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First Tech Routing #321180379

Checking options made for you.

Pick the right account
that fits your needs.

We have a range of checking account options to fit your life. Our checking accounts are more than just access to your money, whenever and however you need it. They also help you earn rewards and higher Annual Percentage Yields (APY)APY = Annual Percentage Yield to elevate your financial life. Start exploring your options now.Membership is required and subject to approval.
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Checking Accounts

First Tech Rewards Checking

Earn up to 4.00% APY

Keep more money in your wallet with the checking account that actually pays you.

First Checking Plus

Earn up to 0.05% APY

A low maintenance checking option that earns dividends.

Carefree Checking

Count on us to keep it simple, straightforward and to be there for you when you need us.

HSA Checking

Earn up to 1.00% APY

Pay for medical expenses with peace-of-mind and without monthly charges.

Choose your own adventure.

Find the checking account that's right for you.

First Tech Rewards Checking First Checking Plus Carefree Checking HSA Checking
Earns Annual Percentage Yield Up To Earn up to 4.00% APY - Learn More Earn up to 0.05% APY - Learn More - Earn up to 1.00% APY - Learn More
Monthly account fee $0 $0 $0 $0
Free chip-and-PIN enabled debit card Yes Yes Yes Yes
Free Online Banking with BillPay Yes Yes Yes Yes
Free Mobile Banking with e-Deposits Yes Yes Yes -

ATM fee rebates Yes -No -No -No
Free access to over 30,000 CO-OP ATMs Yes Yes Yes -

No monthly balance requirement Yes Yes Yes Yes
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Reap the benefits.

Direct Deposit

  • One less errand for you to check off your list. Set up your paycheck to deposit direct into your account.

Chip-and-PIN enabled debit card

  • Shop with your card feeling confident you're protected with strong security.

Mobile Banking

  • Download our free Mobile Banking App and you'll have a branch at your finger tips.


  • We'll let you know when checks clear, a transaction is complete and more. Set up your preferences and stay in the know.


  • Receive your monthly statement securely and conveniently online.

Access your accounts anytime, anywhere.

Log in online or download our Mobile App — It's your money, we'll keep you connected.

Complete transactions

  • Transfer funds between First Tech accounts
  • Deposit checks with E-deposit
  • Pay bills or your First Tech loan on the go
  • Check account balances

Find First Tech branches

  • Search for a nearby branch
  • Look up hours and directions

Locate a surcharge-free ATM

  • Locate a CO-OP Network ATM near you. There are over 30,000 surcharge free ATMs across the U.S.

Checking calculators for you.

Calculate everything from how we compare to major banks to what it takes to save for a college.