Truth In Savings - Checking and Savings

Checking

Effective Date: 05/01/2025

No minimum Average Daily Balance to avoid fee
Dividend compounded & credited monthly (except Carefree Checking - N/A)
Monthly dividend period (except Carefree Checking - N/A)
Please refer to the Fee Schedule, hereby incorporated by reference, for a list of all applicable fees.

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Balance Range		Min. Opening Balance	Dividend Rate	Annual Percentage Yield ¹
Carefree Checking ²	Carefree Checking ²	$10.00	0.00%	0.00%
First Checking Plus ³	First Checking Plus ³	$10.00	0.00%	0.00%
Start Up Checking	Start Up Checking	$10.00	0.00%	0.00%
HSA Checking ⁴	HSA Checking ⁴	$10.00	1.00%	1.00%
First Tech Premier Rewards Checking	First Tech Premier Rewards Checking	$10.00	0.00%	0.00%
First Tech Rewards Checking (Qualified Rate)
All Balances	$10.00	0.01%	0.01%
First Tech Rewards Checking (Non-Qualified Rate)
All balances	$10.00	0.00%	0.00%
Dividend Rewards Checking (Qualified Rate) ⁵
$0.01 - $10,000.00	N/A	1.98%	2.00%
$10,000.01 +	N/A	0.05%	0.05%
Dividend Rewards Checking (Non-Qualified Rate) ⁵
All balances	N/A	0.00%	0.00%

Savings

Effective Date: 05/01/2025

No minimum Average Daily Balance to avoid fee
Dividend compounded & credited monthly
Monthly dividend period
Please refer to the Fee Schedule, hereby incorporated by reference, for a list of all applicable fees.

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Balance Range		Min. Opening Balance	Dividend Rate	Annual Percentage Yield ¹
Membership Savings	Membership Savings	$5.00	0.01%	0.01%
Carefree Savings ²	Carefree Savings ²	$25.00	0.01%	0.01%
Start Up Savings
$0.01 - $999.99	$25.00	3.93%	4.00%
$1,000.00 +	$25.00	0.05%	0.05%
Instant Access Savings ⁶
$0.01 - $99,999.99	$25.00	0.15%	0.15%
$100,000 - $249,999.99	$25.00	0.25%	0.25%
$250,000 +	$25.00	0.30%	0.30%
First Tech Premier Rewards Savings	First Tech Premier Rewards Savings	$25.00	3.83%	3.90%
First Tech Rewards Savings (Qualified Rate)
All Balances	$25.00	2.96%	3.00%
First Tech Rewards Savings (Non-Qualified Rate)
All balances	$25.00	0.01%	0.01%

1 = Annual Percentage Yield. Rates may change after account opening.

2 = Carefree Checking and Carefree Savings. Existing accounts only. Product is not currently offered for new accounts or account conversions.

3 = First Checking Plus. Existing accounts only. Product is not currently offered for new accounts or account conversions.

4 = HSA Checking. Existing accounts only. Product is not currently offered for new accounts or account conversions.

5 = Dividend Rewards Checking. Existing accounts only. Product is not currently offered for new accounts or account conversions.

6 = Instant Access Savings. Existing accounts only. Product is not currently offered for new accounts or account conversions

Truth in Savings Disclosure for Share Savings, Share Checking, IRA, HSA, and Coverdell Accounts

Effective Date: February 1, 2025

Throughout this Truth in Savings Disclosure, the words “you,” “your,” and “yours” mean each person who owns one or more Share Savings (Membership Savings, Carefree Savings, Instant Access Savings, Start Up Savings, IRA Savings, IRA Instant Access Savings, Roth Savings, Roth Instant Access Savings, Coverdell Savings, or Coverdell Instant Access Savings), or Share Checking (Carefree Checking, Dividends Rewards Checking, First Checking Plus, Start Up Checking, or HSA Checking) with First Technology Federal Credit Union. The words “we,” “us,” or “Credit Union” mean First Technology Federal Credit Union.

