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Routing #321180379
Digital Banking

Your questions answered.

We've answered some of your questions about our most popular online and mobile tools.

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Frequently asked questions


BillPay lets you pay your bills online through First Tech Federal Credit Union. You can pay anyone in the United States that you would normally pay by check or automatic debit, even if you do not receive bills from the company or person you want to pay.

To pay your bills online, simply add your payees (the companies or people you want to pay). We use this information to make the payments for your bills. After you add your payees, you can go to the Payment Center. The Pay Bills section lists all of the payees you've added in BillPay. To pay a bill, enter a payment amount and the date when you want the company or person to receive your payment. You can also select this date from the calendar.

You can pay anyone in the United States that 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 we use to make payments. You can pay large companies and small companies, as well as individuals such as child care providers or family members.

BillPay uses several methods to ensure that your information is secure.

  • SSL—BillPay uses SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection.

  • Encryption—BillPay uses 128-bit encryption to make your information unreadable as it passes over the Internet.

  • Automatic Sign Out—BillPay automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). It is best if you sign out immediately after you finish your tasks in BillPay.

Yes, we've incorporated several enhancements based on priorities one and two of the World Wide Web Consortium's Web Content Accessibility Guidelines. These enhancements aim to make BillPay more accessible to assistive technology users.

The following features may help you navigate BillPay more easily:

  • Skip to Main Content Links—These links allow you to skip the page banner and the redundant navigation links and go directly to the main page content.

  • Link Titles—If a link opens a new window, you are alerted in the link title. Most of the links have descriptive labels, but we provide additional information in the link title if necessary. For this reason, we recommend that you set your screen reader to read the link title attributes.

  • Table Summaries—Whenever information is presented in a table format, we provide a brief description of the contents.

  • Font Sizes—the fonts can be resized without significantly changing the layout of a page.

Please log in to online banking or the app and navigate to the Statements feature. Then click on the Statements tab and look for a document called Mortgage Loan Bill. Your payment breakdown showing principal, interest and escrow is provided there in a digital copy.

Occasionally, we do ask you to verify your identity. We understand it’s an extra step, but it’s meant to protect your account. It usually takes only a minute to choose a two-factor authentication delivery method, receive and enter it, then you’re good to go. Since we rolled out a new login screen in February 2021, the first time you log in with the new screen, you’ll likely be asked to enter a verification code.

To make a principal-only payment on a mortgage or student loan refinance, please send us a secure message or call us, and we’ll help you set it up.

For other types of loans, you should see an “Other” amount field in the Transfer feature. You may enter an amount into the “Other” field. If you have a minimum payment due, the minimum payment amount will be satisfied first. Any amount exceeding the minimum due will go towards your principal. On the other hand, if no minimum payment amount is due and you make a payment through the “Other” field, depending on the loan type it may be applied towards principal and/or outstanding fees.

Currently, our App runs on the iOS, Windows Phone and Android platforms. There are nearly 1,400 devices running the Android platform, and we've successfully tested our App on the devices below. Although you're welcome to try the App on Android devices not listed below, we're only able to guarantee performance on the following devices:

  • Android Verizon Droid Bionic
  • Android Sprint LS670
  • Android Sprint
  • Galaxy SII Skyrocket
  • Galaxy SII
  • HTC Evo
  • HTC Sprint
  • Samsung LG Optimus

Yes, you can use the iOS version on an iPad. However, it isn't a native iPad App so you might encounter some "quirks." Most of these will be related to visual display and not operational functionality.

We don't have a version for BlackBerry in development. BlackBerry users can access most of the features of Online Banking through our Mobile Banking platform. Just type "" into your mobile browser to access it.

It's now easier than ever to use e-Deposit. Instead of having to take a photo with your camera, you can now let the App detect the best image of the check via the video capture functionality. Once both sides of the check are captured, click submit to finish.

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 mobile e-Deposit.

First Tech uses third party cookies to validate your session is active. Please ensure your browser is accepting third party cookies from First Tech and our e-Deposit vendor.

We use the same security infrastructure as we do for our Online Banking platform to protect your financial transactions and identity. You can read more about how we and you can protect your security in our Fraud Prevention Center.

The roaming charge isn't determined by the platform or App. It's dictated by the carrier - AT&T, Verizon, etc. roaming occurs specifically when you travel outside the country, referred to as international roaming.

You may have noticed a new Wires experience in Online Banking that we introduced in February 2021. This newly designed Wires feature replaced the old one which you had bookmarked.

If you established your secret questions during the enrollment process, you can reset your password and retrieve your username online.

If you've not yet set up secret questions, please visit your local branch or call the Member Service Center for assistance. We highly recommend that once you reset your password, you set up secret questions on the Change Password page in Online Banking.

This can occur when you're a joint owner on an account, but never established your own credit union membership. Please contact our Member Service Center to help establish your membership and enable access to these services.

To protect your privacy, we default Online Banking to log you off automatically after 15 minutes of inactivity.