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 08/01/2025. 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.
What would you do with $800?
Achieve your savings goals faster by taking advantage of these promotions:
Earn up to $300Qualified direct deposits of $1,000 to $5,000 per month must be received for a one-time $50 bonus; qualified direct deposits greater than $5,000 per month must be received for a one-time $300 bonus. The monthly aggregate amount of all qualifying direct deposits must meet or exceed the tier minimum for the corresponding tier bonus. New direct deposit must occur at least once per calendar month from the Participant’s employer payroll or approved government benefits provider (e.g., Social Security) into the FTRC account of which the Participant is the primary account owner. Direct deposits from any other source do not qualify. Direct deposits are considered new if there has been no direct deposit activity in the Participant's share accounts on which they are the primary owner within the previous 18 months. Non-direct deposits including, but not limited to, check deposits, wire transfers, transfers from another First Tech account, non-payroll ACH transfers, such as small business payments or owner distributions, transfers from another financial institution, person to person transfers, merchant transactions, and one-time bonus or tax reimbursements do not qualify. First Tech reserves the right to evaluate each account holder's Direct Deposit activity and Qualifying Deposits during each Enrollment Period at our sole discretion. To determine eligibility for bonuses, we may request additional documentation for verification. Any transactions that are not identified as direct deposits may be disqualified, and any applicable bonuses may be forfeited. Enrollment is the date of the initial direct deposit transaction. During the period of time commencing with Enrollment and ending 90 calendar days after Enrollment (“Enrollment Period”), at least one direct deposit transaction must occur each calendar month starting with the initial direct deposit transaction. A minimum of three direct deposit transactions must be received during the Enrollment Period. (EXAMPLE: If a member’s initial direct deposit is June 1, 2025, additional required direct deposits must occur at least once in each subsequent calendar month following the month in which the initial direct deposit is made, the last direct deposit must be received by August 31, 2025. Bonuses would be deposited by September 7, 2025.) Only the Participant will receive credit for the direct deposits. Any qualifying bonus will be deposited to the Participant’s Membership Savings account the first week following the Enrollment Period. Bonuses may be considered dividends and may be reported on the appropriate IRS form 1099.
When you set up direct deposit
OpenNew Direct Deposit Offer: Members who have received a promotional payout for a First Tech direct deposit campaign within the past 18 months are not eligible (“Participant”). Must be 18 years of age or older and the primary account owner on a First Tech Rewards Checking (“FTRC”) account to participate. Membership is required and is subject to approval. Fees could reduce earnings on the account. FTRC accounts must be personally owned accounts. Fiduciary, trust, business, or organization accounts are not eligible. Members will be enrolled in the promotion upon receipt of new direct deposit transaction into the FTRC account upon which they are the primary account owner (“Enrollment”). To receive any bonus payout, in addition to satisfying the payout conditions set forth in this disclosure, the Membership Savings account must be in good standing (not in default, closed, inactive, or otherwise not in good standing) during the period of time commencing with Enrollment and ending with the applicable date of payout. First Tech reserves the right to modify or terminate this campaign at any time. Any inquiries or disputes will be resolved at the sole discretion of First Tech and must be received no later than 180 days after enrollment. a Rewards Checking account and set up direct deposit for at least three months.
