Rewards Checking & Savings Accounts
Earn up to $300 each year with First Tech Rewards Checking® plus Earn up to 3.00% Annual Percentage Yield (APY)3.00% APYAPY=Annual Percentage Yield. Rates effective as of 10/01/2025. Rate may change after the account is opened. Qualified APY is Earn up to 3.00% Annual Percentage Yield (APY)3.00% on Rewards Savings. Non-Qualified APY is 0.01%. $25 minimum opening deposit. Terms and conditions apply. Fees could reduce the earnings on the account. Membership is required and subject to approval. on Rewards Savings balances. For a limited time, earn up to $800* bonus cash.
First Tech Rewards Checking & Savings
Earn up to $800* in bonuses
Ready to boost your savings? Open or convert your first Rewards Checking and Savings account—and you’re on your way to unlocking three limited-time offers.
Refer to disclosuresEligibility
Offer valid though December 31, 2025 for new First Tech Rewards Checking (FTRC) accounts, either newly opened or converted by request within 180 days. Participants must:
• Be 18+ and the primary owner of a personal FTRC account (excludes business, trust, fiduciary, and organization accounts).
• Have First Tech membership (subject to approval).
• Not have received a First Tech debit spend bonus in the past 18 months.
• Not have made any POS transactions on any account as primary owner in the past 12 months.
• Maintain a Membership Savings account in good standing from enrollment through payout.
First Tech may change or end the offer at any time. Disputes must be submitted within 90 days of enrollment and will be resolved at First Tech’s discretion.
Enrollment: The day a member makes their first point-of-sale (POS) transaction using a new debit card. Cards are considered new if they haven’t been previously issued, activated, hot-carded, or used.
Spending Bonus
• Participants earn 5% back on qualified debit card purchases, up to a $200 maximum bonus.
• Purchases of cash or cash equivalents, gambling chips, lottery tickets, traveler’s checks, or money orders are not eligible.
• Purchases must post to the FTRC account within 30 days of enrollment (“Qualification Period”). Excludes pending transactions.
• One Qualification Period per participant.
• Bonuses are deposited to the Membership Savings account on the first Friday after the month in which the Qualification Period ends.
• Bonuses will be considered dividends and may be reported on applicable IRS form 1099.
Example: A member activates a new debit card on June 1, 2025, and makes their first purchase on June 4. All qualifying purchases must post by July 10, 2025.
Evaluation: To identify qualified purchases, we rely on information provided to us by the merchant. First Tech may review account activity and request documentation to verify eligibility. Non-qualifying transactions may be excluded, and bonuses forfeited., Personal Eligibility:
Offer valid though December 31, 2025 for new First Tech Rewards Checking (FTRC) accounts, either newly opened or converted by request. Participants must:
• Be 18+ and the primary owner of a First Tech Membership Savings account and a personal FTRC account (excludes business, trust, fiduciary, and organization accounts).
• Not currently or previously be a primary owner of an FTRC account.
• Not have received a First Tech direct deposit bonus in the past 18 months.
• Maintain the Membership Savings and FTRC accounts in good standing (not in default, closed, inactive, or otherwise not in good standing from the time of Enrollment through the time of payout.
First Tech may change or end the offer at any time without notice. Disputes must be submitted within 180 days of enrollment.
Direct Deposit Eligibility:
• Direct deposits are considered new if no direct deposit activity has been posted to any account on which the participant is the primary owner in the past 18 months.
• New direct deposit must be established within 60 days of account opening.
• Direct deposits must be from employer payroll or approved government benefits (e.g., Social Security). Excludes direct deposits from any other source.
• Non-direct deposits do not qualify including, but not limited to checks, wires, transfers from other First Tech accounts, non-payroll ACH transfers (i.e. small business payments or owner distributions, bank ACH transfers, Treasury Direct, Wise, Chase Business), transfers from other financial institutions, person to person transfers (i.e. Cash App, PayPal, Venmo), merchant transactions (e.g. PayPal, Stripe, Square), and non-recurring transactions such as tax reimbursements.
Eligibility:
• Starts the date the first qualified direct deposit is posted to the FTRC and continues for 90 calendar days.
• The FTRC must receive at least one qualifying direct deposit per calendar month for three consecutive months counting the month in which the enrolling deposit is received.
Bonus Tiers:
• $50 for $1,000–$4,999 in monthly direct deposits.
• $300 for $5,000+ in monthly direct deposits.
Bonuses are deposited in the Primary owner’s Membership Savings account on the Friday after the qualification and may be reported on IRS Form 1099.
