Frequently Asked Questions

Why does the system time out my session?
If you are timed out at the initial log in, please make sure your browser and parental controls permit cookies. Also make sure Content Advisor is not enabled on your computer. You can also try a different browser and check to make sure your operating system and browser have all the current updates.

Why do I see more than one VISA credit card in Online Banking when I only have one card?
You have only one active loan and VISA card with us. You may be seeing duplicate accounts for one of two reasons: 1. You had a card with First Tech that was previously blocked. 2. A joint owner was issued a card on your VISA account. We are working to prevent these accounts from showing in duplicate. In the meantime, please know all transactions (payments, advances, etc.) performed on either account listed in Online Banking will post correctly. Purchases will also post correctly.

Why is my VISA account balance showing incorrectly in Online Banking?
Our credit card system does not show online information in real time. Balances and transactions are posted at different times to our host system (which is where Online Banking pulls information from.) Thus, your transaction history will appear correctly in Online Banking before your account balance will. Unfortunately, if the account balance is not updated, the running balance will be incorrect. Your account balance should update at the end of every day, which will also make your running balance correct. If you would like to double check the balance on your VISA, give us a call at 800.637.0852 and one of our staff members will be happy to assist you.

I use Quicken/Money. What should I do to ensure it works with the new system?
As long as you are using Quicken version 2004 or newer or Money version 2004 or newer, you’ll be compatible with the new system. In order to start working with the new system, you will need to disable your old First Tech connection and establish a new one. Detailed instructions on how to re-connect are available by clicking on the links below.

  Quicken (PC)
  Quicken (Mac)
  MS Money

If you still have troubles, give us a call at 800.637.0852 or email hbsupport@firsttechcu.com. Please describe the exact problem you are experiencing and/or error message that you are receiving.

I use Quicken/MS Money. Why does a transaction called “Interest Deduction” show up in my register when I make a payment to my VISA or I when I receive a credit from a merchant?
The “Interest Deduction” transaction is displaying in error and did NOT occur on your account. You can verify this in your Online Banking history as well. You can also simply delete this transaction in your register on Quicken or MS Money, depending on which software you use. We identified this error the week of July 3 and are working to correct it.

Joint Owners now have their own login credentials.
With total account view, primary and joint owners will be able to view every account on which they are an owner, as well as Bill Pay information. That means that if you are a joint owner, you will be able to review your accounts, your kids’ accounts, and any other account on which you are an owner, all in one page.

Please keep in mind there are some features within Online Banking that can only be accessed by the primary owner. These include MyOnlineCenter information and statements. Joint owners can access Bill Pay information once the primary owner has enrolled.

If you have any questions or would like to change the ownership on any of your accounts, call us at 800.637.0852.

A transfer or payment to your First Tech loan and/or Visa card will not be reflected in your balance until the following business day. 
On the new system, all loan and credit card payments are processed only once overnight and will post to your account the following business day. However, if you make your payment on the due date itself, you will NOT receive a late fee or late notice even though the payment will not actually reflect in your account balance until the following day.

If you make your payment using the "transfer" function within Online Banking, make sure you only hit the "transfer" button one time. Even though the payment does not show immediately on your balance, you can check the account from which you made the transfer to verify that the payment has been deducted from your account.

We understand that real time credit card functionality is a feature members have come to rely on and we are working with our system provider to restore that functionality in the future.

*Important note: payments scheduled after 10:00PM Pacific Standard Time will not process the following business day but a full business day later. Should you need a Bill Payment to process the next business day, please schedule the payment before 10PM PST. First Tech processes Bill Payments once each business day.

You can now decide how to schedule bill payments online.
When scheduling bill payments on the new system, you can now indicate the date you want the funds actually withdrawn from your account. Please note the “Delivery Method” column when scheduling bills for a particular payee. If it indicates “check”, allow 8 business days for your check to be delivered to the payee. If it indicates “electronic,” allow 3 business days for your payment to be delivered.

Some members have questioned how to change that delivery method. You cannot change the delivery method for your payees. First Tech does not establish the method of payment. Rather, that’s done by the merchant, so please schedule accordingly.

You can now schedule a recurring payment online.
To schedule a recurring payment, login in to Online Banking and click on “Bill Pay” and then “Bill Pay Central” in the left column. Then choose the “Payments” tab and click on “Recurring Payment” located near the top of the “Payments” tab.