Skip to main content
First Tech Routing #321180379

Checking Frequently Asked Questions

At First Tech, we offer a variety of checking accounts  designed to support your everyday banking needs—whether you're managing personal finances, running a business, or helping a young member get started.

Here’s a quick overview of our checking options:

🔹 Rewards Checking

Earn more with our Rewards Checking, perfectly paired with a Rewards Savings account. Enjoy competitive returns and easy access to your funds.

🔹 Premier Rewards Checking

Designed for members with eligible balances, this account offers enhanced benefits and exclusive features for those seeking a premium banking experience.

🔹 Business Dividend Checking

Ideal for small businesses, this account earns dividends while providing the flexibility and tools you need to manage your business finances.

🔹 Start Up Checking

A great first account for kids and teens. Help your child build financial confidence with tools tailored for early money management.

🔹 Trust Accounts

Secure and manage assets with confidence. Our trust accounts are built to protect your legacy and provide peace of mind for your beneficiaries.

Each account is backed by First Tech’s commitment to security, convenience, and member-first service.


 Open a checking account online

personal checking account at First Tech gives you convenient, secure access to your money—anytime, anywhere. It’s designed to support your everyday financial needs with flexibility and ease.

Key Features:

  • Effortless Transactions: Use your debit carddigital wallet, or ATM to make purchases and manage your funds.
  • Direct Deposit: Get paid faster with automatic deposits from your employer or other sources.
  • Online & Mobile Banking: Monitor your balance, pay bills, and transfer funds—24/7 from any device.
  • Overdraft Protection: Optional coverage to help avoid declined transactions (fees may apply).
  • Detailed Records:  Easily track your spending with clear transaction history and statements.

All First Tech checking accounts are federally insured by the NCUA  up to $250,000, giving you peace of mind while you bank with confidence.

Open a checking account online

Ordering checks is simple and secure.

To place your first order:  Please contact us directly so we can help you set up your initial check order with the correct account details.

To reorder checks with the same information:  You can do this easily through Digital Banking:

  1. Log in using a web browser and navigate to: Services Check Services.
  2. Click Order Checks.
  3. Select your account and click Next.
  4. Review the disclaimer and click Order Checks again.
  5. A secure website will open in a new tab.
  6. Browse and personalize your check design.
  7. Preview your order and review the cost.
  8. Submit your order.

We’re here to make everyday banking easy, flexible, and member-first—so you can focus on what matters most.

 Log in to Digital Banking

Your Available Balance is the amount of money you can use right now for purchases, withdrawals, or transfers. It may differ from your Current Balance due to:

  • Pending transactions (e.g., debit card purchases that haven’t cleared yet)
  • Holds on deposits (e.g., check deposits that are still processing)
  • Authorized payments that haven’t posted yet

This helps ensure your account reflects real-time activity and protects you from overdrafts. For more details on how this works—including examples—check out our overdraft fee FAQs.

Get instant access to cash with a First Tech Personal Line of Credit—plus overdraft protection when you need it most.

To protect your account and ensure the check clears properly, First Tech may place a temporary hold on deposited funds. This is a standard practice that helps verify the check and prevent fraud.

Reasons a check may be held include:

  • The check amount is unusually large
  • The check is from a new or unfamiliar source
  • Your account is newly opened or has limited history
  • The check type requires additional verification

Hold Duration:

  • Most holds are cleared within two business days
  • If a hold lasts longer, we’ll provide a notice with details about the hold and expected release date

We’re committed to keeping your funds secure while making your banking experience smooth and transparent.

 Learn more about deposit holds and availability

To earn the higher yield  on your First Tech Rewards Savings account, you’ll need to meet a few simple monthly requirements through your Rewards Checking  account:

Monthly Requirements:

  • Spend at least $1,000 using your First Tech debit or credit card
  • Receive $1,000 or more in direct deposits or ACH transfers
  • Be enrolled in paperless statements

When you qualify, you’ll enjoy:

  • High yields on all Rewards Savings balances
  • 1.00% cash back on credit card purchases (up to $30/month)
  • 0.50% cash back on minimum loan payments (up to $15/month)

To check your qualification status:

  • Log in to Digital Banking
  • Go to Services > Rewards Checking to view your current eligibility and benefits

Learn more about Rewards Checking and Savings
Log in to Digital Banking

Opening a First Tech Rewards Checking account is simple and affordable.

  • The minimum deposit to open the account is just $10.
  • You’ll also need a $5 deposit to open your Membership Savings account, which establishes your membership with First Tech.

Together, these accounts give you access to exclusive benefits like high-yield savingscash back rewards, and member-first service—all backed by the security of NCUA insurance.

 Learn more about Rewards Checking
Open your account online