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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

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in Checking Accounts from First Technology Federal Credit Union

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Highlights
Community Rating	Rating not yet determined
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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