What Does a Personal Checking Account Do?

A personal checking account at First Tech gives you convenient, secure access to your money—anytime, anywhere. It’s designed to support your everyday financial needs with flexibility and ease. Key Features: Effortless Transactions: Use your debit card , digital wallet , or ATM to make purchases and manage your funds. Direct Deposit: Get paid faster with automatic deposits from your employer or other sources. Online & Mobile Banking: Monitor your balance, pay bills, and transfer funds—24/7 from any device. Overdraft Protection: Optional coverage to help avoid declined transactions (fees may apply). Detailed Records: Easily track your spending with clear transaction history and statements. All First Tech checking accounts are federally insured by the NCUA up to $250,000 , giving you peace of mind while you bank with confidence. Open a checking account online

What do I need to open a checking account?

Opening an account is quick. You’ll generally need: Your Social Security number Government issued photo ID Initial deposit method, such as Account number + Routing number or link a bank account Access to your phone Because First Tech is member-owned, you’ll also become a member when you open your account Membership is required and subject to approval. .

Personal Checking Accounts: Rewards, High Yield

Start Up Checking

Help build smart money habits for life. Designed for ages 18 and under, this account offers a safe, hands-on way to manage money, with the oversight parents want.

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First Tech Rewards Checking®

Earn next-level rates and rewards with your everyday banking activities.

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HSA Checking

A tax-advantaged way to cover medical costs now while growing your health care savings for the future.

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Elevating every moment, with you top of mind.

Because you deserve the best

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A trusted partner in your journey

First Tech doesn’t just offer financial products and services we — empower our members. We align with the values of the tech industry to support our members in building wealth and achieving their goals. Experience the difference of a credit union built for innovators.

What our members are saying

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Frequently asked questions.

A personal checking account at First Tech gives you convenient, secure access to your money—anytime, anywhere. It’s designed to support your everyday financial needs with flexibility and ease.

Key Features:

Effortless Transactions: Use your debit card, digital wallet, or ATM to make purchases and manage your funds.
Direct Deposit: Get paid faster with automatic deposits from your employer or other sources.
Online & Mobile Banking: Monitor your balance, pay bills, and transfer funds—24/7 from any device.
Overdraft Protection: Optional coverage to help avoid declined transactions (fees may apply).
Detailed Records: Easily track your spending with clear transaction history and statements.

All First Tech checking accounts are federally insured by the NCUA up to $250,000, giving you peace of mind while you bank with confidence.

Open a checking account online

Yes. All First Tech checking accounts are federally insured by the NCUA up to $250,000. The NCUA Share Insurance Fund is backed by the full faith and credit of the United States. Keeping your money with First Tech also protects you from cash being lost or stolen and helps it grow over time.

Opening an account is quick. You’ll generally need:

Your Social Security number
Government issued photo ID
Initial deposit method, such as Account number + Routing number or link a bank account
Access to your phone

Because First Tech is member-owned, you’ll also become a member when you open your accountMembership is required and subject to approval. .

Every First Tech checking account comes with no monthly maintenance fees, no minimum balance requirements and nationwide no-fee ATM access. Some optional services, like overdraft protection, may have associated fees. See our fee schedule for details.

Checking calculators for you.

Calculate everything from how we compare to major banks to what it takes to grow your savings balance.

Become a member

Join a credit union that supports the tech community

Choose the account you’re interested in

Fill out an application, which may require you to share sensitive information for legal requirements
Review the fine print

Read and accept the legal disclosures required for membership.
You’re in!

Start setting up your accounts and enjoying the perks of First Tech membership.