Unlock next-level rewards
Raise your banking game with Rewards Checking and SavingsQualification Requirements Per Monthly Cycle: To qualify, you must meet all of the following qualification requirements:
a. Have an aggregate spend of at least $1,000 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 or direct deposits totaling at least $1,000 per cycle (either multiple aggregate ACH or direct deposits equal to $1,000 or one $1,000 ACH deposit) to the First Tech Rewards Checking account.
c. 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.
Start with First Tech Rewards Checking®
No monthly fees
No maintenance fees or hidden charges.
No minimum balance requirement
No balance threshold to worry about.
Nationwide no-fee ATM access
Access 30,000+ CO-OP ATMs.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.
Unlock next-level rewards and rates in three stepsQualification Requirements Per Monthly Cycle: To qualify, you must meet all of the following qualification requirements:
a. Have an aggregate spend of at least $1,000 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 or direct deposits totaling at least $1,000 per cycle (either multiple aggregate ACH or direct deposits equal to $1,000 or one $1,000 ACH deposit) to the First Tech Rewards Checking account.
c. 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.
Receive $1,000+/month in ACH or direct deposits into
Rewards Checking
Spend $1,000+/month with your First Tech debit or credit card
Enroll in paperless
statements
Amplify your earnings
Combine Rewards Checking and Savings for boosted APY on unlimited savings balances.APY=Annual Percentage Yield. Rates effective as of January 1, 2026. Rate may change after the account is opened. Qualified APY is 3.00% on Rewards Savings. 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.
Level up your rewards with First Tech credit cards and loans
Score extra cash back when you combine other First Tech banking products.
Extra 1% cash back on purchasesRebates: 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.
Cash back on loan paymentsRebates: 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.
Choose your own rewards adventure
How many rewards can you score?
Check out these examples:Example monthly rewards amounts based on the following: Level 1: $4,000 Rewards Savings account balance @ 3.00% APY; 50% usage of $10 monthly maximum ATM fee rebate. Level 2: $12,000 Rewards Savings account balance @ 3.00% APY; 1% cash back on $1,500 spend per month on First Tech credit card; 50% usage of $10 monthly maximum ATM fee rebate. Level 3: $24,000 Rewards Savings account balance @ 3.00% APY; 1% cash back on $1,200 spend per month on First Tech credit card; 0.5% cash back on $538 minimum loan payment. Rewards amounts may increase or decrease based on member activities performed and balance level maintained.
Level 1
Avg. Rewards Savings balance:
$4,000
Avg. ATM Rebates:
$5/mo.
Monthly rewards and earnings:
$15
Annual rewards and earnings:
$180
Level 2
Avg. Rewards Savings balance:
$12,000
Avg. FT credit card spending:
$1,500/mo.
Avg. ATM Rebates:
$5/mo.
Monthly rewards and earnings:
$50
Annual rewards and earnings:
$600
Level 3
$24,000
Avg. FT credit card spending:
$1,200/mo.
Min. FT loan payment:
$538
Monthly rewards and earnings:
$75
Annual rewards and earnings:
$900
