Rewards Checking & Savings Accounts

Earn up to $300 each year with First Tech Rewards Checking® plus Earn up to 3.00% Annual Percentage Yield (APY)3.00% APYAPY=Annual Percentage Yield. Rates effective as of 10/01/2025. 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. For a limited time, earn up to $800* bonus cash.

Open First Tech Rewards Checking

First Tech Rewards Checking & Savings

Earn up to $800* in bonuses

Ready to boost your savings? Open or convert your first Rewards Checking and Savings account—and you’re on your way to unlocking three limited-time offers. *Refer to disclosures 2, 3, 4, & 5 for details

Use your card

Activate and use your digital or physical Debit Card within 30 days of opening or converting your account.
Enjoy 5% cash back on qualifying purchases made for 30 days after first use.

Set up Direct Deposit

Set up a direct deposit of $1,000+ from your employer or a government agency to your Rewards Checking within 60 days of opening or converting.
Maintain that balance for 3 consecutive months.

Deposit New Money

Move $10,000+ from another institution into your Rewards Savings within 30 days of opening or converting.
Maintain the balance growth in your accounts for 90 days.

Here’s how to get up to $800

Use your debit card: up to $200
Set up recurring Direct Deposit and earn up to $300 ($1,000 DD=$50, $5,000 DD=$300)
Move money to First Tech and earn up to $300 ($10,000=$150, $20,000=$300)

*Your one-time promotional bonuses for each promotion will be deposited into your Membership Savings 1-2 weeks after you qualify.

Qualify with Rewards Checking
and earn more each month

A credit union checking account and high yield savings account are a great way to earn more.

We’ve simplified the ways you can earn bonus cash and other benefits with First Tech Rewards Checking® and Savings:

Qualify withQualification Requirements Per Monthly Cycle: To qualify, you must meet all of the following qualification requirements: 1. Have an aggregate spend of at least $1000 per month posted to the applicable accounts. Qualifying transactions include: 1. Posted debit card purchases to the First Tech Rewards Checking account. 2. 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. 2. 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. 3. 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.

You can getRebates: 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.

Minimum monthly card spend of $1,000

and

Monthly direct deposit/ACH of $1,000+

and

Enrollment in paperless statements

3.00% APYAPY=Annual Percentage Yield. Rates effective as of 10/01/2025. 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 (that's 9x the national savings rate)

and

1.00% cash back on credit card spending

and

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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