Earn up to $300<p><strong>Personal Eligibility:</strong></p> <p>Offer valid for new First Tech Rewards Checking (FTRC) accounts, either newly opened or converted by request. Participants must:</p> <ul> <li>Be 18+ and the primary owner of a personal FTRC account (excludes business, trust, fiduciary, and organization accounts).</li> <li>Not currently or previously a primary owner of a First Tech Rewards Savings (FTRS) account.</li> <li>Have First Tech membership (subject to approval).</li> </ul> <p><strong>Funds Eligibility:</strong></p> <ul> <li>Balance growth is based on the member’s total share account balances at the time of enrollment.</li> <li>Withdrawals or transfers may reduce eligibility.</li> <li>Funds must be deposited within 30 days of enrollment.</li> <li>From day 31 through day 120, the average daily balance across all share accounts must meet the bonus tier threshold.</li> <li>Maintain the FTRC and FTRS accounts in good standing from Enrollment through payout.</li> <li>Maintain a Membership Savings account in good standing from Enrollment through payout.</li> </ul> <p>First Tech may change or end the offer at any time. Disputes must be submitted within 180 days of enrollment.</p> <p><strong>Enrollment: </strong>The day the participant opens their first FTRS account. FTRS accounts must be opened within 45 days after the new FTRC opening or conversion.</p> <p><strong>Balance Growth Bonus: </strong>Eligible only for new external funds (not previously held at First Tech). Funds must be deposited into a personal FTRC, FTRS account or a combination. Bonuses are deposited to the Membership Savings account on the second Friday after the Qualification Period ends and may be reported on IRS Form 1099.</p> <p><strong>Bonus Tiers:</strong></p> <ul> <li><strong>$150</strong> for $10,000–$19,999 in new deposits.</li> <li><strong>$300</strong> for $20,000+ in new deposits.</li> </ul> <p><strong>Example: </strong>If a member enrolls on Jan 2, 2025, and had $100 in share accounts, they must deposit $10,000 by Feb 1 and maintain an average daily balance of at least $10,100 through May 2 to earn the $150 bonus.</p> <p><strong>Evaluation: </strong>First Tech may review account activity and request documentation to verify eligibility. Non-qualifying transactions may be excluded, and bonuses forfeited.</p>
When you move money to First Tech<p><strong>Personal Eligibility:</strong></p> <p>Offer valid for new First Tech Rewards Checking (FTRC) accounts, either newly opened or converted by request. Participants must:</p> <ul> <li>Be 18+ and the primary owner of a personal FTRC account (excludes business, trust, fiduciary, and organization accounts).</li> <li>Not currently or previously a primary owner of a First Tech Rewards Savings (FTRS) account.</li> <li>Have First Tech membership (subject to approval).</li> </ul> <p><strong>Funds Eligibility:</strong></p> <ul> <li>Balance growth is based on the member’s total share account balances at the time of enrollment.</li> <li>Withdrawals or transfers may reduce eligibility.</li> <li>Funds must be deposited within 30 days of enrollment.</li> <li>From day 31 through day 120, the average daily balance across all share accounts must meet the bonus tier threshold.</li> <li>Maintain the FTRC and FTRS accounts in good standing from Enrollment through payout.</li> <li>Maintain a Membership Savings account in good standing from Enrollment through payout.</li> </ul> <p>First Tech may change or end the offer at any time. Disputes must be submitted within 180 days of enrollment.</p> <p><strong>Enrollment: </strong>The day the participant opens their first FTRS account. FTRS accounts must be opened within 45 days after the new FTRC opening or conversion.</p> <p><strong>Balance Growth Bonus: </strong>Eligible only for new external funds (not previously held at First Tech). Funds must be deposited into a personal FTRC, FTRS account or a combination. Bonuses are deposited to the Membership Savings account on the second Friday after the Qualification Period ends and may be reported on IRS Form 1099.</p> <p><strong>Bonus Tiers:</strong></p> <ul> <li><strong>$150</strong> for $10,000–$19,999 in new deposits.</li> <li><strong>$300</strong> for $20,000+ in new deposits.</li> </ul> <p><strong>Example: </strong>If a member enrolls on Jan 2, 2025, and had $100 in share accounts, they must deposit $10,000 by Feb 1 and maintain an average daily balance of at least $10,100 through May 2 to earn the $150 bonus.</p> <p><strong>Evaluation: </strong>First Tech may review account activity and request documentation to verify eligibility. Non-qualifying transactions may be excluded, and bonuses forfeited.</p>
Increase your Rewards Checking or Savings balances and earn $150 for $10,000-$20,000 or $300 for over $20,000.
