Choose a Checking Account That's Perfect for You

At Fortera Credit Union, you can choose from several Checking Accounts that offer no monthly minimum balance or low-cost services. Select the one that best fits your lifestyle and budget:


  • Our most popular and affordable checking account. Open yours with as little as $25 to begin enjoying all the valuable features listed below.
  • No Monthly Minimum Balance Requirement

ValuChecking Plus

  • Earns dividends
  • Minimum balance or loan relationship required to avoid monthly service fee
  • FREE Prepaid MasterCard Traveler Cards


Freedom Plus Checking

  • For members 50 years and older
  • Earns dividends
  • Minimum balance or loan relationship required to avoid monthly service fee
  • No fee for primary members 60 years of age or older
  • FREE Freedom Plus checks (limit 4 boxes per year)
  • FREE Prepaid MasterCard Traveler Cards


All Checking packages include these valuable features: 

*Online Bill Pay is free when you pay two or more bills each fee cycle.

Click here for our Funds Availability Policy Disclosure.


It's not your average debit card:

A Fortera Debit Card is available with any Fortera checking account you choose, and the benefits will exceed your expectations.  Here are just a few perks to peak your interest, but be sure to view our full list of Debit Card benefits.


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

Price Protection can refund the difference if you buy something and then see it advertised for less within 60 days.1

Satisfaction Guarantee can provide a refund of up to $250 if you are dissatisfi ed with a purchase and the merchant will not accept a return within 60 days of the purchase date.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.2

Overdraft Protection*

Overdraft Protection is perfect for unexpected expenses and to avoid overdraft charges. Be sure to set up your Share Savings Account or apply for a Line of Credit* to be used with your Fortera Credit Union Checking Account.
* Eligibility and/or credit approval required.

Courtesy Pay*

Fortera Credit Union automatically applies the Courtesy Pay service to qualifying accounts after a 30 day waiting period from date of account opening. With Courtesy Pay, instead of having your nonsufficient funds check returned, the check is paid, and an overdrawn balance is created. The Courtesy Pay service is used only after all other overdraft options have been exhausted, and the applicable fee will be charged.

Direct Deposit

Save time by having your pay or benefits check directly deposited into your Fortera Credit Union account. Funds are available the day of your pay date.


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! For complete details, click here.







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