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Keep more of your money

Discover banking with no monthly fees or hidden charges
Open rewards checking
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Man and dog on yoga mat

Upgrade everyday banking with First Tech Rewards Checking®

No fee calendar
No monthly fees

No maintenance fees or hidden charges.

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No overdraft fees¹

No extra fee if your balance goes below $0. A $0 overdraft fee means you won’t be charged a fee when we pay an eligible overdraft. Overdraft services may be available for checks, ACH transactions, and recurring debit card transactions. Any overdraft balance is due immediately. We pay overdrafts at our discretion and may decline to pay an overdraft if your account is not eligible, limits are exceeded, or for other reasons under our Overdraft Policy. See the Overdraft Policy Disclosure for complete details.

No fee ATM
No-fee ATM access

Access 30,000+ CO-OP ATMs nationwide.

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Unlock next-level rewards with three easy steps²
Qualification Requirements Per Monthly Cycle: To qualify, you must meet all of the following qualification requirements: <ol style="list-style-type: lower-alpha;"> <li> <p>Have an aggregate spend of at least $1,000 per month posted to the applicable accounts. Qualifying transactions include:</p> <ol style="list-style-type: lower-roman;"> <li> <p>Posted debit card purchases to the First Tech Rewards Checking account.</p> </li> <li> <p>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. </p> </li> </ol> </li> <li> <p>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. </p> </li> <li> <p>Enrollment in electronic statements and electronic disclosures and notices for the primary account owner.</p> </li> </ol> 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.
  • Number 1
    Receive $1,000+/month in ACH or direct deposits into Rewards Checking
  • Number 2
    Spend $1,000+/month with your First Tech debit or credit card
  • Number 3
    Enroll in paperless statements

Level up your rewards with First Tech credit cards and loans Score extra cash back when you combine other First Tech banking products.

Earn cash back on purchases
Extra 1% cash back on purchases³

Rebates: 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 1% cash back on purchases with your First Tech credit card—on top of rewards your credit card may offer.Refer to your credit card agreement for details.

Cash back on loan payments
Cash back on loan payments³

Set up autopay for the minimum monthly payment on your First Tech mortgage, loan or HELOC to earn 0.50% cash back.

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More savings. Less fine print.

Amplify your earnings

Open a First Tech Rewards Savings® account for over 7x the national average APY on unlimited savings balances.APY = Annual Percentage Yield. Rates effective as of 10/01/2026. Rate may change after the account is opened. $25 minimum opening deposit. Fees could reduce earnings on the account. Membership is required and subject to approval.

Open Rewards Savings

Putting members first in every community we serve.

Because you deserve the best
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Forbes 2026 Best-In-State Credit Unions Award

Frequently Asked Questions

No, members do not need to have both a Rewards Checking and Rewards Savings account to qualify to earn next-level rewards and rates. You can choose to have either account on its own and receive its benefits. 

Simply log into your First Tech online banking and navigate to “Open an Account.” From there, select Rewards Checking and follow the prompts to complete your application.

No. 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.

Don't see your answer? Click here for more.

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