Checking

Our checking solutions provide convenience and flexibility to help you manage your money more efficiently.

OneChoice Checking
Interest Checking
OneChoice Business Checking
Perfect for Accessing your funds at any time Earning interest on your funds while giving you access to them at any time Businesses wanting access to their funds at any time with the opportunity to earn interest
Minimum opening balance $25 $25 $25
Interest No Yes Yes
Minimum balance to earn interest N/A $500 $10,000
Checking writing fee $0 $0 $0
Monthly service charge $0 $5 if balance falls below $5,000 at any time in the month. First month’s fee is waived. $0

Check out our Checking Rates and Fee Schedule for current rates and applicable fees. Dividends are calculated daily and credited monthly.

Additional Services

Overdraft Protection  – $3 per transfer

Overdraft Protection gives you peace of mind knowing that the credit union will transfer funds from any savings account to cover drafts from checking accounts. Overdraft loans (line of credit) are attached to checking accounts to provide protection from overdrafts and are available to members for no fee. Members may determine sequence in which accounts are access to cover overdrafts.

Courtesy Pay – $33 per transaction

Courtesy Pay is a service that adds a measure of protection to your checking account. Courtesy Pay may cover your insufficient funds checks, up to your approved limit, for one low fee, per covered overdraft transaction. That means, instead of returning a check to the merchant because of insufficient funds, the credit union may pay your check, saving you additional charges from the merchant collection companies, in addition to the credit union’s insufficient fund fee. It saves you the embarrassment an inadvertent overdraft can cause. It also helps protect your credit rating.

Debit Card

Fort Financial debit cardholders enjoy surcharge-free access to thousands of ATMs worldwide through the Alliance One ATM Network and can make purchases anywhere Visa® is accepted.

Cardholders can make five free PIN transactions per month. Fort Financial-owned ATMs do not count towards the 5 free per month and are always free. After you reach your 5 free PIN transactions in a month, there is a $1 fee for each subsequent PIN transaction. Transactions include balance inquiries and withdrawals. PIN-based debit card transactions will also count toward these five.

When making a purchase with your Fort Financial-issued debit card, choose CREDIT instead of DEBIT. By selecting CREDIT, you will be able to take advantage of the zero liability fraud protection and consequently further protecting your PIN from being stolen. It can also help you avoid ATM fees and surcharges.

Ordering Checks

Whether you just opened your account, have moved, changed your name or just want a different check style, you have a variety of options available. Ordering is easy with Deluxe, our check provider.