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Upgrade to First Tech Rewards Checking®

Get the banking rewards you deserve

Move from Dividend Rewards Checking to First Tech Rewards Checking® and get more from your everyday banking. You’ll continue to enjoy no monthly maintenance fees, no minimum balance requirements, and access to our nationwide network of no-fee ATMs, plus you’ll unlock several additional benefits.

Click below and complete the form to convert to First Tech Rewards Checking.Qualification 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 or direct deposits totaling at least $1,000 per cycle (either multiple aggregate ACH or direct 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.

Get paid early with direct deposit

Simply set up direct deposit to your Rewards Checking account and access your pay up to
two days before your regular payday.With Early Direct Deposit, First Tech may make direct deposits made through the Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Direct Deposit. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Available for personal accounts only. See our Membership and Account Agreement for more details. To set up direct deposit, log in to your employer’s
payroll system or contact payroll and provide:

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First Tech’s routing number: 321180379


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Your current Dividend Rewards Checking account number (available in Digital Banking)

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The amount to direct deposit per pay period

Your new First Tech Rewards Checking account will use the same account number as your current Dividend Rewards Checking account. Set up direct deposit now and get early access to your pay when your account upgrades to Rewards Checking.

Earn more with your money

Upgrading to First Tech Rewards Checking replaces the tiered dividend structure of Dividend Rewards Checking with ability to earn a higher annual percentage yield (APY) on unlimited balances with First Tech Rewards Savings®.APY=Annual Percentage Yield. Rates effective as of June 1, 2026. Rate may change after the account is opened. Qualified APY is 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.
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Unlock next-level rewards

Meet the easy requirements for First Tech Rewards Checking®Qualification 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 or direct deposits totaling at least $1,000 per cycle (either multiple aggregate ACH or direct 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.
and amplify your rewards.

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1.00% cash back

on purchases with your First Tech credit cardRebates: 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.

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Cash back on loan payments

Earn cash back on First Tech loan paymentsRebates: 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.

Get the banking rewards you deserve with Rewards Checking.