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Dividend Rewards Checking
You earned it. Watch it grow.
This account is right for you if you:
Want to earn a higher dividend with greater account usage
Actively use your debit card
Prefer to receive e-Statements
You'll benefit from:
No minimum balance or monthly maintenance fees
Surcharge-free access at nearly 30,000 CO-OP Network ATMs nationwide
Dynamic RateAPY = Annual Percentage Yield. Dividend Rewards Checking minimum opening balance $0.01. Effective 08.01.20, APY is 1.25% on balances between $.01 and $10,000 and 0.10% APY on balances over $10,000 each calendar month the minimum qualification are met. Qualifications per monthly cycle are 12 debit card purchases, one direct deposit or ACH withdrawal, and receive electronic statements. Qualifying transactions must post to your account prior to the last day of the month. If the requirements per qualification period are not met, the dividend rate and corresponding APY earned will be the non-qualified rate.
- Open an Account
You'll Benefit From
Manage your money when and where you want:
Access your account online
Deposit checks and pay bills with our free mobile app
Enter a branch at nearly 6,000 CO-OP Shared Branch locations
Real-time fraud monitoring
Secure online access
Chip and PIN enabled debit card
Earn a higher dividend rate & ATM fee rebates when you:
Use your debit card for a minimum of 12 purchases
Set up direct deposit or one recurring ACH withdrawal
Enroll in e-Statements (for each qualifying period)
Your debit card provides:
Identity Theft Resolution Services
Frequently Asked Questions
What is Dividend Rewards Checking?
Dividend Rewards Checking is a checking account from First Tech Federal Credit Union that allows you to earn a higher dividend with greater account usage.
What are the qualifications for a Dividends Rewards Checking account?
There are three requirements for Dividends Rewards Checking account:
- Use your debit card for a minimum of 12 purchases
- Set up direct deposit or one recurring ACH withdrawal
- Enroll in e-Statements
Is there a minimum balance I must maintain for a Dividend Rewards Checking account?
First Tech requires no minimum balance for a Dividend Rewards Checking Account
Are there any fees associated with the Dividend Rewards Checking account?
There are no monthly maintenance fees with a First Tech Dividend Rewards Checking Account. You also have surcharge-free access at nearly 30,000 CO-OP Network ATMs nationwide
How fast will I earn rewards with a Dividends Reward Checking account?
Dividends Rewards Checking account rates and rewards are dependent on the account balance as long as the account requirements are met. There is no minimum account balance to earn dividends. See the current rate sheet for Dividend Rate and APY.
How can I start a First Tech Dividends Checking account?
Visit the First Tech website to start the application process and open an account.
What kind of security features does First Tech offer?
The Dividend Rewards Checking account is protected by real-time fraud monitoring
Secure online access, and Chip and PIN enabled debit card