Example: If the first direct deposit is on June 1, 2025, additional deposits must be received in July and August. The bonus would be paid by September 7, 2025.
Evaluation: First Tech may review account activity and request documentation to verify eligibility. Non-qualifying transactions may be excluded, and bonuses forfeited. & Personal Eligibility:
Offer valid through December 31, 2025 for new First Tech Rewards Checking (FTRC) accounts, either newly opened or converted by request. Participants must:
• Be 18+ and the primary owner of a First Tech Membership Savings account and a personal FTRC account (excludes business, trust, fiduciary, and organization accounts).
• Not currently or previously be a primary owner of a First Tech Rewards Savings (FTRS) account.
• Not have received a First Tech balance growth bonus in the past 18 months.
• Maintain the Membership Savings, FTRC and FTRS accounts in good standing (not in default, closed, inactive, or otherwise not in good standing) from the time of Enrollment through the time of payout.
First Tech may change or end the offer at any time without notice. Disputes must be submitted within 180 days of enrollment.
Funds Eligibility:
• Eligible only for new external funds not previously held at First Tech. Transfers from other First Tech accounts or from affiliates of First Tech do not qualify.
• Balance growth is based on the member’s total share account balances at the time of enrollment.
• Withdrawals or transfers may reduce eligibility.
• Funds must be deposited into a personal FTRC, FTRS account or a combination thereof within 30 days of enrollment.
• From day 31 through day 120, the average daily balance across all share accounts must meet the bonus tier threshold (Qualification Period).
Enrollment:
• Starts the day the participant opens the first FTRS account on which they are the primary owner.
• FTRS accounts must be opened within 45 days after the new FTRC opening or conversion.
Bonus Tiers:
• $150 for $10,000–$20,000 in new deposits.
• $300 for new deposits greater than $20,000.
Bonuses are deposited in the Primary owner’s Membership Savings account on the second Friday after the Qualification Period ends and may be reported on IRS Form 1099.
Example: If a member enrolls on Jan 2, 2025, and had $100 in share accounts, they must deposit $10,000 by Feb 1 and maintain an average daily balance of at least $10,100 through May 2 to earn the $150 bonus.
Evaluation: First Tech may review account activity and request documentation to verify eligibility. Non-qualifying transactions may be excluded, and bonuses forfeited. for details
Use your cardEligibility
Offer valid though December 31, 2025 for new First Tech Rewards Checking (FTRC) accounts, either newly opened or converted by request within 180 days. Participants must:
• Be 18+ and the primary owner of a personal FTRC account (excludes business, trust, fiduciary, and organization accounts).
• Have First Tech membership (subject to approval).
• Not have received a First Tech debit spend bonus in the past 18 months.
• Not have made any POS transactions on any account as primary owner in the past 12 months.
• Maintain a Membership Savings account in good standing from enrollment through payout.
First Tech may change or end the offer at any time. Disputes must be submitted within 90 days of enrollment and will be resolved at First Tech’s discretion.
Enrollment: The day a member makes their first point-of-sale (POS) transaction using a new debit card. Cards are considered new if they haven’t been previously issued, activated, hot-carded, or used.
Spending Bonus
• Participants earn 5% back on qualified debit card purchases, up to a $200 maximum bonus.
• Purchases of cash or cash equivalents, gambling chips, lottery tickets, traveler’s checks, or money orders are not eligible.
• Purchases must post to the FTRC account within 30 days of enrollment (“Qualification Period”). Excludes pending transactions.
• One Qualification Period per participant.
• Bonuses are deposited to the Membership Savings account on the first Friday after the month in which the Qualification Period ends.
• Bonuses will be considered dividends and may be reported on applicable IRS form 1099.
Example: A member activates a new debit card on June 1, 2025, and makes their first purchase on June 4. All qualifying purchases must post by July 10, 2025.
Evaluation: To identify qualified purchases, we rely on information provided to us by the merchant. First Tech may review account activity and request documentation to verify eligibility. Non-qualifying transactions may be excluded, and bonuses forfeited.
- Activate and use your digital or physical Debit Card within 30 days of opening or converting your account.
- Enjoy 5% cash back on qualifying purchases made for 30 days after first use.
Set up Direct DepositPersonal Eligibility:
Offer valid though December 31, 2025 for new First Tech Rewards Checking (FTRC) accounts, either newly opened or converted by request. Participants must:
• Be 18+ and the primary owner of a First Tech Membership Savings account and a personal FTRC account (excludes business, trust, fiduciary, and organization accounts).
• Not currently or previously be a primary owner of an FTRC account.
• Not have received a First Tech direct deposit bonus in the past 18 months.
