Call 800-448-8268 to activate your new Fortera Debit Card.


Having trouble activating your new debit card?


Card activation requires that you have your new sixteen digit card number, the last four digits of the member number associated with the card, and the last four digits of the primary account holder's social security number.

If you have a joint account, please make sure you are using the last four digits of the primary account holder's social security number.

Your Member Number can be found inside your online banking portal, as highlighted in the image below.


 If you are still unable to activate your card, call us at 800.821.5891 and press zero to speak directly with an Agent. 

You can also reach us through live chat, secure message in our online banking, or stop by any of our 10 convenient branch locations to activate today.


Now Fortera Debit Cards are even more secure than before.


Starting in August 2017, all Fortera Credit Union debit cards will feature a built-in microchip that improves the global usability and security of the card. Here’s what it means to cardholders... 

Greater Worldwide Acceptance

Chip technology is currently used in 80 countries around the world and has become standard in the U.S. 

The Fortera Credit Union chip card can be used anywhere in the world where Mastercard is accepted — over 36 million places in more than 200 countries.

Increased Cardholder Security

The chip contains encrypted information that makes it extremely difficult for the card to be copied or counterfeited. 

At merchants that use chip terminals, the card and terminal work together to add an additional layer of security to the transaction.

Mastercard Zero Liability

As with our previous generation of debit cards, the chip card is backed by a zero liability policy, which means cardholders won’t be held liable if the card or card number is used for purchases without permission. 

Some conditions and exceptions apply. For full details, click here.

Benefits in a glance

Mastercard® Worldwide acceptance at over 36 million places.

Purchases are deducted from checking.

Cash access at ATMs worldwide.

Liability protection for unauthorized purchases'.

Mastercard Global Service™2

Identity Theft Resolution Services2

Mastercard Airport Concierge™ Chip Technology Extended Warranty2

Price Protection2

Satisfaction Guarantee2

Mastercard Priceless® Cities 



1.  Why are you replacing my existing card?

Your new Mastercard will help us to serve you better by providing you with added benefits you can use every day.

2.  Is there any cost to me?

No, your new card will have no annual fee, just like the card it replaces.

3.  Will my PIN remain the same?

When calling to activate your card, you'll be prompted to choose a PIN number. For your convenience, you can enter your existing number, or choose a new number if you prefer. 

 4.  Why will my new card contain a microchip?

Fortera Credit Union is moving to chip technology because it provides more security and ease of use in other countries and has become standard in the U.S.

 5.  When will my new card arrive?

You can expect to receive your new card by mid-August. When it arrives, simply:

  • Call to activate and choose a PIN
  • Sign the back
  • Destroy your old card

Also, contact any merchants who automatically bill your existing card to provide your new card number.

6. Who can tell me more?

If you have other questions, click the Chat Now button, call us at 931.431.6800 or 800.821.5891 or inquire at any branch . 

7.  If I have multiple accounts, will each account receive a new card?

Yes. Each personal checking account with a Fortera Debit Card linked to it will be reissued a new Fortera Debit Mastercard.

8.  If I receive more than one card, how will I be able to tell which checking account it is linked to?

Simply call the customer service number on the back of your card. A representative will be happy to assist you.


  1. Certain restrictions apply. See for details.
  2. Certain restrictions apply. For details, see the Guide to Benefits that will be sent with your new card.
  3. 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. 



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