First Tech Rewards Checking & Savings
We’ve made it easier for you to earn rewards, including Earn up to 3.00% Annual Percentage Yield (APY)3.00% APYAPY=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. on Rewards Savings.
Now it’s easier to earn rewards.
We’ve simplified the ways you can earn bonus cash and other benefits with First Tech Rewards Checking® and Savings:
| Qualify withQualification 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. | You can getRebates: 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. |
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Minimum monthly card spend of $1,000 and Monthly direct deposit/ACH of $1,000+ and Enrollment in paperless statements |
High yields on all First Tech Rewards Savings balances and 1.00% cash back on credit card spending and 0.50% cash back on minimum loan payments |
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 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