• Maintain the Membership Savings and FTRC accounts in good standing (not in default, closed, inactive, or otherwise not in good standing from the time of Enrollment through the time of payout.
First Tech may change or end the offer at any time without notice. Disputes must be submitted within 180 days of enrollment.
Direct Deposit Eligibility:
• Direct deposits are considered new if no direct deposit activity has been posted to any account on which the participant is the primary owner in the past 18 months.
• New direct deposit must be established within 60 days of account opening.
• Direct deposits must be from employer payroll or approved government benefits (e.g., Social Security). Excludes direct deposits from any other source.
• Non-direct deposits do not qualify including, but not limited to checks, wires, transfers from other First Tech accounts, non-payroll ACH transfers (i.e. small business payments or owner distributions, bank ACH transfers, Treasury Direct, Wise, Chase Business), transfers from other financial institutions, person to person transfers (i.e. Cash App, PayPal, Venmo), merchant transactions (e.g. PayPal, Stripe, Square), and non-recurring transactions such as tax reimbursements.
Eligibility:
• Starts the date the first qualified direct deposit is posted to the FTRC and continues for 90 calendar days.
• The FTRC must receive at least one qualifying direct deposit per calendar month for three consecutive months counting the month in which the enrolling deposit is received.
Bonus Tiers:
• $50 for $1,000–$4,999 in monthly direct deposits.
• $300 for $5,000+ in monthly direct deposits.
Bonuses are deposited in the Primary owner’s Membership Savings account on the Friday after the qualification and may be reported on IRS Form 1099.
Example: If the first direct deposit is on June 1, 2025, additional deposits must be received in July and August. The bonus would be paid by September 7, 2025.
Evaluation: First Tech may review account activity and request documentation to verify eligibility. Non-qualifying transactions may be excluded, and bonuses forfeited.
- Set up a direct deposit of $1,000+ from your employer or a government agency to your Rewards Checking within 60 days of opening or convertingPersonal Eligibility:
Offer valid though December 31, 2025 for new First Tech Rewards Checking (FTRC) accounts, either newly opened or converted by request. Participants must:
• Be 18+ and the primary owner of a First Tech Membership Savings account and a personal FTRC account (excludes business, trust, fiduciary, and organization accounts). • Not currently or previously be a primary owner of an FTRC account. • Not have received a First Tech direct deposit bonus in the past 18 months. • Maintain the Membership Savings and FTRC accounts in good standing (not in default, closed, inactive, or otherwise not in good standing from the time of Enrollment through the time of payout. First Tech may change or end the offer at any time without notice. Disputes must be submitted within 180 days of enrollment. Direct Deposit Eligibility:
• Direct deposits are considered new if no direct deposit activity has been posted to any account on which the participant is the primary owner in the past 18 months. • New direct deposit must be established within 60 days of account opening. • Direct deposits must be from employer payroll or approved government benefits (e.g., Social Security). Excludes direct deposits from any other source. • Non-direct deposits do not qualify including, but not limited to checks, wires, transfers from other First Tech accounts, non-payroll ACH transfers (i.e. small business payments or owner distributions, bank ACH transfers, Treasury Direct, Wise, Chase Business), transfers from other financial institutions, person to person transfers (i.e. Cash App, PayPal, Venmo), merchant transactions (e.g. PayPal, Stripe, Square), and non-recurring transactions such as tax reimbursements. Eligibility:
• Starts the date the first qualified direct deposit is posted to the FTRC and continues for 90 calendar days.
• The FTRC must receive at least one qualifying direct deposit per calendar month for three consecutive months counting the month in which the enrolling deposit is received.
Bonus Tiers:
• $50 for $1,000–$4,999 in monthly direct deposits. • $300 for $5,000+ in monthly direct deposits.
Bonuses are deposited in the Primary owner’s Membership Savings account on the Friday after the qualification and may be reported on IRS Form 1099.
Example: If the first direct deposit is on June 1, 2025, additional deposits must be received in July and August. The bonus would be paid by September 7, 2025.
Evaluation: First Tech may review account activity and request documentation to verify eligibility. Non-qualifying transactions may be excluded, and bonuses forfeited. - Maintain that balance for 3 consecutive months.
Deposit New MoneyPersonal Eligibility:
Offer valid through December 31, 2025 for new First Tech Rewards Checking (FTRC) accounts, either newly opened or converted by request. Participants must:
• Be 18+ and the primary owner of a First Tech Membership Savings account and a personal FTRC account (excludes business, trust, fiduciary, and organization accounts).
• Not currently or previously be a primary owner of a First Tech Rewards Savings (FTRS) account.
