Checking Frequently Asked Questions

First Tech offers a variety of checking accounts. Whether you are looking for personal or business accounts, First Tech has the right product for you.

Here's a list of some of our accounts and their benefits:

First Tech Rewards Checking - Maximize your savings with our Rewards Checking account, perfectly paired with the Rewards Savings Account. Enjoy more money in your wallet as you earn greater returns on your savings.

Premier Rewards Checking - First Tech Premier Rewards Banking curated for members that meet eligible balances.

Business Dividend Checking - The checking account that pays and is fit for your small business needs.

Start Up Checking - If your child is ready for their first account, a Start Up Checking account is a perfect way to set them on a path to financial wellness.

Trust Accounts - Secure and manage your assets with our trust accounts, designed to provide peace of mind and financial security for your beneficiaries.

Discover the convenience of our checking accounts, federally insured by the NCUA:

Effortless Transactions: Use digital wallets, debit cards, or ATMs to manage your funds.
Direct Deposits: Employers and others can deposit funds directly into your account.
Online Banking: Monitor and manage your account anytime, anywhere.
Debit Card Access: Enjoy the freedom to make purchases and ATM withdrawals with your debit card.
Overdraft Protection: Cover transactions even if you exceed your balance (fees may apply).
Detailed Records: Keep track of your spending with comprehensive transaction records.

To place your first order, contact us directly.

To reorder checks with the same information, log in to Digital Banking, select 'Services,' and then 'Check Services.' Follow these steps:

1. Click Order Checks.
2. Choose your account and click Next.
3. Review the Order Checks disclaimer and click Order Checks.
4. An embedded website will open in a new tab.
5. Browse and personalize your selections.
6. The website will preview items and calculate the cost.
7. Place your order.

Your Available Balance is the money you can use for transactions, after accounting for any pending transactions or held funds. Check our overdraft fee FAQs for examples of how this works.

First Tech may place a hold on deposited funds to verify them, ensuring the protection of our members' account balances. The duration of the hold depends on the situation and type of check deposited. For holds longer than two days, First Tech will provide a notice. Here is more detailed information.

Qualify for the higher yield by meeting these simple requirements in the First Tech Rewards Checking:
- Spend a minimum aggregate of $1,000 monthly with your credit or debit card
- Receive monthly direct deposits/ACH of $1,000 or more
- Enroll in paperless statements

Enjoy these benefits:
- High yields on all First Tech Rewards Savings balances
- 1.00% cash back on credit card spending (up to $30/month)
- 0.50% cash back on minimum loan payments (up to $15/month)

Log in to your account, go to Services and click on Rewards Checking to view these details anytime.

The minimum funding for the First Tech Rewards Checking account is just $10. Plus, you'll need a $5 deposit for the Membership Savings account.