Use your Debit Card Anywhere Mastercard is Accepted

Fortera Credit Union VISA® Debit, Credit & Prepaid Cards Instead of writing a check or carrying cash, use your Fortera Debit Card - accepted at millions of retailers worldwide.

Our Fortera Debit Card offers great benefits!

Benefits in a glance

  Mastercard® Worldwide acceptance at over 36 million locations.

  Purchases are deducted from checking.

  Cash access at ATMs worldwide.

Extended Warranty doubles most manufacturer or U.S. store brand warranties for up to one additional year.1

Satisfaction Guarantee can provide a refund of up to $250 if you are dissatisfied with a purchase and the merchant will not accept a return within 60 days of the purchase date.1

Mastercard ID Theft Protection (IDT) provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of Identity Theft.1

Mastercard Priceless® Cities offers unique access and special experiences so you can enjoy more of the cities you love.

Mastercard Airport Concierge™ provides a Meet and Greet agent to assist with flight connections plus, at select airports, expedited security/immigration processing.

Mastercard Global Service™ provides 24 hour a day, seven day a week assistance with lost and stolen card reporting, emergency card replacement, emergency cash advance, as well as assistance with locating ATMs.1

Zero Liability means that in the event that your card is used to make unauthorized purchases—whether made in a store, by phone, or online—you won’t be held liable.

Chip Technology improves the global usability and security of your card as more merchants at home and abroad switch to advanced chip card terminals.


Fortera Credit Union offers instant issue debit cards in all of our branch locations. In just a matter of minutes, your debit card will be printed while you wait. In addition to our standard Debit Card, there are several options to choose from.


Mastercard and the Mastercard brand mark are registered trademarks and Mastercard Global Service and Mastercard Airport Concierge are trademarks of Mastercard International Incorporated, used pursuant to a license. All third party trademarks referenced herein are the property of their respective owners. 


Other Card Options

ChangeUp Savings

ChangeUp is the easy and painless way to save every time you use your debit card. It’s rewarding, too. No matter what you earn on your checking account, you get a high 2.00% Annual Percentage Yield (APY) on the first $2,000 in your ChangeUp savings account linked to your debit card!

How It Works

With ChangeUp, your debit card purchases are rounded up to the next dollar and the difference is transferred daily to your ChangeUp savings account.

Soon, pennies change into dollars and dollars change into more dollars!

On your checking statement, each debit card purchase shows up just as you made it. Then, on a separate line, you’ll see the amount that’s rounded up for transfer into your ChangeUp savings account at the end of the day.

Easier Saving. Better Results.

Even though you get a whopping 2.00% APY on the first $2,000 in your ChangeUp savings account, you’re not locking your money away. It’s available whenever you need it for whatever savings goal you may have.

And don’t worry about ChangeUp putting your checking account at risk. If there aren’t sufficient funds in your checking account to cover the day’s ChangeUp transfer, we’ll just cancel it for that day. We’ll also cancel it if you’re overdrawn at any time during that business day.

Time to make a ChangeUp for the better!

If you’re ready to put your change to work, call 931.431.6800 or 800.821.5891, send a secure message through Online Banking, or visit any Fortera Credit Union branch. We’ll have you enrolled in minutes.

ChangeUp. It’s where spending meets saving…and where a little change can accomplish big things.



Click here for Debit Card Disclosure.

Travel Notes

Travel Notes – Fortera Credit Union Prepaid Debit CardsGoing out of town? Don’t have your card denied at the register – notify Fortera Credit Union before you leave.

Fortera Credit Union employs fraud monitoring to help detect and protect against ATM/debit card fraud. The fraud monitoring process is designed to identify and investigate transactions that fall outside of your normal usage patterns. If you plan to travel domestically or internationally, please notify Fortera Credit Union prior to traveling to minimize the chances of your debit card being blocked for unusual activity.

Visit any branch to set the travel notification, or you may contact us at 931.431.6800 or 800.821.5891, or notify us by logging in to your account and sending us a message. Please provide your travel location and dates of travel.

Lost/Stolen Card

Lost or Stolen Debit Cards | Fortera Credit UnionIf your Fortera Credit Union Debit Card is ever lost or stolen during business hours, immediately contact us at 931.431.6800 or 800.821.5891. If your debit card is lost or stolen during non-business hours, immediately contact us at 800.264.5578. International callers can call collect to 412.552.2698.

We also recommend reviewing your account to ensure there are no fraudulent charges appearing on your statement. If you notice any charges on your account that were not made by you or any joint account holders, please contact us at 931.431.6800 or 800.821.5891.


FraudWatch | Fortera Credit Union, Debit & Prepaid CardsYou may not know it, but you have round-the-clock protection against the increasingly savvy perpetrators of debit card fraud. That’s because the cards we issue are protected by FraudWatch®PLUS.

Through an important partner of ours, we provide industry leading technology, tools and the expertise to manage fraud. Experienced fraud analysts work around the clock, watching for any suspicious card activity and will contact you immediately if they detect potential fraud on your card.

So, if you ever get a call from ‘Fraud Prevention Services’, know that they are doing their job to prevent potential fraudulent use of your debit card. If you are contacted by a FraudWatch analyst of suspected fraud, please call 866.842.5208. International callers may call collect to 412.552.2697.

Fraud Dispute, VISA® Credit Cards | Fortera Credit UnionAt Fortera Credit Union, we are concerned about your security!

If you notice charges on your statement that you do not recognize, Fortera Credit Union is here for you. Sometimes these charges are due to fraud, but sometimes not. If you need assistance with making the decision about whether you should dispute a charge or make a fraud claim, click here.

Tips for protecting yourself against ATM fraud

  • Keep your Personal Identification Number (PIN) a secret. Memorize your PIN, never write it on your card or store it with your card.
  • Do not reveal your PIN to anyone not authorized to use the account.
  • Never use your date of birth, social security number, license number or street address as a PIN – those are the first numbers a crook will try.
  • Don't throw away your ATM receipts at the ATM location, dispose of them properly when you get home.
  • Always be aware of your surroundings when using the ATM. If it is late at night, try to use a machine that is well lit and avoid dark, remote locations.
  • Always make sure to retrieve your ATM card from the machine when the transaction is complete.
  • Be aware of the person behind you. Make sure no one can see you entering your PIN or how much money you withdraw.
  • Watch for ATM skimming devices.

Tips for protecting yourself against debit card fraud

  • Always sign your card immediately.
  • Review your statement promptly to ensure all transactions are accurate; report any discrepancies immediately.
  • Destroy old debit cards immediately after receiving your replacement cards.
  • When making a purchase with a debit card, make sure you get the card back and the receipt. Check the receipt for accuracy.
  • Never disclose information in response to unsolicited emails or phone calls.
  • Shop carefully online – only use secure sites displaying the “lock” logo and/or use web addresses that start with “https”.
  • Call us immediately if your debit card is lost or stolen.






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