First Tech Federal Credit Union Checking Accounts

Additional Info

• No minimum card transactions required
• 3.00% APY¹ on all First Tech Rewards Savings balances
• Minimum monthly card spend of $1,000
• Increased credit card spending cash back to 1.00% (up to $30/month)
• Monthly direct deposit/ACH of $1,000+
• 0.50% cashback on minimum loan payments, up to $15/month - now including mortgages
• eStatement enrollment
• ATM rebate up to $10/month
• New Direct Deposit Offer: New and existing account holders can set up qualifying direct deposits to earn a one-time bonus: $50 for $1,000–$5,000 per month or $300 for over $5,000 per month. Direct deposits must meet the required amount for the bonus tier and occur at least once a month for three months.
• No minimum balance requirements and no monthly account maintenance fees
• Surcharge-free access at nearly 30,000 CO-OP network ATMs nationwide
• Read more product details here
• First Tech Federal Credit Union is federally insured by the National Credit Union Administration (NCUA)
• ¹APY = Annual Percentage Yield. Rates effective as of 10.01.2025. Membership Savings has a 0.01% APY. First Tech Rewards Checking (FTRC) APY is 0.00%; First Tech Rewards Savings (FTRS) Qualified APY is 3.00% on all balances, FTRS Non-Qualified APY is 0.01% on all balances. $25 minimum opening deposit; Terms and conditions apply. Fees could reduce earnings on the account
• ¹New 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.
• ²Qualified 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.
• Learn more about the First Tech Rewards Checking®