Full Circle Checking Introducing one well-rounded checking account. Get Rolling Full Circle Checking 101 Get rewards that make their way back to you. With Full Circle checking, keeping an account balance of $1,000 or more automatically earns you monthly dividends (aka free money). Plus, whether you do more banking with us or actively use your debit card, it’s easy to skip the $7.50 monthly fee and enjoy every benefit of a checking account that pays for itself (and then some). STAY AHEAD OF THE CURVE. When you’re ready to take your relationship with your checking account to the next level, Full Circle is here. The higher your balance, the more monthly dividends you’ll earn. And while there is a $7.50 monthly maintenance fee, we’ve designed this account to help you avoid it. By meeting any one of the below criteria in any given month, you’ll cruise to the next month fee-free: Use your Fortera Mastercard debit card 15x per month. Recurring payments are included (hello, movie night in), but ATM transactions and cash advances don’t count. Own an active Fortera loan or mortgage. Own an active Fortera credit card account. To get started, all you need is a Fortera membership plus $25 to open your Full Circle checking account. More to Love Some Fortera accounts include some pretty great bonus benefits. This is one of them. Mobile Phone Replacement Pay your monthly cellular bill with your Fortera Mastercard debit card and if your phone gets damaged or stolen, you’ll receive a reimbursement. Identity Fraud Payback If your identity is stolen, eligible members receive reimbursement for expenses related to restoring your identity. Access to Hotspots Enrolled Fortera Mastercard debit cardholders can enjoy access to Boingo Wifi at more than 1 million hotspots around the world including airports, hotels, restaurants, coffee shops, inflight and more — at no additional cost, and on up to 4 devices. Price Difference Payback Receive reimbursement for price differences on purchases made with your Fortera Mastercard debit card. Satisfaction Payback Get up to a $250 refund on products you are dissatisfied with that were purchased using your Fortera Mastercard debit card. Warranty Bonus On purchases made with your Fortera Mastercard debit card, get extended warranty coverage. Checking Account (Share Draft) Rates Type Dividend Rate APY* Balances Dividends Compounded Dividends Credited Full Circle Checking | $0-$999.99 Tier N/A N/A $0.01 Minimum Balance to Earn Stated APY N/A N/A Full Circle Checking | $1,000 + Tier 0.100% 0.10% $1,000 Minimum Balance to Earn Stated APY Monthly Monthly Go Checking N/A N/A $25 Minimum Opening Deposit N/A N/A Flex Checking N/A N/A $5 Minimum Opening Deposit N/A N/A Restricted Transactions N/A N/A $25 Minimum Opening Deposit N/A N/A Full Circle Checking has a $7.50 Monthly Fee. The service fee for the Full Circle Checking Account cannot be avoided with a minimum balance. However, you can avoid the monthly fee by making 15 debit card transactions per month (excluding ATM transactions and recurring payments) or by having a Fortera loan (mortgages and credit cards are included). Restricted Transactions have a $10.00 Monthly Fee. See other rates Account Features Always in your pocket On the couch or on the go, keep your money close with our Mobile App and Online Banking. Learn More Where you go, we go Credit Unions around the world work together to make sure our members can use branches and ATMs everywhere — surcharge-free. Nice, right? Download our CO-OP app and plot your next getaway. Let's go! Goal setting made simple Our skilled experts are easy to reach and happy to help. For members and non-members alike, meetings and consultations are always free, so make the most of your money, on us. Schedule appointment Rest easy With us, your money is always protected and insured by the National Credit Union Administration. You’re covered on all deposits up to $250,000, so save away. Statements that save ....Trees, space, and worry. Always enjoy access to 18 months worth of e-statements. Keep more trees, toss your file cabinet, and know your info is always safe and sound. Learn more Pick your color Security and style go hand in hand. Choose the debit card color that matches your personality, and breathe easy knowing that smart safety features are built right in. Our aim is to make you smile every time you open your wallet. Get by with a little help Or even a lot. Either way, we’re here. Call, text, or chat with our experts anytime you need a friend who knows all things Fortera. Need A Hand? Get Started Open the checking account that saves and put your spending money to work. Go Full Circle Need a hand? We can help! Give us a call and let's chat face-to-face. What is a Full Circle Checking Account? + Does the Full Circle Checking Account have any fees? + Who is eligible to open a Full Circle Checking Account? + How much does it cost to open a Full Circle Checking Account? + What documents do I need to open a Full Circle Checking account? Call or Text Us + How does the Extended Warranty benefit work in Full Circle Checking? + How do Full Circle Checking cardholders access the Boingo Wi-Fi network? + What is Identity Fraud Expense Reimbursement benefit in Full Circle Checking? + What is the Mastercard Cellular Wireless Telephone Protection Program for Full Circle Checking? + What is the Price Protection benefit in Full Circle Checking? + How does the Satisfaction Guarantee benefit work for Full Circle Checking? + How do I know if my card is contactless? + Are contactless cards safe? + Where can I use my contactless card? + Are contactless cards similar to a digital wallet? + What do I do if I lose my contactless debit card? + You may also like... Yes, please Select Credit Card A well-balanced choice, earning you points while keeping your rate low. Learn more Money Market The perfect hybrid of a checking and savings account with higher dividends and easy access to your money when you want it. Sign me up Go Checking A checking account designed to help your money keep up with you. What's New Community / Fortera Clarksville's Best 2021 Winner Read More Community / Fortera Spring Street Branch Closure Read More Read More Nitty, gritty, and super important. Fine print is your friend. When you have a minute, give these a good read: Member Service Agreement View PDF Privacy Policy View PDF Rate and Fee Disclosure View PDF Chat Our Rates Open Account Apply for Loan We're All In. About Us Community Fortera Foundation Careers Feedback CO-OP Shared Branching P.O. Box 30669, Clarksville, TN 37040 Phone: (931) 431-6800 Toll-Free: (800) 821-5891 Routing #: 264182120 Accessibility Disclosures NMLS Numbers Privacy Notice Online Privacy Statement Submit a Claim © Copyright 2021, Fortera Credit Union. All Rights Reserved. Federally insured by NCUA up to at least $250,000. Equal Housing Opportunity.