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First Tech Federal Credit Union Dividend Rewards Checking

in Checking Accounts from First Technology Federal Credit Union · Member ncua

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First Tech Federal Credit Union Dividend Rewards Checking

Unaffiliated

in Checking Accounts from First Technology Federal Credit Union · Member NCUSIF

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Highlights
Community Rating	Rating not yet determined
Monthly Fee	$0
ATM Fee: Out-of-Network	$2
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 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 maintenance fee.
Small minimum initial deposit. You only need $10 to open an account.
ATM fee reimbursements. This account will reimburse you for the ATM fees charged by other financial institutions.
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
Available in all 50 states. High-interest yield. Deposits are insured by the NCUA (up to $250K). 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 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 (Annual 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 $10 to open an account.

First Tech Federal Credit Union Dividend Rewards Checking Account Minimums
Description	Amount
Minimum Opening Deposit	$10

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
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

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

This account includes the following features:

ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks.
Fraud monitoring - First Tech Federal Credit Union Dividend Rewards Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
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.
Nationwide ATM network - Conveniently transact at a nearby ATM.

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