Answers to your questions, faster What are you looking for? First Tech Rewards Checking & Savings Raise your banking game with Rewards Checking and Savings Qualification Requirements Per Monthly Cycle: To qualify, you must meet all of the following qualification requirements: a. Have an aggregate spend of at least $1,000 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 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. c. 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. Raise your banking game with Rewards Checking and Savings Qualification Requirements Per Monthly Cycle: To qualify, you must meet all of the following qualification requirements: a. Have an aggregate spend of at least $1,000 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 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. c. 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. Start with First Tech Rewards Checking® Start with First Tech Rewards Checking® No maintenance fees or hidden charges. No balance threshold to worry about. Access 30,000+ CO-OP ATMs. 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. Unlock next-level rewards and rates in three steps Qualification Requirements Per Monthly Cycle: To qualify, you must meet all of the following qualification requirements: a. Have an aggregate spend of at least $1,000 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 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. c. 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. Unlock next-level rewards and rates in three steps Qualification Requirements Per Monthly Cycle: To qualify, you must meet all of the following qualification requirements: a. Have an aggregate spend of at least $1,000 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 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. c. 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. Receive $1,000+/month in ACH or direct deposits into Rewards Checking Receive $1,000+/month in ACH or direct deposits into Rewards Checking Spend $1,000+/month with your First Tech debit or credit card Spend $1,000+/month with your First Tech debit or credit card Enroll in paperless statements Enroll in paperless statements How many rewards can you score? How many rewards can you score? Check out these examples: Example monthly rewards amounts based on the following: Level 1: $4,000 Rewards Savings account balance @ 3.00% APY; 50% usage of $10 monthly maximum ATM fee rebate. Level 2: $12,000 Rewards Savings account balance @ 3.00% APY; 1% cash back on $1,500 spend per month on First Tech credit card; 50% usage of $10 monthly maximum ATM fee rebate. Level 3: $24,000 Rewards Savings account balance @ 3.00% APY; 1% cash back on $1,200 spend per month on First Tech credit card; 0.5% cash back on $538 minimum loan payment. Rewards amounts may increase or decrease based on member activities performed and balance level maintained. Check out these examples: Example monthly rewards amounts based on the following: Level 1: $4,000 Rewards Savings account balance @ 3.00% APY; 50% usage of $10 monthly maximum ATM fee rebate. Level 2: $12,000 Rewards Savings account balance @ 3.00% APY; 1% cash back on $1,500 spend per month on First Tech credit card; 50% usage of $10 monthly maximum ATM fee rebate. Level 3: $24,000 Rewards Savings account balance @ 3.00% APY; 1% cash back on $1,200 spend per month on First Tech credit card; 0.5% cash back on $538 minimum loan payment. Rewards amounts may increase or decrease based on member activities performed and balance level maintained. Avg. Rewards Savings balance: $4,000 Avg. ATM Rebates: $5/mo.

Monthly rewards and earnings: $15 Annual rewards and earnings: Avg. Rewards Savings balance: $12,000 Avg. FT credit card spending: $1,500/mo . Avg. ATM Rebates: $5/mo . Monthly rewards and earnings: $50 Annual rewards and earnings: Monthly rewards and earnings: $75 Annual rewards and earnings: Amplify your earnings Combine Rewards Checking and Savings for boosted APY on unlimited savings balances. APY=Annual Percentage Yield. Rates effective as of 09/01/2026 . Rate may change after the account is opened. Qualified APY is 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. Level up your rewards with First Tech credit cards and loans Level up your rewards with First Tech credit cards and loans Score extra cash back when you combine other First Tech banking products. Score extra cash back when you combine other First Tech banking products. Extra 1% cash back on purchases 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. Cash back on loan payments 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. Choose your own rewards adventure Choose your own rewards adventure Putting members first in every community we serve Putting members first in every community we serve Because you deserve the best Frequently Asked Questions You’re leaving firsttechfed.com and entering a website that First Tech does not control. Payments made through ACI Payments, Inc. are processed by ACI Payments, Inc. and credited to your account at First Tech. All associated fees are charged by ACI Payments, Inc. We have provided this link for your convenience, but we’re not responsible for the content, links, or the privacy or security policies of this website. You’re leaving First Tech’s website and being directed to a third-party website to complete your mortgage application. This website will require you to create a new username and password, which will be different than your First Tech digital banking username and password.