Bill Pay News

Payee Information

Scheduling Payments

Payment Research

Bill Pay Holidays

Bill payments will not be processed on the following federal holidays:

New Years Day
Martin Luther King Day
President's Day
Memorial Day
Independence Day
Labor Day
Columbus Day
Veteran's Day
Thanksgiving Day
Christmas Day

Any payments scheduled to be withdrawn on these dates will not be processed until the following business day. Please keep this in mind when monitoring the receipt of your payments.

Scheduling Payments

Scheduling payments after 10PM PST
With our new system, 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.

Scheduling Duplicate Payments?
Duplicate payments withdrawn on the same day may be automatically refunded to your source account. Should you need to make a double payment, please vary the dollar amount of the second payment.

Important bill payment scheduling information
When scheduling payments to a payee, please keep in mind that our system only processes payments on business days. Be sure to select a withdrawal date that allows at least 3 business days for electronic payments to be received by your payee and 8 business days for your check payments. Business days are Monday though Friday not including holidays. If the withdrawal date of your payment falls on a weekend or holiday, your payment will be processed on the following business day. Please make any necessary adjustments to accommodate for the minimum number of days required. This can be done by changing the withdrawal date when scheduling the payment.

First Tech continues to seek ways to improve our online services. Due to our method of contact, please be sure to keep an updated email address on file with First Tech at all times.

Making a payment to another First Tech account?
After the upgrade, payments made to your First Tech Visa, loans, mortgages and accounts through Bill Payer will be paid through the normal bill payment process rather than being treated as an “exception.” What this means is that payments you make to your other First Tech Accounts using Bill Payer could take up to several days to process because the payment is sent “out” through the bill payment process and then “back” to First Tech.

Rather than using Bill Payer, we would like to encourage you to use the transfer feature within Online Banking to make payments or transfers to your First Tech accounts. Payments will post either same day in real time or the next business day in the case of credit cards. You will still have the flexibility of conducting these types of transfers on the day of your choice for the amount you indicate.

In the future, if you would prefer to set up these types of payments to pay on the same day of the month, for the same amount each month, we can set that up for you as an automatic payment. Simply call the credit union at 800.637.0852 and we will be happy to assist you. Or, if you have questions about this change, please let us know.

If you would still like to use the convenience of Bill Pay, please be sure to use these First Tech payees when adding new payees; be sure to enter your new account numbers:

First Tech CU Savings
PO Box 2100 Beaverton, OR 97075-2100

First Tech CU Checking
PO Box 2100 Beaverton, OR 97075-2100

First Tech CU Credit Cards
PO Box 2780 Portland, OR 97208-2780

First Tech CU Loans
PO Box 4317 Portland, OR 97208-4317

First Tech CU Mortgages
PO Box 4201 Beaverton, OR 97076-4201

Payee Information

Special Payees
First Tech recommends that the following types of payments be sent with a personal check along with the payment coupon/documentation provided by your payee:

Internal Revenue Service (IRS)
all State and local tax authorities
collection agencies
recipients of court-ordered payments such as child support, alimony and speeding tickets.

In accordance with our processors payment guarantee, they have identified payees that may initiate derogatory action against the end user if the payment is late. Derogatory action is considered a response, which may initiate the garnishment of wages etc, if the payment is late or posted improperly. Government agencies generally require the remittance forms that they provided you in order to post a payment promptly. You greatly reduce your risk by paying them directly and using the agency's remittance forms.

If you choose to send a payment to one of these payees, we will be unable to research the payment in the event of a bill payment dispute. If a check payment has not cleared, the funds can be returned to your First Tech account. If a check payment has cleared, we can send you a copy of the cancelled check.

Payee Account Numbers
First Tech bill payment system may not process payments to be sent with two account numbers listed in the Account Number field. If you have any payees with two account numbers, please remove the payee and create an individual payee for each account number. If you do not update the payee, future payments may be automatically refunded to your source account and all future payments will reject.

Payee Name Changes
Please note that payee names cannot be modified. If a Bill Payer Payee name changes, it is considered to be a new payee. Please remove the current payee and re-add them using the new name.

Payment Research

Outstanding Check Research
Bill Pay checks are valid for 90 days. If a payment has not cleared within 90 days, the check is voided and the funds are automatically credited back to your source account. The primary account holder is then notified of the refund via email; no additional research is initiated. A new payment can be scheduled within Bill Pay if necessary.

Returned Payment Handling
When a payment is returned to our bill payment processor due to an invalid account number or invalid address, the payment will be automatically refunded to your source account and all future payments will reject. In order to avoid future rejected payments, please modify the payee within Online Banking using the most current payment details. You may wish to contact your payee directly to verify your information.