Checking options made for you.

Pick the right account
that fits your needs.

We have a range of checking account options to fit your life. Our checking accounts are more than just access to your money, whenever and however you need it. They also help you earn rewards, as well as track savings and expenses to elevate your financial life. Start exploring your options now.

Checking AccountsMembership Savings Account required prior to obtaining other products or services.

Dividend Rewards Checking

Earn up to 1.25% APY

Keep more money in your wallet with the checking account that actually pays you.

Carefree Checking

Count on us to keep it simple, straightforward and to be there for you when you need us.

HSA Checking

Earn up to 1.00% APY

Pay for medical expenses with peace-of-mind and without monthly charges.

Choose your own adventure.

Find the checking account that's right for you.

Dividend Rewards Checking Carefree Checking HSA Checking
Earns Annual Percentage Yield up to Earn up to 1.25% APY APY = Annual Percentage Yield - Earn up to 1.00% APY APY = Annual Percentage Yield
Monthly account fee $0 $0 $0
Free chip-and-PIN enabled debit card Yes Yes Yes
Free Online Banking with BillPay Yes Yes Yes
Free Mobile Banking with e-Deposits Yes Yes -

Unlimited ATM fee rebates Yes - -
Free access to over 30,000 CO-OP ATMs Yes Yes -

No monthly balance requirement Yes Yes Yes
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Reap the benefits.

Checkbox Direct Deposit


  • One less errand for you to check off your list. Set up your paycheck to deposit direct into your account.




Checkbox Chip-and-PIN enabled debit card


  • Shop with your card feeling confident you're protected with strong security.

Checkbox Mobile Banking


  • Download our free Mobile Banking App and you'll have a branch at your finger tips.

Checkbox Alerts


  • We'll let you know when checks clear, a transaction is complete and more. Set up your preferences and stay in the know.

Checkbox E-Statements


  • Receive your monthly statement securely and conveniently online.

Access your accounts anytime, anywhere.

Log in online or download our Mobile App — It's your money, we'll keep you connected.

Complete transactions

  • Transfer funds between First Tech accounts
  • Deposit checks with E-deposit
  • Pay bills or your First Tech loan on the go
  • Check account balances

Find First Tech branches

  • Search for a nearby branch
  • Look up hours and directions

Locate a surcharge-free ATM

  • Locate a CO-OP Network ATM near you. There are over 30,000 surcharge free ATMs across the U.S.

Checking calculators for you.

Calculate everything from how we compare to major banks to what it takes to save for a college.