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 12/01/2024 . Rate may change after the account is opened. Qualified APY for the First Tech Rewards Checking (FTRC) is <a class="rate-linkable" href="/rates" aria-label="">Earn up to 3.50% Annual Percentage Yield (APY)</a>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 <a class="rate-linkable" href="/rates" aria-label="">Earn up to 3.50% Annual Percentage Yield (APY)</a>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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First Tech Rewards Checking & Savings Open First Tech Rewards Checking

Set it, forget it, cash in up to a $300 bonusQualified 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, transfers from another First Tech account, transfers from another financial institution, person to person transfers, and one-time bonus or tax reimbursements do not qualify. 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 will be considered dividends and may be reported on IRS form 1099-INT.

Direct deposit is your easy path to bonus cash.

EnrollNew 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. in our award-winning First Tech Rewards Checking® and set up a direct deposit for three consecutive months, and you'll be on your way to a bonus payday in three easy steps.

Step 1

Join with a First Tech Rewards Checking® account.
Already have one?
You’re all set!

Step 2

Set up a new payroll direct deposit to your Rewards Checking account, for at least three months.

Step 3

Earn either:
$50 with $1,000-$5,000
or
$300 with $5,000+

Join Now

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 ACHs 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 get

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 12/01/2024 . Rate may change after the account is opened. Qualified APY for the First Tech Rewards Checking (FTRC) is <a class="rate-linkable" href="/rates" aria-label="">Earn up to 3.50% Annual Percentage Yield (APY)</a>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 <a class="rate-linkable" href="/rates" aria-label="">Earn up to 3.50% Annual Percentage Yield (APY)</a>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+

Savings: Rate of Earn up to 3.50% Annual Percentage Yield (APY)3.50% APYRates effective as of 12/01/2024 . Rate may change after the account is opened. Qualified APY for the First Tech Rewards Checking (FTRC) is <a class="rate-linkable" href="/rates" aria-label="">Earn up to 3.50% Annual Percentage Yield (APY)</a>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 <a class="rate-linkable" href="/rates" aria-label="">Earn up to 3.50% Annual Percentage Yield (APY)</a>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% APYRates effective as of 12/01/2024 . Rate may change after the account is opened. Qualified APY for the First Tech Rewards Checking (FTRC) is <a class="rate-linkable" href="/rates" aria-label="">Earn up to 3.50% Annual Percentage Yield (APY)</a>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 <a class="rate-linkable" href="/rates" aria-label="">Earn up to 3.50% Annual Percentage Yield (APY)</a>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. 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!

First Tech Choice Credit Card, white on blue-green background

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

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 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.