• Not have received a First Tech balance growth bonus in the past 18 months.
• Maintain the Membership Savings, FTRC and FTRS accounts in good standing (not in default, closed, inactive, or otherwise not in good standing) from the time of Enrollment through the time of payout.
First Tech may change or end the offer at any time without notice. Disputes must be submitted within 180 days of enrollment.
Funds Eligibility:
• Eligible only for new external funds not previously held at First Tech. Transfers from other First Tech accounts or from affiliates of First Tech do not qualify.
• Balance growth is based on the member’s total share account balances at the time of enrollment.
• Withdrawals or transfers may reduce eligibility.
• Funds must be deposited into a personal FTRC, FTRS account or a combination thereof within 30 days of enrollment.
• From day 31 through day 120, the average daily balance across all share accounts must meet the bonus tier threshold (Qualification Period).
Enrollment:
• Starts the day the participant opens the first FTRS account on which they are the primary owner.
• FTRS accounts must be opened within 45 days after the new FTRC opening or conversion.
Bonus Tiers:
• $150 for $10,000–$20,000 in new deposits.
• $300 for new deposits greater than $20,000.
Bonuses are deposited in the Primary owner’s Membership Savings account on the second Friday after the Qualification Period ends and may be reported on IRS Form 1099.
Example: If a member enrolls on Jan 2, 2025, and had $100 in share accounts, they must deposit $10,000 by Feb 1 and maintain an average daily balance of at least $10,100 through May 2 to earn the $150 bonus.
Evaluation: First Tech may review account activity and request documentation to verify eligibility. Non-qualifying transactions may be excluded, and bonuses forfeited.
- Move $10,000+ from another institution into your Rewards Savings within 30 days of opening or converting.
- Maintain the balance growth in your accounts for 90 days.
Here’s how to get up to $800
- Use your debit card: up to $200
- Set up recurring Direct Deposit and earn up to $300 ($1,000 DD=$50, $5,000 DD=$300)
- Move money to First Tech and earn up to $300 ($10,000=$150, $20,000=$300)
*Your one-time promotional bonuses for each promotion will be deposited into your Membership Savings 1-2 weeks after you qualify.
Qualify with Rewards Checking
and earn more each month
A credit union checking account and high yield savings account are a great way to earn more.
We’ve simplified the ways you can earn bonus cash and other benefits with First Tech Rewards Checking® and Savings:
Qualify withQualification Requirements Per Monthly Cycle: To qualify, you must meet all of the following qualification requirements: 1. Have an aggregate spend of at least $1000 per month posted to the applicable accounts. Qualifying transactions include: 1. Posted debit card purchases to the First Tech Rewards Checking account. 2. Posted credit card purchases on a First Tech credit card account. Credit card purchases must be made on a First Tech credit card account with the same primary account owner as the First Tech Rewards Checking account. 2. Have ACH deposits totaling at least $1,000 per cycle (either multiple aggregate ACH deposits equal to $1,000 or one $1,000 ACH deposit) to the First Tech Rewards Checking account. 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. Qualifying debit and/or credit card purchases must post to your account(s) by March 30 for purposes of this example. Keep in mind that debit and/or credit card purchases can take several days to post and depend on merchant processing times. |
You can getRebates: All loans, home equity lines of credit (HELOCs), credit cards, and First Tech Rewards Savings accounts must have the same primary account owner as the qualifying First Tech Rewards Checking. Only the first qualifying FTRC can receive cash back if more than one FTRC has the same primary account owner. 0.50% cash back on minimum scheduled payment amount made from a First Tech account to First Tech consumer loans, mortgage loans and home equity lines of credit up to $15 per month. 1.00% cash back on all posted First Tech credit card purchases, up to $30 per month. Reimbursement of any out-of-network U.S. ATM fees, up to $10 per month for each FTRC owned by the primary account owner. Rebates will be received when qualifications are met and posted within three (3) business days after the end of the calendar month. |
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Minimum monthly card spend of $1,000 and Monthly direct deposit/ACH of $1,000+ and Enrollment in paperless statements |
3.00% APYAPY=Annual Percentage Yield. Rates effective as of 10/01/2025. Rate may change after the account is opened. Qualified APY is Earn up to 3.00% Annual Percentage Yield (APY)3.00% on Rewards Savings. Non-Qualified APY is 0.01%. $25 minimum opening deposit. Terms and conditions apply. Fees could reduce the earnings on the account. Membership is required and subject to approval. on Rewards Savings balances (that's 9x the national savings rate) and 1.00% cash back on credit card spending and 0.50% cash back on minimum loan payments |
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