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First Tech Routing #321180379

First Tech Relocation Banking Program for Employers

When your employees relocate, personal finances should be the least of their concerns.

Man unboxing a cardboard box on a kitchen table with a child sitting on the kitchen counter in the background.
Man unboxing a cardboard box on a kitchen table with a child sitting on the kitchen counter in the background.

First Tech is a leader in providing financial services to transferees who are new to the U.S. We specialize in serving the needs of the world's most forward-thinking tech companies, including HP, Microsoft, Intel, Amazon, Cisco and many more. Our Relocation Banking ProgramSocial Security number required at application. can help your employees move their money quickly and easily. This allows them more time to focus on their new role here in the U.S.

Here’s how First Tech’s Relocation Banking Program can support you and your company:

  • All questions about banking, building credit, home loans and insurance are directed to a single point-of-contact who specializes in helping your employees to relocate
  • First Tech is one of the largest credit unions in the country, we’re not-for-profit and member owned
  • We’ve been supporting relocation to the U.S. and within the U.S. for more than 20 years
  • Our Relocation Banking Program addresses the needs of employees at every stage of life
  • Access to First Tech’s Relocation Banking Program are open to all employees with an approved employer. Click here for more eligibility information
  • Employees can set up accounts up to 60 days before they arrive in the U.S., without the need for a Social Security number
  • We provide ongoing resources and education, so those new to the U.S have the opportunity to gain more knowledge and confidence banking in the U.S.
  • We provide coordinated account set up and support for individuals or groups as needed in-person or virtually

How to get your employees access to these products and services

Step 1 Complete this simple form and someone on our Enterprise Account Management team will be in touch within two business days to discuss solutions for your company.
Step 2 Once you have agreed to move forward, we’ll submit your company’s partnership application internally.
Step 3 We will provide you with all the program documentation needed to distribute to employees and set your company up with our relocation specialists.

Program benefits for Foreign Nationals

  • Checking and savings accounts opened up to 60 days prior to arriving in the U.S., allowing for the ability to wire funds and receive payroll deposits
  • Social Security number is not required to establish savings and checking accounts
  • Low down payment options and assumed FICO score for international relocation Mortgage borrower, with some restrictions. Social security number is needed for funding.
  • Preferred loanSocial Security number required at application. and credit cardSocial Security number required at application. rates with little to no established U.S. credit history. Social security number is needed at the time of application.
  • Favorable insuranceInsurance products and services offered through First Tech Insurance Services, a wholly owned subsidiary of First Tech Federal Credit Union. rates for members with little to no established insurance history

Rajeev's story

Hear Rajeev's relocation story.

Learn how First Tech's Relocation Program supported Rajeev, by providing him with the solid financial backing to move his family, focus on his new position and establish his accounts 60 days before he arrived in his new home. Rajeev's journey brought him from that tech job years ago to Founder and CEO of MAQ Software in Redmond today. He still endorses First Tech's Relocation Program today for his employees, helping international transferees and others navigate with ease the complexities of financial transitions when moving to the United States.

Program products and services

Your relocating employees may be eligible for the following First Tech Federal Credit Union products and services.

 Product or Service Description
 Savings  No monthly account fees, free digital banking and deposits are insured to $250,000 by the NCUA.
 Checking  No monthly account fees, free chip-and-PIN enabled debit cards, free digital banking with Mobile Deposit and Bill Pay.
 Credit Card  No foreign transaction fee, no balance transfer fee, and no cash advance fee. Earn points or cash on all transactions. New cardholder offers available.
 Auto Loan  New and used auto loans at great rates and there is no cost to apply.
 InsuranceInsurance products and services offered through First Tech Insurance Services, a wholly owned subsidiary of First Tech Federal Credit Union.  Home, property, automobile, life insurance and more. Our agents will shop rates for you and provide great options. 
 Renter's Insurance Property coverage protects your belongings while liability coverage protects your assets and future income if you accidentally injure someone or damage their property 
 Personal Loan  Quick and easy online application. Borrow as little as $500.
 Home LoanHome loan discounts cannot be combined with other promotions and only apply to relocating employees moving through company- sponsored relocation programs. You may start the application process before you have your Social Security number; however, it is required prior to loan closing. APR = Annual Percentage Rate. Property and/or flood hazard insurance may be required. Maximum loan limits may apply.  Personalized service throughout the process, unique loan options, and special incentives for relocating employees new to the U.S. 
 Online and Mobile Banking Anytime, anywhere access for easy money management. Free Mobile deposit and Bill Pay. Send money with Zelle® and wire money domestically or internationally.

Become an approved Relocation Banking Program partner

Anton's story

Hear Anton's relocation story.

Eight years ago, Anton gathered his family and moved to the United States to grow his career with one of the world’s most respected tech companies. Learn about the support he received from First Tech’s Relocation Program and why he has become a First Tech member for life.

Frequently asked questions.

This program helps employees moving with an approved employer set up U.S. bank accounts and establish and build U.S. credit. We do this to reduce the financial stress that employees might feel being new to the U.S. and its banking climate.

No, First Tech has members in all 50 states and more than 20 countries. Online Banking and the First Tech App provide all the money management tools and access your employees need to do their banking. 

  • Checking account (opened prior to U.S. arrival, no SSN required)
  • Credit building products such as secured and unsecured Mastercard® credit card
  • Mortgage and Insurance services to help your employees settle into the U.S.

Yes, the day the account is opened they will receive all the information needed to provide to their employer.                                                                                                     

Yes, and for those being relocated by their employer, they do not need any U.S. credit history.

Yes, a soon as they receive their U.S. Social Security number (SSN), a First Tech employee can help them establish credit by applying for a Mastercard, an auto loan, a mortgage, or other loan product.

If spouses and dependents can receive a Social Security number, then they are eligible and First Tech can open individual accounts for them.

Non-U.S. citizens need to provide the following along with your application:

  • Copy of your Passport
  • An employee offer letter detailing your new assignment in the U.S. (typically on company letterhead)
  • A copy of your employee work visa

A First Tech employee can set up a checking or savings account up to 60 days before their arrival in the U.S. Once they arrive in the U.S., a First Tech employee must verify their employment within 30 days.

They may take the first step and apply for a mortgage without a Social Security number, up to 60 days before they move to the U.S.

All Zelle® trademarks used herein, are the exclusive property of Early Warning Services, LLC and are used with permission.