First Tech Rewards Checking & Savings

High-yield accounts that give you more cash back

Earn up to 3.50% Annual Percentage Yield (APY)3.50% Rates effective as of 11/15/2024 . Rate may change after the account is opened. Qualified APY for the First Tech Rewards Checking (FTRC) is 3.50% on the first $15,000 and 0.05% on remaining balance; Non-Qualified APY is 0.00% on all balances. $25 minimum opening deposit. Qualified APY for the First Tech Rewards Savings (FTRS) is 3.50% on the first $25,000 and 0.05% on remaining balance; Non-Qualified APY is 0.01% on all balances. $25 minimum opening deposit. Membership Savings has a 0.01% APY. Terms and conditions apply. Fees could reduce the earnings on the account. Membership is required and subject to approval.
Get cash back on credit card spending, and moreMaximum rebate total is $660 per year. As of 4.30.2022, calculated average rebate total for First Tech Rewards Checking is $305 per year; calculated average rebate total for Dividend Rewards Checking is $74 per year. Rebate determination is based on accounts meeting monthly qualifications for twelve consecutive months and earning rebates each month in all available categories for the specific product. Actual rebates may differ and are based on utilization of accounts.

Open First Tech Rewards Checking Open First Tech Rewards Savings

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Reap the benefits.

Qualify withQualification Requirements Per Monthly Cycle: To qualify, you must meet all the following qualification requirements:
a. Have a combined total of at least twenty (20) qualifying transactions with an aggregate spend of at least $500 per month posted to the applicable accounts. Qualifying transactions include:
i. Posted debit card purchases to the First Tech Rewards Checking account.
ii. Posted credit card purchases on a First Tech credit card account. Credit card purchases must be made on a First Tech credit card account with the same primary account owner as the First Tech Rewards Checking account.
b. Have ACH deposits and/or withdrawals totaling at least $1,000 per cycle (either multiple aggregate ACH's equal to $1,000 or one $1,000 ACH) to the First Tech Rewards Checking account.
c. Enrollment in electronic statements and notices for the primary account owner.
All qualification requirements must be completed and posted to your account prior to the last day of the month. For example, the last day of January is January 31. At least twenty (20) debit and/or credit card purchases must post to your account by January 30 for purposes of this example. Keep in mind that debit and/or credit card purchases can take several days to post and depend on merchant processing times.

You can getQualification Requirements Per Monthly Cycle: To qualify, you must meet all the following qualification requirements:
a. Have a combined total of at least twenty (20) qualifying transactions with an aggregate spend of at least $500 per month posted to the applicable accounts. Qualifying transactions include:
i. Posted debit card purchases to the First Tech Rewards Checking account.
ii. Posted credit card purchases on a First Tech credit card account. Credit card purchases must be made on a First Tech credit card account with the same primary account owner as the First Tech Rewards Checking account.
b. Have ACH deposits and/or withdrawals totaling at least $1,000 per cycle (either multiple aggregate ACH's equal to $1,000 or one $1,000 ACH) to the First Tech Rewards Checking account.
c. Enrollment in electronic statements and notices for the primary account owner.
All qualification requirements must be completed and posted to your account prior to the last day of the month. For example, the last day of January is January 31. At least twenty (20) debit and/or credit card purchases must post to your account by January 30 for purposes of this example. Keep in mind that debit and/or credit card purchases can take several days to post and depend on merchant processing times.

