Estate planning and settlement at First Tech

How your First Tech accounts transfer at death depends on how each one is set up. As a membership-based credit union, First Tech one credit union, two divisions, 54 branches across eight states. The First Tech division has 31 branches in California (6), Colorado (3), Idaho (1), Oregon (11), Texas (1) and Washington (9); two of those are employer-campus sites with restricted access (Intel Ronler Acres 4 in Oregon, Studios West Microsoft in Washington) and are not walk-in public branches. The DCU division adds 23 branches -- 19 in Massachusetts and 4 in New Hampshire (Hudson, Manchester, Merrimack, Nashua). First Tech also lists six Addison Avenue Investment Services / professional-services offices, which are appointment-only Raymond James advisory locations offering no deposit products and are NOT branches; they are the only First Tech presence in Georgia (Alpharetta) and the only First Tech presence in Massachusetts (Andover), which is why Georgia is absent from the footprint above and Massachusetts appears only through DCU. During integration the two branch networks remain separate: the merger FAQ answers "As a First Tech member, can I use DCU branches?" with "No, not at this point," with full integration anticipated in 2027. MEMBERSHIP ELIGIBILITY IS A SEPARATE FACT -- the field of membership runs through 1,700+ partner companies, participating communities and organizations, State of Oregon employment, and family of existing members, so eligibility is nationwide while branches are not. Online and phone banking are available nationwide, plus the CO-OP Shared Branch Network, which is other credit unions' branches. With 25 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.

First Tech lets account holders update beneficiary designations in branch and by mail. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.