter the information requested, accept the terms and conditions, and you’re ready to start sending and receiving with Zelle.

To send money using Zelle, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutesTransactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

To request money using Zelle, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”. 

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.
 

How long does it take to receive money with Zelle?

Money sent or requested with Zelle is typically available to an enrolled recipient within minutesTransactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.. If you send money to someone who isn’t enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient’s account, typically within minutesTransactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.
 
If your payment is pending, we recommend confirming that the person you sent money to or requested money from has enrolled with Zelle and that you entered the correct email address or U.S. mobile number associated with their preferred bank account.
 
If you’re waiting to receive money, we recommend confirming that the sender has enrolled with Zelle and entered the right email address or U.S. mobile number.
Still having trouble? Please contact First Tech at 855.855.8805 or send us a secure message via online banking.

 

I already enrolled with my email address or U.S. mobile phone number with Zelle at a different financial institution. How can I use Zelle with my First Tech account?

You will need to contact the other financial institution where you are enrolled, and they can unenroll your U.S. mobile phone number or email address. Then, you'll be able to enroll with Zelle using your First Tech account.
 

I just started using Zelle, where is my money?

When you register, it may take between 1 and 3 business days to receive your first payment. This is a security feature designed to reduce risk and protect you whenever you’re sending or receiving money. Once you’ve completed your first payment, future payments between you and activated Zelle users will typically move in minutes.

 

Is my information secure?

Keeping your money and information safe is a top priority for First Tech, and when you use Zelle within our mobile app, your information is protected with the same technology we use to keep your bank account safe. 


What is Zelle?

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutesTransactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle..With just an email address or U.S mobile phone number, you can now quickly, safely, and easily send money to people you trust, regardless of where they bank.Must have a bank account in the U.S. to use Zelle.

 

Who can I send money to with Zelle?

You can send money to friends, family and others you trustMust have a bank account in the U.S. to use Zelle.. Since money is sent directly from your bank account to another person’s bank account within minutesTransactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle., it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile phone number.

 

Will the person I send money to be notified?

Yes! They will receive a notification via email or text message.