
Best Of Product
First Tech Rewards Checking®
Would you recommend First Tech Rewards Checking® to your friends?
Community Rating |
Rating not yet determined |
Cashback Rewards | N/A |
APY (Annual Percentage Yield) |
4.00% (Verified 03/17/2023)
|
Monthly Fee |
$0 (Verified 03/16/2023)
|
Minimum Balance to Avoid Monthly Fee | Starting at $0 |
First Tech Rewards Checking® Review
First Tech Rewards Checking® is offered by First Tech, a credit union founded in 1952 and based in San Jose, CA. First Tech Rewards Checking® are available in 50 states (and Washington, DC).
Key Takeaways
- Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 4.00%, which is much higher than the average for a checking account.
- $0 monthly fee. This account does not charge any monthly account fees.
- Small minimum initial deposit. You only need $10 to open an account.
- ATM fee rebates. 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 Tech Federal Credit Union.
First Tech Rewards Checking® Pros & Cons
Pros | Cons |
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First Tech Rewards Checking® FAQ
Are checking accounts from First Tech Federal Credit Union federally insured?
Yes, your 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 Rewards Checking® offer?
Description | |
---|---|
APY (Annual Percentage Yield) | 4.00% |
First Tech Rewards Checking® offers an APY of 4.00% (APY stands for annual percentage yield, rates may change). This is higher than the typical APY for online-only checking accounts, which is around 1% APY.
What are the account minimums for First Tech Rewards Checking®?
First Tech Rewards Checking® requires a minimum initial deposit of $10 to open an account.
Description | |
---|---|
Minimum Opening Deposit | Starting at $10 |
Minimum Balance to Avoid Monthly Fee | Starting at $0 |
Minimum Balance to Earn APY | $0 |
What fees does First Tech Rewards Checking® charge?
The good news is that this account does not have a monthly Service Charge.
Description | |
---|---|
Monthly Fee | $0 |
ATM Fee: In-Network | $0 |
ATM Fee: Out-of-Network | Starting at $2 |
Foreign Transaction Fee (Debit Card) | 1% |
NSF Fee | $28 |
Overdraft Item Fee | $33 |
Overdraft Protection Fee (per transfer) | $0 |
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 |
Paper Statement Fee | $3 |
Online Bill Pay Fee | $0 |
Check Copy | $2 |
Debit Card Replacement Fee | $0 |
Early Account Closure | $0 |
Does First Tech Rewards Checking® charge overdraft fees?
Yes, First Tech Rewards Checking® charges a $33 fee for every overdraft.What features and perks does First Tech Rewards Checking® offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for any domestic ATM fees.
- Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
- Fraud monitoring - First Tech Rewards Checking® 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 Rewards Checking® allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Message From First Tech Rewards Checking®
Contact
- Headquarters
-
2702 Orchard Pkwy
San Jose, CA 95134 USA - (855) 855-8805
- Visit Site
Other Services by First Tech Federal Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Minimum Opening Deposit | Starting at $10 |
Minimum Balance to Avoid Monthly Fee | Starting at $0 |
Minimum Balance to Earn APY | $0 |
First Tech Rewards Checking® Community Reviews
Would you recommend First Tech Rewards Checking® to your friends?
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