Earn up to $200<p><strong>Eligibility</strong></p> <p>Offer valid for new First Tech Rewards Checking (FTRC) accounts, either newly opened Participants must:</p> <ul style="margin-top: 0in; list-style-type: disc;"> <li>Be 18+ and the primary owner of a personal FTRC account (excludes business, trust, fiduciary, and organization accounts).</li> <li>Have First Tech membership (subject to approval).</li> <li>Not have received a First Tech debit spend bonus in the past 18 months.</li> <li>Maintain a Membership Savings account in good standing from enrollment through payout.</li> </ul> <p>First Tech may change or end the offer at any time. Disputes must be submitted within 90 days of enrollment and will be resolved at First Tech’s discretion.</p> <p><strong>Enrollment: </strong>The day a member makes their first point-of-sale (POS) transaction using a new debit card. Cards are considered new if they haven’t been previously issued, activated, hot-carded, or used. Members must not have made any POS transactions on any account as primary owner in the past 12 months.</p> <p><strong>Spending Bonus</strong></p> <ul style="margin-top: 0in; list-style-type: disc;"> <li>Participants earn 5% back on qualified debit card purchases, up to a $200 maximum bonus.</li> <li>Purchases of cash or cash equivalents, gambling chips, lottery tickets, traveler’s checks, or money orders are not eligible.</li> <li>Purchases must post to the FTRC account within 30 days of enrollment (“Qualification Period”). Excludes pending transactions.</li> <li>One Qualification Period per participant.</li> <li>Bonuses are deposited to the Membership Savings account on the first Friday after the month in which the Qualification Period ends.</li> </ul> <p><strong> Example:</strong> A member activates a new debit card on June 1, 2025, and makes their first purchase on June 4. All qualifying purchases must post by July 10, 2025.</p> <p><strong> Evaluation: </strong>To identify qualified purchases, we rely on information provided to us by the merchant. First Tech may review account activity and request documentation to verify eligibility. Non-qualifying transactions may be excluded, and bonuses forfeited.</p>
On everyday debit card purchases
Activate<p><strong>Eligibility</strong></p> <p>Offer valid for new First Tech Rewards Checking (FTRC) accounts, either newly opened Participants must:</p> <ul style="margin-top: 0in; list-style-type: disc;"> <li>Be 18+ and the primary owner of a personal FTRC account (excludes business, trust, fiduciary, and organization accounts).</li> <li>Have First Tech membership (subject to approval).</li> <li>Not have received a First Tech debit spend bonus in the past 18 months.</li> <li>Maintain a Membership Savings account in good standing from enrollment through payout.</li> </ul> <p>First Tech may change or end the offer at any time. Disputes must be submitted within 90 days of enrollment and will be resolved at First Tech’s discretion.</p> <p><strong>Enrollment: </strong>The day a member makes their first point-of-sale (POS) transaction using a new debit card. Cards are considered new if they haven’t been previously issued, activated, hot-carded, or used. Members must not have made any POS transactions on any account as primary owner in the past 12 months.</p> <p><strong>Spending Bonus</strong></p> <ul style="margin-top: 0in; list-style-type: disc;"> <li>Participants earn 5% back on qualified debit card purchases, up to a $200 maximum bonus.</li> <li>Purchases of cash or cash equivalents, gambling chips, lottery tickets, traveler’s checks, or money orders are not eligible.</li> <li>Purchases must post to the FTRC account within 30 days of enrollment (“Qualification Period”). Excludes pending transactions.</li> <li>One Qualification Period per participant.</li> <li>Bonuses are deposited to the Membership Savings account on the first Friday after the month in which the Qualification Period ends.</li> </ul> <p><strong> Example:</strong> A member activates a new debit card on June 1, 2025, and makes their first purchase on June 4. All qualifying purchases must post by July 10, 2025.</p> <p><strong> Evaluation: </strong>To identify qualified purchases, we rely on information provided to us by the merchant. First Tech may review account activity and request documentation to verify eligibility. Non-qualifying transactions may be excluded, and bonuses forfeited.</p> your new First Tech debit card and earn 5% cash back (up to $200) on everyday purchases.
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. |
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Minimum monthly card spend of $1,000 and Monthly direct deposit/ACH of $1,000+ and Enrollment in paperless statements |
9x the national average in savings account dividends and 1.00% cash back on credit card spending and 0.50% cash back on minimum loan payments |
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