First Tech Federal Credit Union · U.S. checking accounts

First Tech Rewards Checking

Checking with no monthly maintenance fee and a $10 opening balance under the October 1, 2026 disclosure. First Tech membership and approval apply; rewards and rebates have separate monthly qualifications.

Pros

No monthly maintenance fee.
$10 checking opening balance in the October 1, 2026 disclosure.
No First Tech ATM cash-withdrawal fee; third-party charges may still apply.

Cons

Credit union membership and approval are required; a separate $5 Membership Savings opening balance may apply.
Monthly rewards require qualifying spend, deposits and electronic statements. Qualified rebates include up to $10/month in out-of-network U.S. ATM fees; linked-product ownership conditions apply.
ATM and debit transactions processed internationally can incur a 1% fee.
Confirm accepted newcomer identity, residency and tax documents before applying.
An inactivity fee of up to $10/month may apply after six months without member-initiated activity across relationship accounts; balance, age and product exceptions apply.

Generated from the provider's published terms and reviewed against official sources.

Costs and key facts

Recurring fee	0 (currency not confirmed)
Minimum opening deposit	10 (currency not confirmed)
SSN requirement	Not confirmed
ITIN accepted	Not confirmed
Credit check	NotStated

Fee waiver: No monthly maintenance fee. Rewards qualification per monthly cycle requires $1,000+ aggregate eligible debit/First Tech credit-card purchases, $1,000+ ACH/direct deposits to Rewards Checking, and primary-owner electronic statements/disclosures. Same-primary-owner and posting deadlines apply; the first cycle qualifies automatically. Source: https://www.firsttechfed.com/bank/rewards-checking

Eligibility and application requirements

U.S. address: Not confirmed

Residency and other conditions: First Tech membership is required and subject to approval. Confirm your membership route, tax-ID requirements, residency and accepted visa/identity documents directly with First Tech before applying. Any employer relocation support depends on the applicable partner program. Rewards Checking and Rewards Savings are separate products with different opening deposits and qualification terms.

Geographic restrictions: Not confirmed. Confirm availability in your state.

Product review: 17 Oct 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare u.s. checking accounts requirements and costs · How we assess published requirements

Service fees

Overdraft / returned item	0 (currency not confirmed)
Outgoing domestic wire	15 (currency not confirmed)
Incoming wire	0 (currency not confirmed)
Outgoing instant transfer	Not confirmed
Incoming instant transfer	Not confirmed
Global remittance	Not confirmed · Outgoing international wires cost $40; incoming domestic and international wires have no First Tech fee. Other-bank and exchange costs may apply.
Allpoint ATM	Not confirmed
Other ATMs	First Tech does not charge an ATM cash-withdrawal fee at its own, Co-op or other ATMs; third-party processing and international transaction fees can still apply.
Cash deposit	Not confirmed