First Tech Rewards Checking & Savings

APY=Annual Percentage Yield. Rates effective as of 02.01.2025. Rate may change after the account is opened. Qualified APY is Earn up to 3.00% Annual Percentage Yield (APY)3.00% . Non-Qualified APY is 0.01%. $25 minimum opening deposit. Terms and conditions apply. Fees could reduce the earnings on the account. Membership is required and subject to approval.

Qualification Requirements Per Monthly Cycle: To qualify, you must meet all of the following qualification requirements: 1. Have an aggregate spend of at least $1000 per month posted to the applicable accounts. Qualifying transactions include: 1. Posted debit card purchases to the First Tech Rewards Checking account. 2. 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. 2. Have ACH deposits totaling at least $1,000 per cycle (either multiple aggregate ACH deposits equal to $1,000 or one $1,000 ACH deposit) to the First Tech Rewards Checking account. 3. Enrollment in electronic statements and electronic disclosures and notices for the primary account owner. The first monthly cycle will automatically meet all qualification requirements. For every monthly cycle thereafter, all qualification requirements must be completed and posted to your account prior to the last day of the calendar month. For example, the last day of March is March 31. Qualifying debit and/or credit card purchases must post to your account(s) by March 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.

Rebates: All loans, home equity lines of credit (HELOCs), credit cards, and First Tech Rewards Savings accounts must have the same primary account owner as the qualifying First Tech Rewards Checking. Only the first qualifying FTRC can receive cash back if more than one FTRC has the same primary account owner. 0.50% cash back on minimum scheduled payment amount made from a First Tech account to First Tech consumer loans, mortgage loans and home equity lines of credit up to $15 per month. 1.00% cash back on all posted First Tech credit card purchases, up to $30 per month. Reimbursement of any out-of-network U.S. ATM fees, up to $10 per month for each FTRC owned by the primary account owner. Rebates will be received when qualifications are met and posted within three (3) business days after the end of the calendar month.

Offer valid for enrollment between April 1, 2025 and July 31, 2025 for existing First Tech Rewards Checking (“FTRC”) Accounts. Members who have received a promotional payout for a First Tech debit spend campaign within the past 18 months are not eligible (“Participant”). Must be 18 years of age or older to participate. Participating accounts must be personally owned accounts. Fiduciary, trust, business, or organization accounts are not eligible. Participant may enroll in the promotion by activating and making an initial transaction on a debit card connected to an FTRC account on which no previous Point of Sale transactions have occurred. (“Enrollment”). To receive any bonus payout, in addition to satisfying the payout conditions set forth in this disclosure, the Membership Savings account must be in good standing (not in default, closed, inactive, or otherwise not in good standing) during the period commencing with Enrollment and ending with the applicable date of payout. Fees could reduce earnings on the account. First Tech reserves the right to modify or terminate this campaign at any time. Any inquiries or disputes will be resolved at the sole discretion of First Tech and must be received by October 31, 2025.

Valid for all personal First Tech Rewards Checking accounts. The spending bonus reward is 5% of qualified purchases up to a total reward payout of $200 (maximum spend of $4,000). Qualifying transactions include posted debit card purchases to the FTRC account. The purchases must be made using a First Tech debit card linked to the FTRC account on which the Participant is the primary owner. For purchases to qualify, transactions must post to the account(s) no later than 30 days after Enrollment (“Qualification Period”) to receive a one-time spending bonus. Maximum one Qualification Period per Participant. Any qualifying spending bonus earned will be deposited to the Participant’s Membership Savings account the first week following the end of the calendar month in which the Qualification Period ends. Bonuses will be considered dividends and may be reported on the appropriate IRS form 1099.

Qualified direct deposits of $1,000 to $5,000 per month must be received for a one-time $50 bonus; qualified direct deposits greater than $5,000 per month must be received for a one-time $300 bonus. The monthly aggregate amount of all qualifying direct deposits must meet or exceed the tier minimum for the corresponding tier bonus. New direct deposit must occur at least once per calendar month from the Participant’s employer payroll or approved government benefits provider (e.g., Social Security) into the FTRC account of which the Participant is the primary account owner. Direct deposits from any other source do not qualify. Direct deposits are considered new if there has been no direct deposit activity in the Participant's share accounts on which they are the primary owner within the previous 18 months. Non-direct deposits including, but not limited to, check deposits, wire transfers, transfers from another First Tech account, non-payroll ACH transfers, such as small business payments or owner distributions, transfers from another financial institution, person to person transfers, merchant transactions, and one-time bonus or tax reimbursements do not qualify. First Tech reserves the right to evaluate each account holder's Direct Deposit activity and Qualifying Deposits during each Enrollment Period at our sole discretion. To determine eligibility for bonuses, we may request additional documentation for verification. Any transactions that are not identified as direct deposits may be disqualified, and any applicable bonuses may be forfeited. Enrollment is the date of the initial direct deposit transaction. During the period of time commencing with Enrollment and ending 90 calendar days after Enrollment (“Enrollment Period”), at least one direct deposit transaction must occur each calendar month starting with the initial direct deposit transaction. A minimum of three direct deposit transactions must be received during the Enrollment Period. (EXAMPLE: If a member’s initial direct deposit is June 1, 2025, additional required direct deposits must occur at least once in each subsequent calendar month following the month in which the initial direct deposit is made, the last direct deposit must be received by August 31, 2025. Bonuses would be deposited by September 7, 2025.) Only the Participant will receive credit for the direct deposits. Any qualifying bonus will be deposited to the Participant’s Membership Savings account the first week following the Enrollment Period. Bonuses may be considered dividends and may be reported on the appropriate IRS form 1099.

New Direct Deposit Offer: Members who have received a promotional payout for a First Tech direct deposit campaign within the past 18 months are not eligible (“Participant”). Must be 18 years of age or older and the primary account owner on a First Tech Rewards Checking (“FTRC”) account to participate. Membership is required and is subject to approval. Fees could reduce earnings on the account. FTRC accounts must be personally owned accounts. Fiduciary, trust, business, or organization accounts are not eligible. Members will be enrolled in the promotion upon receipt of new direct deposit transaction into the FTRC account upon which they are the primary account owner (“Enrollment”). To receive any bonus payout, in addition to satisfying the payout conditions set forth in this disclosure, the Membership Savings account must be in good standing (not in default, closed, inactive, or otherwise not in good standing) during the period of time commencing with Enrollment and ending with the applicable date of payout. First Tech reserves the right to modify or terminate this campaign at any time. Any inquiries or disputes will be resolved at the sole discretion of First Tech and must be received no later than 180 days after enrollment.