It's your money's
turn to work
for you.

Voted by MONEY Magazine as #1 in California and Oregon.

We received the award but you reap the rewards with our Dividend Rewards Checking.

Earn up to 1.25% APY .

Dividend Rewards Checking

You earned it. Watch it grow.

This account fits those who:

  • Want to earn a higher dividend with greater account usage
  • Actively use a debit card
  • Prefer to receive e-Statements

Reap the benefits.

Checkbox You'll benefit from:

  • Higher dividend rate for qualified accounts
  • No minimum balance or monthly maintenance fees
  • Surcharge-free access at nearly 30,000 CO-OP network ATMs nationwide
  • ATM surcharge rebates on out-of-network ATMs for qualified accounts

Checkbox 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

Checkbox Peace of mind

  • Real-time fraud monitoring
  • Secure online access
  • Chip-and-PIN enabled debit card

Checkbox Earn a higher dividend rate & ATM fee rebates when you:

  • Use your debit card for a minimum of 12 purchases per month
  • Set up direct deposit or one recurring ACH withdrawal
  • Enroll in e-Statements (for each qualifying period)

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

  • Extended warranty
  • Satisfaction guarantee
  • Identity Theft resolution services
  • And more (see Debit Mastercard tab)

Debit Mastercard

  • Benefits Overview Call 1.800.MASTERCARD (1.800.627.8372) for more information or for assistance with these benefits.
  • Mastercard Global Service™ provides 24 hour a day, seven day a week assistance with lost and stolen card reporting, emergency card replacement, emergency cash advance, as well as assistance with locating ATMs.
  • Mastercard Airport Concierge™ provides a Meet and Greet agent to assist with flight connections, plus at select airports, expedited security/immigration processing.
  • Extended Warranty doubles most manufacturer or U.S. store brand warranties for up to one additional year.
  • Satisfaction Guarantee covers most items purchased with your card if they are damaged or stolen within 90 days of the purchase date.
  • Identity Theft Protection assists you with credit bureau notification and credit card replacement and provides you with an ID Theft Affidavit should you become an identity theft victim.

Certain restrictions apply. For details, refer to the Guide to Benefits brochure that accompanies your card. MasterCard, Priceless and the MasterCard brand mark are registered trademarks and MasterCard Global Service and MasterCard Airport Concierge are trademarks of MasterCard International Incorporated, used pursuant to a license.

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:

  1. Use your debit card for a minimum of 12 purchases per month
  2. Set up direct deposit or one recurring ACH withdrawal
  3. 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.

Check out our related resources.

Rate Sheet and Fee Schedule

Membership and Account Agreement

Limitation and Termination of Service Policy