Section I. Payment of Dividends

Nature of Dividends: The frequency and conditions upon which dividends are paid on all accounts are determined by the Credit Union’s Board of Directors in accordance with the Federal Credit Union Act and relevant laws (including the Truth- in-Savings Act and Regulations). Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period.
Rate Information: For all dividend bearing accounts, the dividend rate and Annual Percentage Yield (“APY”) may change daily as determined by the Credit Union’s Board of Directors. Please refer to the Rate Sheet provided in addition to this Truth in Savings Disclosure for additional information, including the dividend rate and APY. You may also obtain current rate information by calling the Credit Union toll-free at 855.855.8805 or visiting our website.
Minimum Balance Requirements: We list the minimum balance required to open an account on our Rate Sheet.
Compounding and Crediting for all Accounts: For all dividend bearing accounts, dividends will be compounded monthly and will be credited monthly. For these accounts, the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the ending date of a dividend period, and for this example is January 31. If you close any of your dividend earning accounts before dividends are credited you will not receive the accrued dividends.
Fees and Charges: Please refer to the Fee Schedule provided in addition to this Truth in Savings Disclosure for fees and charges which may be assessed against your account.
Balance Computation Method: Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.
Accrual of Dividends: Dividends will begin to accrue on the business day you deposit cash and non-cash items (e.g., checks) to your account if deposited before the close of business.
Share Requirement: You must complete payment of one share in your Membership Share Savings Account, in accordance with the Membership and Account Agreement, as a condition of your membership.

Section II. Terms and Conditions Applicable to Dividend Rewards Checking Accounts

Restriction: You are limited to one (1) Dividend Rewards Checking Account. As the primary account owner of a Dividend Rewards Checking Account, you may not also be the primary account owner of the following products: First Tech Rewards Savings, First Tech Rewards Checking, First Tech Premier Rewards Savings, and/or First Tech Premier Rewards Checking.
Eligibility: Account must be a personal account, trust account, or similar fiduciary account. Business, Organization, and HSA accounts are not eligible. The primary account owner of the Dividend Rewards Checking Account must also be the primary account owner on a Membership Share Savings account.
Rate Information: The Dividend Rewards Checking Account is a tiered rate account. The applicable dividend rate and corresponding APY will be either the qualified or non-qualified rate, as determined by the qualification requirements per monthly cycle (listed below). If qualifications are met, the dividend rate and APY specified for a tier will apply only to the portion of the account balance that is within the tier. The dividend rates and range of APY(s) may vary depending on account balance and are listed for each tier in our Rate Sheet.
1. Failure to Qualify: If you do not meet the qualification requirements for a monthly cycle, you will earn the non- qualified rate and corresponding APY.
Qualification Requirements Per Monthly Cycle: A monthly cycle is defined as the last day of the previous calendar month through the second to last day of the current calendar month. For example, a monthly cycle would start March 31 and end April 29; the next monthly cycle would be April 30 through May 30. In order to qualify, you must meet all of the following qualification requirements:
1. Have twelve (12) debit card purchases posted to the account.
2. Have one (1) direct deposit or ACH deposit.
3. 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. At least twelve (12) debit card purchases must post to your account by March 30 for purposes of this example. Keep in mind that debit card purchases can take up to three (3) days to post and depend on merchant processing times.
Rebates: For qualified accounts, out-of-network U.S. ATM fees will be refunded for the monthly cycle in which the fee was charged, up to an aggregate maximum amount of $10 per month.

Section III. Terms and Conditions Applicable to Start Up Checking and Savings Accounts

Restriction: You are limited to one (1) Start Up Checking Account and one (1) Start Up Savings Account per primary account owner.
Eligibility: Primary account owner must be under the age of eighteen (18).
1. Once the primary account owner of a Start Up Checking Account turns the age of eighteen (18), the account will automatically convert to a First Checking Plus Account.
2. Once the primary account owner of a Start Up Savings Account turns the age of eighteen (18), the account will automatically convert to a Carefree Savings Account.
A parent and/or guardian must maintain joint ownership on the Start Up Checking and Savings account(s). Membership is required and subject to approval.

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Fee Schedule/Sheet

Effective dates: January 1, 2025

We may assess the following fees against your account.

Please review the Membership and Account Agreement (firsttechfed.com/MAA), account documents, and FAQ page (www.firsttechfed.com/help/faqs/overdraft-fees) for additional information regarding fees, transaction limitations, and other account restrictions that may apply.

Our fees are categorized as follows:

Card Services
Miscellaneous Transactions and Services
Overdraft and Return ACH Origination Fees

Safe Deposit Box
Wire Transfers
Business Accounts

Mortgage Servicing Loan Fees
Consumer Loan Fees
Commercial Loan Fees

Card Services

Applicable fees for ATM and Debit, and Credit Cards. Credit Card may have additional fees which could vary, see Credit Card section of the Rates and Fees, and your account documents and disclosure for more details.

