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  First Tech Federal Credit Union Dividend Rewards Checking

First Tech Federal Credit Union Dividend Rewards Checking

in Checking Accounts from First Technology Federal Credit Union · ncua

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First Tech Federal Credit Union Dividend Rewards Checking

Unaffiliated

in Checking Accounts from First Technology Federal Credit Union · Insured by NCUA

Net Recommendation Score 0

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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Monthly Fee $0
ATM Fee: Out-of-Network $2
Minimum Balance to Avoid Monthly Fee Starting at $0
APY (Annual Percentage Yield) 0.05% - 1.5%

First Tech Federal Credit Union Dividend Rewards Checking Review

First Tech Federal Credit Union Dividend Rewards Checking is offered by First Technology Federal Credit Union, a credit union founded in 2012 and based in Cupertino, CA. First Tech Federal Credit Union Dividend Rewards Checking is available in 50 states (and Washington, DC).

Key Takeaways
  • Very high APY. This account offers an annual percentage yield of up to 1.5%, which is much higher than the average for a checking account.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • Small minimum initial deposit. You only need $10 to open an account.
  • ATM fee reimbursements. This account will reimburse you for ATM fees (see terms and conditions for details).
  • Bill pay. Pay your bills to practically anyone in the United States through First Technology Federal Credit Union.
First Tech Federal Credit Union checking account Pros & Cons
Pros Cons
  • Available in all 50 states.
  • High-interest yield.
  • Insured by NCUA.
  • Access to physical branches.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Not FDIC-insured.
  • Higher than average wire transfer fees.
  • Charges a higher than average fee on out-of-network ATM transactions.
First Tech Federal Credit Union checking account FAQ

Are checking accounts from First Technology Federal Credit Union federally insured?

Yes, your First Technology Federal Credit Union checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does First Tech Federal Credit Union checking account offer?

First Tech Federal Credit Union checking account offers an APY starting at 0.05% and ranging up to 1.5% (APY stands for annual percentage yield, rates may change).

First Tech Federal Credit Union checking account Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.05% - 1.5%

What are the account minimums for First Tech Federal Credit Union checking account?

First Tech Federal Credit Union checking account requires a minimum initial deposit of $10 to open an account.

First Tech Federal Credit Union Dividend Rewards Checking Minimums
Description
APY Minimum Balance $0
Minimum Opening Deposit Starting at $10
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does First Tech Federal Credit Union checking account charge?

The good news is that this account does not have a monthly Service Charge.

First Tech Federal Credit Union Dividend Rewards Checking Fees
Description
ATM Fee: In-Network $0
Check Copy $2
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0
NSF Fee $28
Online Bill Pay Fee $0
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $3
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Incoming) $5
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $5
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $2

Does First Tech Federal Credit Union checking account charge overdraft fees?

Yes, First Tech Federal Credit Union checking account charges a $33 fee for every overdraft.

What features and perks does First Tech Federal Credit Union checking account offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for any domestic ATM fees.
  • Fraud monitoring - First Tech Federal Credit Union checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - First Tech Federal Credit Union checking account allows you to manage your money online or with a mobile app.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for First Tech Federal Credit Union checking account?

The customer support email for First Tech Federal Credit Union checking account is memberservice@firsttechfed.com.

How do people rate the customer service and user experience of First Tech Federal Credit Union checking account?

Overall, First Tech Federal Credit Union checking account is mostly recommended based on community reviews that rate customer service and user experience.

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Message From First Tech Federal Credit Union Dividend Rewards Checking

Pick the right account that fits your needs. We have a range of checking account options to fit your life. Our checking accounts are more than just access to your money, whenever and however you need it. They also help you earn rewards, as well as track savings and expenses to elevate your financial life. Start exploring your options now. The Dividend Rewards Checking is a tiered rate account. 

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

APY Minimum Balance $0
Minimum Opening Deposit Starting at $10
Minimum Balance to Avoid Monthly Fee Starting at $0
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Monthly Fee $0
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
Check Copy $2
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $28
Overdraft Item Fee $33
Paper Statement Fee $3
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Incoming) $5
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $5
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $2
Account Features
  • Free Bill Pay
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Insured by NCUA
  • Branch Access
APY (Annual Percentage Yield) 0.05% - 1.5%

First Tech Federal Credit Union Dividend Rewards Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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