Transfers Frequently Asked Questions

An ACH transaction goes through an Automatic Clearing House (ACH) and can take 3–5 business days to process. Typically, direct deposits and electronic bill payments use this channel. There generally aren't any associated fees and you can set these up as an external transfer in Online Banking.

A wire transfer is a method of transferring funds that goes through a system such as the Federal Reserve's Fedwire system and has variable timelines based on the request time and destination. We process domestic wires (wires originated and received within the U.S.) within 1–2 business days and foreign wires (wires originated or received outside the U.S.) take a minimum of 2 business days. Online wire requests before 12pm PT and branch wire requests before 2pm PT Monday–Friday are initiated on the same business day.

You can request that First Tech initiate a transfer between your external Financial Institution and your First Tech account(s) using your bank routing and account #. You can do this during the account opening and funding process, as an external transfer request in Online Banking, or by requesting through a First Tech employee. Returned ACH Originations may be subject to a fee (see Fee Schedule/Sheet for details).

When receiving a domestic wire, provide the sender the following information:

• Our name: First Technology Federal Credit Union
• Our routing number: 321180379
• Our address: 5100 NE Dawson Creek Drive, Hillsboro, OR 97124
• Your name, account number and address

For questions concerning incoming foreign wires, contact us at 855.855.8805 or find a location near you.

We post all incoming wires by 4pm PT. The delivery timeline to us depends on the sending financial institution's process.

We charge $20 for an outgoing domestic wire transfer and $65 for an outgoing foreign wire transfer. Incoming wires to a First Tech account, regardless of where they originate, incur a $5 fee.

Note: Domestic wire transfer is defined as wires originating and being received between U.S. institutions. The receiving institution may charge an incoming wire fee. A foreign wire transfer is classified as a wire between institutions in different countries. Foreign wire transfers often must pass through a correspondent bank, which may charge additional fees to process the wire transfer. You are responsible for any foreign correspondent bank fees.