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1 Offer expires 04.30.18. Bonus offer is not valid for multiple accounts and is available by invitation only. This offer is non-transferable and is not available to members with existing Dividend Rewards Checking or Instant Access Savings accounts or those whose accounts have been closed within 90 days. New accounts must be personal accounts, not fiduciary or business accounts. For new members, opening a Membership Savings Account with a deposit of $5.00 is required prior to opening any other type of accounts. After meeting criteria below, we’ll deposit bonus amounts to your Membership Savings Account month-end after you meet all criteria. The checking bonus may be combined with only one savings bonus option. Account must be in good standing (not in default, closed, or otherwise not in good standing.) Bonus amounts are considered interest and will be reported on IRS form 1099 INT.

To receive $100 checking bonus: 1) Open a new Dividend Rewards Checking account AND 2) Have your direct deposit made to this account within 60 days of account opening. Direct deposit must be electronic deposit with paycheck, pension or government benefit description.

To receive $150 savings bonus: 1) Open a new Instant Access Savings account; 2) Deposit $15,000 in new money within 10 business days of account opening; AND 3) Maintain a minimum daily account balance of $15,000 for 90 days after the first 10 business days. New money cannot be held by First Tech or its affiliates.

To receive $250 savings bonus: 1) Open a new Instant Access Savings account; 2) Deposit $25,000 in new money within 10 business days of account opening; AND 3) Maintain a minimum daily account balance of $25,000 for 90 days after the first 10 business days. New money cannot be held by First Tech or its affiliates.

2APY = Annual Percentage Yield. Effective 02.01.18 a qualified Dividend Rewards Checking account has a 1.58% APY paid on balances between $.01 and $10,000 and a qualified 0.16% APY paid on balances above $10,000 each calendar month the minimum qualifications are met. To earn the qualified APY, the following requirements must be met: (1) make 12 debit card purchases (2) have one direct deposit or ACH withdrawal and (3) receive electronic statements. Qualifying transactions must post to your account prior to the last day of the month. If you do not meet qualification requirements, your account will still function as a maintenance fee free checking account earning the prevailing standard APY of 0.05%; however, you will not receive ATM rebates for that calendar month. Effective 02.01.18 Instant Access Savings has the following variable tiered APYs on minimum balances of $0.01 for 0.05%, $2,500.00 for 0.20%, $10,000.00 for 0.25%, $25,000.00 for 0.30%, $100,000.00 for 0.40%, and $250,000.00+ for 0.50%. Effective 02.01.18 Membership Savings Account has a 0.05% APY. Accounts are subject to approval. Rates, terms and conditions subject to change at any time.