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First Tech Routing #321180379

Upgrade your account for even greater rewards

Earn up to $163 per month on dividends from your checking and savings aloneLimit: You are limited to one (1) First Tech Rewards Checking® Account or one (1) Dividend Rewards Checking Account per primary account owner..
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We know our Dividend Rewards Checking is good (and you may think so too), but we wanted to enhance your member value by creating the best accounts we’ve ever offered. says we hit the mark and awarded the First Tech Rewards Checking®Eligibility: Account must be a personal account. Trust, Business, and Organization accounts are not eligible. The First Tech Rewards Savings® account requires a corresponding First Tech Rewards Checking® account. The primary account owner of the First Tech Rewards Savings® account must be the same as that listed on the First Tech Rewards Checking® account. and First Tech Rewards Savings® accounts their 2023-2024 Best Checking and Savings Combo award. When we win, you win too.

Why upgrade?

  • An industry-leading 5.00% Annual Percentage Yield (APY)APY = Annual Percentage Yield. Rates effective as of February 19, 2024, and are subject to change at any time. Membership Savings has a 0.05% APY. First Tech Rewards Checking® (FTRC) Qualified APY is 5.00% on the first $15,000 and 0.10% on remaining balance; FTRC Non-Qualified APY is 0.01% on all balances. First Tech Rewards Savings® (FTRS) Qualified APY is 5.00% on the first $25,000 and 0.10% on remaining balance; FTRS Non-Qualified APY is 0.01% on all balances. Terms and conditions apply. Fees could reduce earnings on the account. Truth in Savings for additional information, including the dividend rate and APY. You may also obtain current rate information by calling the Credit Union or visiting our website. Membership is required and subject to approval. up to $15,000
  • ATM fee rebates up to $15 per month
  • Additional 0.50% cash back on your First Tech credit card up to $15 per month
  • Get 0.25% cash back on minimum payments to a First Tech auto or personal loan up to $15 per month
  • Access to the First Tech Rewards Savings® account paying 5.00% APY up to $25,000
  • Receive a $300 bonusOffer valid for enrollment between 02.01.2024 and 06.30.2024 for members without an existing direct deposit. Members with existing direct deposits are not eligible. Participant is defined as 18 years of age or older and the primary account owner on the eligible share accounts. Direct deposits are considered new if there has been no direct deposit activity in the Participant's eligible share accounts within the previous 18 months. Membership is required and is subject to approval. Fees could reduce earnings on the account. Share accounts must be personal accounts. Fiduciary, trust, business, organization, or Health Savings accounts are not eligible. Participant can be enrolled in the promotion by entering the promotion code 2024BONUS on a new checking or savings account application, by speaking with a representative, or by submitting the enrollment form provided via email (“Enrollment”). In order 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. Any inquiries or disputes must be received by 01.31.2025.  when you set up a new direct depositNew Direct Deposit Offer: New direct deposit must occur at least once per calendar month from the Participant’s employer payroll into any account of which the Participant is the primary account owner. Direct deposits from a non-employer payroll source do not qualify. The monthly aggregate amount of all qualifying direct deposits must equal to at least $1,000 to earn the $300 bonus. Initial direct deposit transaction must take place within 60 calendar days of Enrollment. During the period of time commencing with Enrollment and ending 120 calendar days after Enrollment (“Enrollment Period”), at least one direct deposit transaction must occur each calendar month for a minimum of three months. (EX. If a member’s Enrollment is 03.01.2024, first direct deposit transaction must occur by 04.30.2024, with additional required direct deposits occurring at least once in each subsequent calendar month following the month in which the initial direct deposit is made. Last direct deposit must be received by 06.29.2024.) 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 will be considered dividends and may be reported on IRS form 1099-INT. from your employer
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  • No minimum balance requirements
  • No monthly maintenance fees
  • Surcharge-free access to 30,000 Co-Op ATMs and more than 5,000 Co-Op Shared Branches
  • NCUA insurance up to $250,000

Ready to take action?

We make it simple to request an upgrade, just log in to online banking and complete a quick form. One of our Representatives will make the change for you within three business days, and we’ll send a confirmation email.


If you have questions, our friendly representatives are ready to help you get even more out of your money. Schedule a virtual appointment and we can help get your new First Tech Rewards Checking® account set up fast. You may also schedule an in-branch appointment.

Think of it as a thank you for your membership and continued support. All you have to do to qualify for rewards is:

Enroll in electronic statements

Set up monthly direct deposit/ACH of $1,000 or more

Complete 20 debit and credit card transactions with a monthly minimum spend of $500

Frequently asked questions.

If you’re enrolled in Digital Banking, you can request an upgrade in less than a minute using our online form. Or you can schedule a virtual appointment with us to ask any questions over the phone and a First Tech Representative can upgrade your account to a First Tech Rewards Checking®.

Our Representatives will upgrade your account within three days of submitting the online form. When you schedule a virtual appointment, our Representative can get your new account opened while you talk on the phone. You’ll be ready to qualify for rewards right away.

No, all the info for your Payees will remain and automated payments will continue to be processed as scheduled.

You won’t need a new debit card upon upgrade and your current card will continue to work as normal.

It’s as simple as qualifying for the higher rate on your First Tech Rewards Checking® account. A two-for-one sort of deal.

You won’t need to update or transfer your direct deposit because all account numbers remain the same.

The Dividend Rewards Checking account is no longer offered. We’re unable to open new Dividend Rewards Checking accounts or switch you back into an old Dividend Rewards Checking.