Note: Each individual action at an ATM not owned by First Tech may be considered a separate transaction and a separate transaction fee may be charged by the ATM operator or any network used for each action even if you only enter your PIN once.

Name or Description	Fee Amount	Important Information
ATM Transactions at First Tech Owned and Co-op Network ATMs	No Charge	Unlimited withdrawals, deposits, transfers, and inquiries. Daily ATM withdrawal amount limits may apply..
ATM Cash Withdrawal or Inquiry at Non-First Tech Owned and non-Coop Network ATMs	$2.00	First Tech charge for withdrawals. Does not include any third-party processing or international transaction fees.
ATM Deposit Adjustment	$5.00	This fee is applicable if your deposit at a Co-op network ATM must be adjusted.
Card PIN Rush	$20.00	2 day delivery for Card PIN.
Card Rush	$20.00	2 day delivery for Card.
Card Rush	$35.00	Next day delivery for Card.
International Transaction/Currency Conversion Fee	1% of Purchase Amount	Applies to ATM and Debit Card transactions processed outside of the U.S. as determined by the merchant/processor or when transacting in foreign currency. International transactions include those processed by a merchant overseas, even if the transaction is initiated while here in the U.S. (e.g., Internet transactions).

Miscellaneous Transactions and Services

Applicable fees for miscellaneous services and transactions. Restrictions may apply. Please refer to the Disclosures (firsttechfed.com/Disclosures) and, if applicable, the Digital Banking (firsttechfed.com/DigitalBanking) pages located at firsttechfed.com.

Name or Description	Fee Amount	Important Information
Returned Mail Fee	$5.00	Fee assessed upon receipt of Returned Mail for non-delivery. Not to exceed one fee charged per 12 month period.
Cashier’s Check	No Charge	Limit 3 checks per day.
Check Orders and Re-orders	Varies	Fee depends on style and quantity ordered.
Deposit Verification	No Charge	Documentation provided to review and verify account information, such as balance or transaction history.
Express Delivery — Overnight	$20.00	Fee applies for requested or required express overnight delivery of documentation.
Inactivity Fee	Up to $10/month	May be assessed monthly when a member has not initiated activity on any relationship accounts for at least 6 months. A relationship is defined as any account where the account holder has an ownership role. Exclusions: Account holder is an owner on other open products or has relationships other than Savings and Checking accounts. Account holder has more than $1,000 in relationship deposits. Account holder is under 18 years of age. See our Inactivity Fee FAQ on firsttechfed.com (firsttechfed.com/help/faqs/inactivity-fee) for more information on this fee.
Legal Actions, Garnishments, Executions or Levies	$50.00	Fee applies to garnishments, executions, levies, liens or other legal orders received that must be acted upon.
Specialized Letters	$25.00	Specialized letter requests.
Stop Payments	$33.00	This fee applies when you place a stop payment on a check (one or series of consecutive checks), ACH (one time or recurring), or Cashier’s Check, or through the Online Mobile Banking Bill Pay service.
Bill Pay — Expedited Payment	$30.00	This fee applies if you request to expedite a bill payment through the Online Mobile Banking Bill Pay service.

Overdraft and Return ACH Origination Fees

Applicable fees for Overdraft and Return ACH Origination.

Name or Description	Fee Amount	Important Information
Overdraft Protection Transfer	No Charge	You must enroll to use Overdraft Protection service.
Overdraft Fee¹	$33.00	Overdraft Fee: Paid – Fee applies to paid overdraft items via the Discretionary Overdraft service. This fee applies to the following categories of transactions: share draft, check, ACH, or other electronic means. The following limitations apply to overdraft fees: No fee will be charged if the item/transaction that caused the overdraft or return item is less than $5. No more than 5 overdraft fees per day will be charged to an account. No fee will be charged when we decline or return an item unpaid due to insufficient funds, but you may be charged a fee(s) by the payee for the returned payment. Fee Names on your statement or in Digital Banking may vary depending on transaction type (Check, ACH, POS Reoccurring): Overdraft Fee OD Uncollected / Held Fee OD Recurring POS Fee
Return ACH Origination Fee	$33.00	This fee is applicable when you request First Tech to initiate an ACH transfer (one time or recurring) to or from an external account and it is unsuccessful/returned.

