Checking Accounts
Smart checking solutions with rewards, low fees, and powerful digital tools to help you manage your money.
Choose Your Checking Account
- Up to 2% cashback on debit card purchases
- No monthly service fee with direct deposit
- Free ATM access at 30,000+ locations
- Mobile check deposit
- Overdraft protection available
- No minimum balance requirement
- $5 monthly fee (waived with $500 balance)
- Free online and mobile banking
- Free debit card
- Bill pay included
- Earns 0.10% APY on balances
- No monthly fees with $10,000 balance
- Premium debit card with higher limits
- Free cashier's checks and money orders
- Priority member service line
Every Account Includes
Contactless Debit Card
Tap to pay anywhere contactless payments are accepted
Mobile Banking
Manage your account, deposit checks, and pay bills from anywhere
Fraud Protection
24/7 fraud monitoring and zero liability on unauthorized transactions
Member Perks
Exclusive discounts on auto loans, mortgages, and more
Instant Transfers
Send money to friends and family instantly with Zelle
30,000+ Free ATMs Nationwide
Access your cash without fees at CO-OP ATMs located at credit unions, 7-Eleven stores, and other convenient locations across the country.
Find an ATMFrequently Asked Questions
How do I open a checking account?
You can open an account online in about 10 minutes. You'll need a valid ID, Social Security number, and a $5 deposit to get started.
Is there a minimum balance requirement?
Our Basic Checking has no minimum balance. Rewards Checking requires a $500 minimum to waive the monthly fee, or set up direct deposit.
How do I earn cashback rewards?
Simply use your First Tech debit card for purchases. You'll automatically earn cashback that's deposited into your account monthly.
Can I link external accounts?
Yes! You can link external bank accounts for easy transfers. Set up recurring transfers or move money on-demand through online banking.
Ready to get started?
Join over 600,000 members who trust First Tech with their financial future.