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Rewards Checking & Savings Accounts

Earn up to $300 each year with First Tech Rewards Checking® on Rewards Savings balances.

Open First Tech Rewards Checking
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First Tech Rewards Checking & Savings

Get up to 3.00% APY byQualification Requirements Per Monthly Cycle: To qualify, you must meet all of the following qualification requirements:
a. Have an aggregate spend of at least $1,000 per month posted to the applicable accounts. Qualifying transactions include:
i. Posted debit card purchases to the First Tech Rewards Checking account.
ii. 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.
b. 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.
c. 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.
:

Minimum monthly card
spend of $1,000

Monthly direct deposit/ACH
of $1,000+

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Enrollment in paperless statements

Earn extra rewards likeRebates: 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.:

3.00% APYAPY=Annual Percentage Yield. Rates effective as of 12/01/2025. 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 (9x the national rate)

1.00% cash back on
credit card spending

0.50% cash back on
minimum loan payments

Calculate your rewards

Frequently Asked Questions

To open a First Tech Rewards Savings® account, simply log into your First Tech online banking and navigate to “Open an Account.” From there, select Rewards Savings and follow the prompts to complete your application.
To take advantage of all the features of First Tech Rewards, you do need to have both accounts. Qualify each month using your First Tech Rewards Checking® and receive rebates to your checking account plus earn the higher yield on First Tech Rewards Savings balances.
Nope! You can have as many First Tech Rewards Checking® and Savings accounts as you like to manage your money your way. Keep in mind that you can only be in one Rewards Program at a time.
Let's chat. Schedule an appointment so we can review your accounts and make recommendations on things you could change to help you qualify each month.
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