20 Transactions

Any debit & credit card transactions with minimum monthly spend of $500

and

Monthly direct deposit/ ACH of $1,000+

and

eStatement enrollment

Checking: Rate of Earn up to 3.50% Annual Percentage Yield (APY)3.50% APYRates effective as of 11/15/2024 . Rate may change after the account is opened. Qualified APY for the First Tech Rewards Checking (FTRC) is 3.50% on the first $15,000 and 0.05% on remaining balance; Non-Qualified APY is 0.00% on all balances. $25 minimum opening deposit. Qualified APY for the First Tech Rewards Savings (FTRS) is 3.50% on the first $25,000 and 0.05% on remaining balance; Non-Qualified APY is 0.01% on all balances. $25 minimum opening deposit. Membership Savings has a 0.01% APY. Terms and conditions apply. Fees could reduce the earnings on the account. Membership is required and subject to approval. up to $15,000; Earn up to 0.05% Annual Percentage Yield (APY)0.05% $15,000.01+

Savings: Rate of Earn up to 3.50% Annual Percentage Yield (APY)3.50% APYRates effective as of 11/15/2024 . Rate may change after the account is opened. Qualified APY for the First Tech Rewards Checking (FTRC) is 3.50% on the first $15,000 and 0.05% on remaining balance; Non-Qualified APY is 0.00% on all balances. $25 minimum opening deposit. Qualified APY for the First Tech Rewards Savings (FTRS) is 3.50% on the first $25,000 and 0.05% on remaining balance; Non-Qualified APY is 0.01% on all balances. $25 minimum opening deposit. Membership Savings has a 0.01% APY. Terms and conditions apply. Fees could reduce the earnings on the account. Membership is required and subject to approval. up to $25,000; Earn up to 0.05% Annual Percentage Yield (APY)0.05% $25,000.01+

ATM: Rebates up to $15 per month

Credit Card: Additional 0.50% cash back up to $15 per month on spending and $10 streaming subscription rebate

Loans & HELOCs: 0.25% cash back on minimum loan payment from other First Tech accounts up to $15 per month

Stack up your rewards

Open a First Tech Choice Rewards World Mastercard®Membership is required and subject to approval. Card approval is subject to First Tech lending policies.and use it to help reach 20 transactions each month toward qualifications required to earn Earn up to 3.50% Annual Percentage Yield (APY)3.50% APY on your First Tech Rewards Checking account. You'll get credit card points on every purchase plus we'll kick in 20,000 bonus points when you spend $3,000 in the first 60 daysTo qualify for the 20,000 Rewards Points bonus, purchases totaling $3,000 must post to account within 60 days of account opening. Rewards Points will be awarded on the second statement following qualification for the bonus., a $200 value!

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Calculate your rewards

You'll benefit from:

No minimum balance requirements
No monthly account maintenance fees
Surcharge-free access at nearly 30,000 CO-OP network ATMs nationwide

Manage your money when and where you want

Access your account online
Deposit checks and pay bills with our free Mobile App
Visit a branch at nearly 6,000 CO-OP shared branch locations

Peace of mind

Real-time fraud monitoring
Secure online access
Free overdraft transfers from savings or line of credit
Chip-and-PIN enabled debit card

Frequently Asked Questions

There are no monthly maintenance fees with a First Tech Rewards Checking account. You also have surcharge-free access at nearly 30,000 CO-OP Network ATMs nationwide. Please see our Fee Schedule for information on other fees that may be applicable to the account.

Open an account on your terms. Start online by clicking Open an Account, call us at 855.855.8805, or schedule a virtual/in-person appointment.

First Tech Rewards Checking account rates and rewards are dependent on the account balance as long as the monthly account requirements are met. There is no minimum account balance to earn dividends. See the current rate sheet for dividend rate and APY.

First Tech requires no minimum balance for a First Tech Rewards Checking account.

There are three requirements for a First Tech Rewards Checking account:

Use your debit and/or credit card for a minimum of 20 purchases per month, with a minimum spend of $500
Have ACH deposits and/or withdrawals totaling at least $1,000 per month
Enroll in e-Statements

First Tech Rewards Checking is a checking account from First Tech Federal Credit Union that allows you to earn a higher dividend and rebates with greater account utilization.

The First Tech Rewards Checking account is protected by real-time fraud monitoring, secure online access, and chip-and-PIN enabled debit card.