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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

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First Tech Federal Credit Union Dividend Rewards Checking

Unaffiliated

in Checking Accounts from First Technology Federal Credit Union

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Highlights
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Monthly Fee $0
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee $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 2 states across the USA.

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 maintenance fee.
  • Small minimum initial deposit. You only need $1 to open an account.
  • No ATM fees. First Tech Federal Credit Union Dividend Rewards Checking does not charge fees on ATM transactions.
  • Free bill pay. Pay your bills to practically anyone in the United States through First Technology Federal Credit Union.
  • Hard credit pull. First Technology Federal Credit Union may require a hard pull on your credit report to open a checking account.
First Tech Federal Credit Union Dividend Rewards Checking Pros & Cons
Pros Cons
  • High-interest yield.
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Not FDIC-insured.
  • Only available in 2 states.
  • Higher than average wire transfer fees.
First Tech Federal Credit Union Dividend Rewards Checking 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 person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. 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 Dividend Rewards Checking offer?

First Tech Federal Credit Union Dividend Rewards Checking 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 Dividend Rewards Checking Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) 0.05% - 1.5%

What are the account minimums for First Tech Federal Credit Union Dividend Rewards Checking?

First Tech Federal Credit Union Dividend Rewards Checking requires a minimum initial deposit of $1 to open an account.

First Tech Federal Credit Union Dividend Rewards Checking Account Minimums
Description Amount
Minimum Initial Deposit $1

What fees does First Tech Federal Credit Union Dividend Rewards Checking 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
Monthly Fee $0
Paper Statement Fee $3
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $0
NSF Fee $28
Overdraft Protection Fee (per transfer) $4
Overdraft Item Fee $28
Early Account Closure $0
Returned Deposit Fee (Domestic) $10
Debit Card Replacement Fee $0
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee $0
Stop Payment Fee $20
Check Image Service N/A
Check Copy $2
Foreign Transaction Fee (Debit Card) 1%
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Outgoing) $40
Wire Transfer Fee - International (Incoming) $0
Returned Deposit Fee (International) $10
Wire Transfer Fee - Domestic (Incoming) $0
ATM Reimbursement Monthly Limit N/A

What features and perks does First Tech Federal Credit Union Dividend Rewards Checking offer?

This account includes the following features:

  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - First Tech Federal Credit Union Dividend Rewards Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 2 states
  • California
  • Oregon

Feature Breakdown

APY Minimum Balance $0
Minimum Initial Deposit $1
Minimum Balance to Avoid Monthly Fee $0
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Monthly Fee $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
ATM Fee: Out-of-Network $0
Check Copy $2
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $28
Overdraft Item Fee $28
Overdraft Protection Fee (per transfer) $4
Paper Statement Fee $3
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Outgoing) $40
Bank Account Features
  • No ATM Fees
  • IRAs
  • Branch Access
  • NCUA Member
  • Bauer Financial A+/A Rating
  • Debit Card
  • Free Bill Pay
  • Mobile Banking
  • Nationwide ATM Network
  • Interest Bearing Account
  • No Monthly Maintenance Fee
  • Mobile Check Deposit
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

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-100% 0% +100%
No one recommends Everyone recommends

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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