Advertiser Disclosure

First Tech Federal Credit Union Dividend Rewards Checking

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

Unaffiliated

First Tech Federal Credit Union Dividend Rewards Checking

Unaffiliated

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

Net Recommendation Score 0%

0 users recommend

1 user is unsure

0 users don't recommend

Browse Reviews: 0 Recommendations | 0 Complaints

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.
$1 minimum deposit. This account requires a higher minimum initial deposit than most of the accounts we track.
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. Deposits are insured by the NCUA (up to $250K). 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
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	$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 (Incoming)	$0
Wire Transfer Fee - Domestic (Outgoing)	$15
Wire Transfer Fee - International (Incoming)	$0
Wire Transfer Fee - International (Outgoing)	$40
ATM Fee: Out-of-Network	$0

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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.