Offer value details
First Tech describes Rewards Checking and Savings as a combined rewards program with no monthly checking maintenance fee listed, no minimum balance requirement, CO-OP ATM access, qualified Rewards Savings APY, cash-back/rebate features, and membership/account approval requirements.
Qualification requirements
For each monthly cycle after the first automatic qualifying cycle, First Tech says users must have at least $1,000 in posted debit-card purchases to Rewards Checking or posted purchases on an eligible First Tech credit card with the same primary account owner, at least $1,000 in ACH or direct deposits to Rewards Checking, and enrollment in electronic statements, disclosures, and notices.
Fees and costs
First Tech lists no monthly fees, no maintenance fees, and no minimum balance requirement for Rewards Checking. The APY disclosure says fees could reduce earnings on Rewards Savings, so current account terms and fee disclosures should still be reviewed before opening.
Availability
First Tech membership and account approval are required. The official page says the credit union is federally insured by the National Credit Union Administration and that First Technology Federal Credit Union operates as First Tech Federal Credit Union after its merger with Digital Federal Credit Union.
What to verify
- The 3.00% qualified Rewards Savings APY requires recurring monthly checking activity after the first monthly cycle.
- The nonqualified Rewards Savings APY is listed at 0.01%.
- Monthly qualification combines deposit, spend, and electronic-document requirements.
- Cash-back and ATM-rebate benefits have listed monthly caps and same-primary-owner requirements.
- Debit and credit-card purchases may take several days to post, which can affect monthly qualification timing.
Confirm current provider terms
Rates, rewards, fees, qualification rules, eligibility, and deadlines can change. Review the provider terms before applying.