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First Tech Routing #321180379
Checking Accounts

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 and higher Annual Percentage Yields (APY) to elevate your financial life. Start exploring your options now.
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Checking Accounts

First Tech Rewards Checking

Earn up to 5.00% Annual Percentage Yield (APY)

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

First Checking Plus

Earn up to 0.01% Annual Percentage Yield (APY)

A low maintenance checking option that earns dividends.

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% Annual Percentage Yield (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.

Benefits First Tech Rewards Checking First Checking Plus Carefree Checking HSA Checking
Earns Annual Percentage Yield Up To Earn up to 5.00% Annual Percentage Yield (APY) Earn up to 0.01% Annual Percentage Yield (APY) - Earn up to 1.00% Annual Percentage Yield (APY)
Monthly account fee $0 $0 $0 $0
Free chip-and-PIN enabled debit card Yes Yes Yes Yes
Free Online Banking with BillPay Yes Yes Yes Yes
Free Mobile Banking with e-Deposits Yes Yes Yes -

ATM fee rebates Yes -No -No -No
Free access to over 30,000 CO-OP ATMs Yes Yes Yes -

No monthly balance requirement Yes Yes Yes Yes
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Reap the benefits.

Direct Deposit

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

Chip-and-PIN enabled debit card

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

Mobile Banking

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

Alerts

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

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. 

Frequently asked questions.

Our checking accounts are the simplest, safest, most convenient way for you to make purchases and manage your money anytime, anywhere.

A checking account allows you easy access to your money for your usual daily transactions. Most anywhere you can purchase a good or service with cash, you can use a debit card or check instead. It may take hours or days after a transaction until the money is withdrawn from your account. Checking accounts are deposit accounts at banks, credit unions and other financial institutions.

Checking accounts allow consumers to deposit cash to safe places that are often federally insured by NCUA or FDIC. First Tech deposit accounts are insured by NCUA or the National Credit Union Administration. The NCUA’s Share Insurance Fund has the backing of the full faith and credit of the United States. Credit union members have never lost even a penny of insured savings at a federally insured credit union. Depositing your money at an FDIC or NCUA insured financial institution also means you don’t risk cash on hand being lost or stolen. Plus, your checking account may even pay you some interest so you money grows over time. The same can’t be said for money under the mattress or buried in a backyard.

To submit your first check order, log in to Digital Banking and send us a secure message (see instructions below), stop by an experience center near you or call us at 855.855.8805.

  • On a desktop device, locate the Message Center by clicking the account name in the upper left corner of your screen, then selecting “Messages” from the drop-down menu. Select “Compose” to bring up the “New Message” window. Write your message and click “Send Message” when complete.
  • On a mobile device, locate the Message Center in the collapsed menu indicated with the three horizontal bar icon. Touch the icon, scroll to Message Center and select, then select Compose. Write your message and press “Send” when complete.

  1. Log in to Digital Banking, select the “More” option on your dashboard and locate the “Check Services” widget.
  2. Navigate to the “Reorder Checks” tab in the “Check Services” widget. Click “Order Checks,” to be redirected Harland Clarke, First Tech’s trusted third-party check ordering service.
  3. Pick a new check design or simply click on the First Tech check in top right corner.
  4. Confirm your personal information and verify the starting check number. This should be in sequence with your last used check.
The Check Services widget does NOT allow you to change personal information on your checks (such as name, address or identification numbers), or change your starting check number. This service also cannot be used for your first order of checks. If you need to make this kind of change or have never ordered checks for your First Tech account, please send us a Secure Message in Digital Banking, stop by an experience center near you, or call us at 855.855.8805. 

Make changes to the information on your checks or choose a different starting check number by logging in to Digital Banking and using the steps below to send us a secure message. You may also stop by an experience center near you or call us at 855.855.8805.

  • On a desktop device, locate the Message Center by clicking the account name in the upper left corner of your screen, then selecting “Messages” from the drop-down menu. Select “Compose” to bring up the “New Message” window. Write your message and click “Send Message” when complete.
  • On a mobile device, locate the Message Center in the collapsed menu indicated with the three horizontal bar icon. Touch the icon, scroll to Message Center and select, then select Compose. Write your message and press “Send” when complete.

Your Available balance is the amount of funds available to cover transactions after subtracting any pending transactions or held funds from your current balance.  Examples of how Available balance and Current balance may affect your transactions can be found within the Overdraft Policy Disclosure at firsttechfed.com/Overdrafts.

First Tech may put a hold on your deposited check to help ensure deposited funds clear before they are made available. This helps protect our members, as well as the credit union, against incorrect account balances. If a member spends funds from a check they deposited, and it’s later returned unpaid, they would have to cover the negative balance. The length that funds may be held depends on the situation or type of check that’s deposited. For any hold longer than two days, First Tech will provide notice.

Yes, all of our locations provide temporary checks for new accounts.

To order checks for the first time or to place reorders with changes, log in into Digital Banking and send us a secure message, stop by an experience center near you or call us at 855.855.8805. To order checks with no changes, log in to Digital Banking and use the Check Services widget.