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Bank and credit unions can have multiple routing numbers that ensure cash arrives at its intended destination. These 9-digit numbers have been a mainstay in the banking industry since 1910. They were created to speed up transactions and make the banking system more efficient.
Routing numbers can vary based on where you live. Read on to find out your First Tech routing number.
Your First Tech Routing Number
First Tech Federal Credit Union’s routing number is 321180379. You can use this routing number for ACH and wire transfers, but you must also provide your bank account number to ensure funds arrive in your account.
ACH vs. Wire Transfers
ACH transfers are more seamless and don’t result in additional fees. However, these transactions take multiple business days to go through. They’re great for paying bills but aren’t the best choice for urgent needs. Wire transfers are much quicker and allow you to send or receive funds on the same business day. However, wire transfer fees can be as high as $50 at some financial institutions.
First Tech Federal Credit Union charges a $20 fee for outgoing domestic wire transfers. Each outgoing international wire transfer costs $65. The financial institution receiving the wire transfer may tack on an additional fee. If it’s not urgent, you should stick with a cost-effective ACH transfer.
Where Is a Routing Number on a Check?
If you need to find your routing number, you can look at the bottom of your checks. Your bank’s routing number is the 9-digit number that appears at the bottom left of your check. Your bank account number is in the middle, followed by the check’s number. You can find this information on any First Tech Federal Credit Union check.
Where Else Can You Find Your Routing Number?
While a check makes it easy to find your bank’s routing number, not everyone has their checkbook readily available. Here are other places you can go to find your First Tech routing number:
- Bank account statements: Your routing number should be featured in your monthly bank statement.
- Bank website: Banks list their routing numbers on their websites. Some banks have one routing number, while others have different routing numbers for each state and region.
- Through the phone: You can contact a representative at the bank to discover the routing number for your area.
Routing Numbers vs. SWIFT Codes
Routing numbers and SWIFT codes both help consumers identify banks. You’ll need one of these numbers for most transactions. However, routing numbers are strictly for domestic transactions, while SWIFT codes are for international money transfers. SWIFT codes, also known as Bank Identification Codes (BICs), are the equivalent of routing numbers for international banks.
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Here is First Tech’s SWIFT code:
First Tech SWIFT Code |
---|
FTFCUS66 |
Why Do Some Banks Only Have One Routing Number?
First Tech Federal Credit Union only has one routing number for all of its accounts. However, financial institutions like Citi® and Bank of America, Member FDIC, have multiple routing numbers. The key distinction is a bank’s size. Smaller financial institutions tend to have fewer routing numbers, and some of these smaller banks only have a single number.
First Tech Federal Credit Union fits the latter category, as it has around 40 branches with a strong focus on California’s tech scene. Meanwhile, Citi and Bank of America each have thousands of branches worldwide.
When You Will Need Your Routing Number
You will need your routing number to send or receive money through your checking or savings account. Companies will request your routing number and bank account number when setting up direct deposit. You will also need your routing number for tax refunds, automatic contributions to your brokerage account, and money transfers between two bank accounts from different financial institutions.
FAQ
Here are the answers to some of the most frequently asked questions about First Tech routing numbers and wire transfers.
- How do I find my First Tech account number?
- You can find your First Tech account number at the top of your bank statement. You can also find your account number through your bank's website or by contacting customer service.
- What is the address for First Tech wire transfers?
- For domestic wire transfers, provide the following address to the sender:
- First Technology Federal Credit Union
- 5100 NE Dawson Creek Drive, Hillsboro, OR 97124
- For domestic wire transfers, provide the following address to the sender:
Information is accurate as of Sept. 19, 2024.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.