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Dividend Rewards Checking

You earned it. Watch it grow.

Account icon
  • 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

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  • You'll benefit from:
  • Qualified accounts earn a higher dividend rate

    No minimum balance or monthly maintenance fees

    Surcharge-free access at nearly 30,000 CO-OP Network ATMs nationwide

    Qualified accounts earn ATM surcharge rebates at out-of-network ATMs

    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

Checking benefits

Peace-of-mind

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)

 

Cardholder benefitsCertain terms, conditions and exclusions apply. See our Debit MasterCard Benefits Guide for further details.

Your debit card provides:

Extended Warranty

Satisfaction Guarantee

Identity Theft Resolution Services

And more

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