First Tech Rewards Checking & Savings
High-yield accounts that give you more cash back
- Earn up to 3.50% Annual Percentage Yield (APY)3.50% Rates effective as of 12/01/2024 . Rate may change after the account is opened. Qualified APY for the First Tech Rewards Checking (FTRC) is 3.50% on the first $15,000 and 0.05% on remaining balance; Non-Qualified APY is 0.00% on all balances. $25 minimum opening deposit. Qualified APY for the First Tech Rewards Savings (FTRS) is 3.50% on the first $25,000 and 0.05% on remaining balance; Non-Qualified APY is 0.01% on all balances. $25 minimum opening deposit. Membership Savings has a 0.01% APY. Terms and conditions apply. Fees could reduce the earnings on the account. Membership is required and subject to approval.
- Get cash back on credit card spending, and moreMaximum rebate total is $660 per year. As of 4.30.2022, calculated average rebate total for First Tech Rewards Checking is $305 per year; calculated average rebate total for Dividend Rewards Checking is $74 per year. Rebate determination is based on accounts meeting monthly qualifications for twelve consecutive months and earning rebates each month in all available categories for the specific product. Actual rebates may differ and are based on utilization of accounts.
Reap the benefits.
Qualify withQualification Requirements Per Monthly Cycle: To qualify, you must meet all the following qualification requirements: a. Have a combined total of at least twenty (20) qualifying transactions with an aggregate spend of at least $500 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 and/or withdrawals totaling at least $1,000 per cycle (either multiple aggregate ACH's equal to $1,000 or one $1,000 ACH) to the First Tech Rewards Checking account. c. Enrollment in electronic statements and notices for the primary account owner. All qualification requirements 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 31. At least twenty (20) debit and/or credit card purchases must post to your account by January 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 getQualification Requirements Per Monthly Cycle: To qualify, you must meet all the following qualification requirements: a. Have a combined total of at least twenty (20) qualifying transactions with an aggregate spend of at least $500 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 and/or withdrawals totaling at least $1,000 per cycle (either multiple aggregate ACH's equal to $1,000 or one $1,000 ACH) to the First Tech Rewards Checking account. c. Enrollment in electronic statements and notices for the primary account owner. All qualification requirements 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 31. At least twenty (20) debit and/or credit card purchases must post to your account by January 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. |
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 Earn up to 3.50% Annual Percentage Yield (APY)3.50% APYRates effective as of 12/01/2024 . Rate may change after the account is opened. Qualified APY for the First Tech Rewards Checking (FTRC) is 3.50% on the first $15,000 and 0.05% on remaining balance; Non-Qualified APY is 0.00% on all balances. $25 minimum opening deposit. Qualified APY for the First Tech Rewards Savings (FTRS) is 3.50% on the first $25,000 and 0.05% on remaining balance; Non-Qualified APY is 0.01% on all balances. $25 minimum opening deposit. Membership Savings has a 0.01% APY. Terms and conditions apply. Fees could reduce the earnings on the account. Membership is required and subject to approval. up to $15,000; Earn up to 0.05% Annual Percentage Yield (APY)0.05% $15,000.01+ Savings: Rate of Earn up to 3.50% Annual Percentage Yield (APY)3.50% APYRates effective as of 12/01/2024 . Rate may change after the account is opened. Qualified APY for the First Tech Rewards Checking (FTRC) is 3.50% on the first $15,000 and 0.05% on remaining balance; Non-Qualified APY is 0.00% on all balances. $25 minimum opening deposit. Qualified APY for the First Tech Rewards Savings (FTRS) is 3.50% on the first $25,000 and 0.05% on remaining balance; Non-Qualified APY is 0.01% on all balances. $25 minimum opening deposit. Membership Savings has a 0.01% APY. Terms and conditions apply. Fees could reduce the earnings on the account. Membership is required and subject to approval. up to $25,000; Earn up to 0.05% Annual Percentage Yield (APY)0.05% $25,000.01+ ATM: Rebates up to $15 per month Credit Card: Additional 0.50% 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 |
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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
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