¹See the Overdraft Policy Disclosure section of the Membership and Account Agreement (firsttechfed.com/MAA) and Overdraft Fee FAQ (firsttechfed.com/help/faqs/overdraft-fees) on our website (firsttechfed.com) for additional information and examples of when and how Overdraft Fees are assessed, and tips on how to avoid these fees.

Safe Deposit Box

Applicable fees for safe deposit boxes.

Name or Description	Fee Amount	Important Information
3x5 Annual Rental	$23.00	Box availability and size vary per Experience Center location.
3x10 Annual Rental	$45.00
5x5 Annual Rental	$46.00
5x10 Annual Rental	$58.00
10x10 Annual Rental	$97.00
Key Deposit	$16.00	Refunded when both keys are returned.
Box Drilling	$200.00	Fee applies when a Safe Deposit Box key is lost and First Tech must arrange to drill the lock and replace.

Wire Transfers

Applicable fees per wire. Utilizing other low or no cost services, such as Digital Banking Bill Pay, Person to Person transfers, ACH transfers, and Digital Banking transfers may help you avoid or reduce the number of wire fees.

Name or Description	Fee Amount	Important Information
Incoming – All	$5.00	Applicable fee when receiving funds via domestic or international wire transfers.
Outgoing – Domestic	$20.00	Applicable fee when sending funds via domestic wire transfers.
Outgoing – Foreign	$65.00	Applicable fee when sending funds via international wire transfers.

Business Accounts

Additional fees for business accounts.

Name or Description	Fee Amount	Important Information
Simple Business Checking	$6.00	Monthly fee. Waived if average daily balance is $1,000 or more.
Business Instant Access	$10.00	Monthly fee. Waived if average daily balance is $5,000 or more.
Business Dividend Checking	$15.00	Monthly fee. Waived if average daily balance is $5,000 or more.
Overdraft Transfer Fee	$4.00	Per transfer from a business savings account. You must enroll to use this service.

Mortgage Servicing Loan Fees

Applicable Servicing fees for Mortgage Real Estate loans. Individual loan fees may vary. See your Mortgage loan documents for more details.

Name or Description	Fee Amount	Important Information
Flexity Line of Credit — Annual Fee	Varies	Annual Fee for Home Equity Lines of Credit (HELOC). See Loan documents for more details.
Flexity Line of Credit — Masterline Fixed Lock Fee	$25.00	No charge for first fixed-rate lock. Each additional fixed-rate lock is $25. You can lock in up to three fixed-rate loans under one line of credit. Duration of fixed-rate loans will not exceed the end of draw period.
Flexity Line of Credit — Masterline Fixed Unlock Lock Fee	$125.00	Unlocking fixed-rate loans will move outstanding balance owed to line of credit lien for repayment.
Late Payment Fee	Varies	Applicable fee to all Mortgage Loan Products when payment is received after due date and any applicable grace period. See Loan documents for more details.
Partial Release/Lot Line Fee	$250.00	Applicable to requests where property boundaries change or are sold.
Payoff Processing Fee	$30.00 ($25.00 NJ Properties)	Processing fee for providing payoff quotes to external third parties.
Recast/Reamortize Fee	$100.00	Fee for having loan Principal and Interest payment recalculated post a large single principal reduction payment of at least 10% of the outstanding principal balance.
Subordination Fee	$125.00	Processing fee for review and approval of subordination request.
Reconveyance Fee	Varies by State	Varies by the state in which the real property is located. Fee represents actual amount charged for recording reconveyance by local government as well as services performed by third parties to facilitate reconveyance. Contact Mortgage Servicing for more information and specific amounts.

Consumer Loan Fees

Listed below are common fees which may be applicable to Consumer loans. See your loan documents and disclosure for more information about fees specific to your loan product.

Name or Description	Fee Amount	Important Information
Late Charge	Varies	Applicable fee when payment is received after due date and any applicable grace period. This fee may vary; see loan documents for more details.
Returned Check Payment Fee	$33.00	Fee will be charged when a payment made by check is returned unpaid. See loan documents for more details. Effective September 1, 2024 fee will be increased from $28.00 to $33.00.

Commercial Loan Fees

Listed below are common fees which may be applicable to Commercial loans. See your loan documents for more information about fees specific to your loan product.

Name or Description	Fee Amount	Important Information
Lien Release Fee	Varies by State	Applicable fee for release of security interest in collateral securing the loan. See loan documents for more details.
Late Payment Fee	Varies	Applicable fee when payment is received after due date and any applicable grace period. See loan document for more details.

Insured by NCUA

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