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Routing #321180379

First Tech Rewards

It’s time to get more out of it all.

Introducing First Tech Rewards Checking and Savings.

More savings. More convenience and ease. First Tech Rewards CheckingTRUTH-IN-SAVINGS DISCLOSURE: First Tech Rewards Checking and First Tech Rewards Savings. Limit one Rewards Checking account per primary account owner. Any additional Rewards Checking accounts may be converted to a different First Tech checking account. Account must be a personal account. Trust, Business, and Organization accounts are not eligible.

Rate Information: The First Tech Rewards Checking is a tiered rate account. The dividend rate and corresponding Annual Percentage Yield (APY) will be either the qualified or non-qualified rate as determined by the qualification requirements per monthly cycle (listed below). If qualifications are met, the dividend rate and APY specified for a tier will apply only to the portion of the account balance that is within that tier. The dividend rates and range of APY(s) may vary depending on account balance and are listed for each tier.

First Tech Rewards Checking requirements per monthly cycle:

• Have a combined total of at least 20 qualifying transactions with an aggregate spend of at least $500 per month posted to the applicable accounts. Qualifying transactions include:

• Posted debit card purchases to the First Tech Rewards Checking account

• Posted credit card purchases on a First Tech credit card account*

• Have ACH deposits and/or withdrawals totaling at least $1,000 per cycle (either multiple aggregate ACHs equal to $1,000 or one $1,000 ACH) to the First Tech Rewards Checking account

• Enrollment in electronic statements and notices for the primary account owner

In order to qualify, all qualifications listed above must be completed and posted to your account prior to the last day of the month. For example, the last day of January is January 31st. Debit and credit card transactions must post to your account(s) by January 30th. Transactions that post on the last day of the month will be counted toward the next month’s qualification cycle. Debit and credit card purchases can take up to several business days to post, depending on the merchant’s processing time. If you don't meet the requirements for a qualification period, you'll earn the non-qualified rate and corresponding APY. 

The offered rebates may change at any time, as determined by the Credit Union’s Board of Directors. The following rebates will be credited to the First Tech Rewards Checking account if the account qualification criteria are met for the monthly cycle in which the transaction posted. Rebates will be posted within 3 business days after the end of the month.

• Reimbursement of any out-of-network U.S. ATM fees, up to a maximum of $15 per month

• 0.25% cash back on minimum scheduled payment amount made from another First Tech account to your First Tech consumer loan(s) and/or HELOC**, up to a maximum of $15 per month

• 0.50% cash back on all posted credit card purchases made on your First Tech credit card account*, up to a maximum of $15 per month

• Reimbursement of monthly online streaming subscription services charged to your First Tech credit card account*, up to a maximum of $10 per month

Merchant category codes that qualify for the reimbursement of online streaming subscriptions include the following: 4899 - Cable, Satellite, and Other Pay Television and Radio Services; 5735 - Record Shops; and 5968 - Direct Marketing - Continuity/Subscription Merchants. First Tech does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify. Merchants who accept Mastercard® credit cards are assigned a merchant code which is determined by the merchant or its processor in accordance with Mastercard® procedures based on the kinds of products and services they primarily sell. First Tech groups similar merchant codes into categories for purposes of making offers to you. Please note that First Tech makes every effort to include all relevant merchant codes in our categories. However, even though a merchant or some of the items that it sells may appear to fit within a category, the merchant may not have a merchant code in that category. 

*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. 

**Primary account owner of the First Tech Rewards Checking account must be listed as primary borrower on the First Tech consumer loan(s) or home equity line of credit (HELOC). Regular payments to credit cards, closed-end mortgages, and commercial loan products are not eligible for this product offering and do not qualify for the above mentioned cash back rebates. Prepayments, late payments, and payoffs not included. Loans must be in good standing (active, current, not delinquent).

Opening this checking account does not guarantee approvals on loan accounts. Lending qualifications will still apply.

APPLIES ONLY TO FIRST TECH REWARDS SAVINGS ACCOUNT

Limit one Rewards Savings account per primary account owner. Any additional Rewards Savings accounts may be converted to a different First Tech savings account.

Account must be a personal account. Trust, Business, and Organization accounts are not eligible.

The First Tech Rewards Savings account requires a corresponding First Tech Rewards Checking account. The primary account owner of the First Tech Rewards Savings account must be the same as that which is listed on the First Tech Rewards Checking account.

Rate Information: The First Tech Rewards Savings is a tiered rate account. The dividend rate and corresponding annual percentage yield (APY) will be either the qualified or non-qualified rate as determined by the First Tech Rewards Checking qualification requirements per monthly cycle (listed above in First Tech Rewards Checking Account per Monthly Cycle section). If the qualifications are met, the First Tech Rewards Savings dividend rate and APY specified for a tier will apply only to the portion of the account balance that is within that tier. The dividend rates and range of APY(s) may vary depending on account balance and are listed for each tier. If you don't meet the requirements for a qualification period, you'll earn the non-qualified rate and corresponding APY.

  can link to your First Tech Rewards Savings account, loans, and credit cards to give you more of what you want in life.

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First Tech Rewards Checking

Earn up to 0.50% APY

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

First Tech Rewards Savings

Earn up to 2.00% APY

Build your savings faster with an account that pays you more.

First Tech Rewards Checking

Watch Your Rewards Grow

The perfect account for when you want to:

  • Maximize rebates across your checking, loans & credit cards
  • Earn more with a linked First Tech Rewards Savings account
  • Utilize your credit card to qualify for more rewards

Reap the benefits.


Qualify with

You can get

20 Transactions

Any debit & credit card transactions with minimum monthly spend of $500

and

Monthly direct deposit/ ACH of $1,000+

and

eStatement enrollment

Checking: Rate of 0.50% up to $15,000; 0.10% $15,000+

Savings: Rate of 2.00% up to $1,000; 0.50% to $25,000; 0.10% $25,000+

ATM: Rebates up to $15 per month

Credit Card: Additional 0.5% cash back up to $15 per month on spending and $10 streaming subscription rebate

Loans & HELOCs: 0.25% cash back on minimum loan payment from other First Tech accounts up to $15 per month

You'll benefit from:

  • No minimum balance requirements
  • No monthly account maintenance fees
  • Surcharge-free access at nearly 30,000 CO-OP network ATMs nationwide
  • Free checking

Manage your money when and where you want

  • Access your account online
  • Deposit checks and pay bills with our free Mobile App
  • Visit a branch at nearly 6,000 CO-OP shared branch locations

Peace of mind

  • Real-time fraud monitoring
  • Secure online access
  • Free overdraft transfers from savings or line of credit
  • Chip-and-PIN enabled debit card

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)

Reap the benefits.


Qualify with

You can get

20 Transactions

Any debit & credit card transactions with minimum monthly spend of $500

and

Monthly direct deposit/ ACH of $1,000+

and

eStatement enrollment

Checking: Rate of 0.50% up to $15,000; 0.10% $15,000+

Savings: Rate of 2.00% up to $1,000; 0.50% to $25,000; 0.10% $25,000+

ATM: Rebates up to $15 per month

Credit Card: Additional 0.5% cash back up to $15 per month on spending and $10 streaming subscription rebate

Loans & HELOCs: 0.25% cash back on minimum loan payment from other First Tech accounts up to $15 per month

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

There are no monthly maintenance fees with a First Tech Rewards Checking account. You also have surcharge-free access at nearly 30,000 CO-OP Network ATMs nationwide. Please see our Fee Schedule for information on other fees that may be applicable to the account.

Visit the First Tech website to start the application process and open an account.

First Tech Rewards Checking account rates and rewards are dependent on the account balance as long as the monthly account requirements are met. There is no minimum account balance to earn dividends. See the current rate sheet for dividend rate and APY.

First Tech requires no minimum balance for a First Tech Rewards Checking account.

There are three requirements for a First Tech Rewards Checking account:

  • Use your debit and/or credit card for a minimum of 20 purchases per month, with a minimum spend of $500
  • Have ACH deposits and/or withdrawals totaling at least $1,000 per month
  • Enroll in e-Statements

First Tech Rewards Checking is a checking account from First Tech Federal Credit Union that allows you to earn a higher dividend and rebates with greater account utilization.

The First Tech 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
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