Business Essential & Gold Checking

Hard-earned, easy to manage.

Smarter Checking, Better Choices

Our Essential and Gold business checking accounts provide secure, easy access to your money, plain and simple. No need for complicated extras. And no matter which account you choose, our top-notch business services team and no-surprises way of doing things always come standard.

See the benefits of each account below and learn more about which one is right for you.

Essential Checking

Get your checking needs met and then some. Our business pros are ready to help you grow.

For a brand new or rising business that’s not writing or depositing a lot of checks just yet, Essential Checking has you covered. All it takes is $100 to get going and you’re off. No matter where you’re headed, our team is here to support your every step.

Gold Checking

All the rewards that come with having more capital, none of the fuss.

For businesses with a higher volume of monthly transactions, our Gold Checking account is designed to reward you for all of your hard work. In fact, if you maintain a balance of $2,500 or more you’ll earn monthly dividends (aka free money) just for banking with us.

Business Checking Account Rates

Type Dividend Rate APY* Balances Dividends Compounded Dividends Credited
Type:
Essential Checking
Dividend Rate:
N/A
APY*:
N/A
Balances:
$100.00 Minimum Opening Deposit
Dividends Compounded:
N/A
Dividends Credited:
N/A
Type:
Gold Checking
Dividend Rate:
0.050%
APY*:
0.05%
Balances:
$2,500.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Monthly
Dividends Credited:
Monthly
Type:
Not for Profit Checking
Dividend Rate:
0.050%
APY*:
0.05%
Balances:
$500.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Monthly
Dividends Credited:
Monthly
Type:
Organizational Club
Dividend Rate:
N/A
APY*:
N/A
Balances:
$25.00 Minimum Opening Deposit
Dividends Compounded:
N/A
Dividends Credited:
N/A
Type:
Family Readiness Group
Dividend Rate:
N/A
APY*:
N/A
Balances:
$25.00 Minimum Opening Deposit
Dividends Compounded:
N/A
Dividends Credited:
N/A
Choose what's right for you

Features

Minimum balance
Earned dividends
Check writing

Business Checking Benefits

Stay in the clear

Get some extra peace of mind with Business Courtesy Pay*. No longer worry about rejected automatic payments or declined cards. A $31 transaction fee will keep your business on track even when something unexpected happens.

*Scroll down to see our FAQs to learn more about Business Courtesy Pay.

Let’s team up

Our business services team is here to support you and everything you do. Anytime you need to talk shop, reach out directly to us at 931.436.9088 or email us at businessservices@forteracu.com.


We travel for business

On the road or at the conference, keep your money close with our mobile app and online banking.

Share your spending power

Order up to 3 debit cards for your employees (for free) and give them access to cash while you maintain sole account ownership.

Your network just got bigger

Our business members enjoy access to credit union branches and ATMs all around the world — surcharge-free. Learn more about how to find a Fortera-friendly credit union near you.

Save more earn more

Money still doesn’t grow on trees, but Fortera savings accounts do collect dividends quarterly. (Dividends are our version of interest, or in other words, free money.)

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.

Access your cash

Enjoy limitless (yep) cash withdrawals from any branch. Nothing like the smell of your own hard-saved green.

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.

Let's get rollin'

Have more questions about setting up shop with a new checking account, give us a call — we're here to help.

Take our card. If you're creative and courageous, you're our kind of person.

  • Phone: 931.431.6800
  • Email: businessservices@forteracu.com

Need a hand?

Tag us in. No matter where your work takes you in the world, we can still talk face-to-face.

Does the Business Gold Checking Account have any fees?
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Yes, Business Gold Checking Accounts with a balance of less than $2,500 will incur a $15 monthly service charge.

Does the Business Essential Checking Account have any fees?
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Yes, this account has a transaction fee that kicks in after you exceed 99 items. Items include checks, withdrawals, etc. Once you have exceeded your account limit, you will be charged $0.25 per item on your account.

Can I connect multiple Checking Accounts to the same Business ChangeUp Account?
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No, members may only connect one business debit card and one business checking account (the business debit card and business checking account must be connected) to a Business ChangeUp Savings Account.

Who is eligible to open a Business Essential or Gold Checking Account?
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To be able to open a Go Checking Account, you must meet the following eligibility requirements: (1) You must be 18 years of age or older (2) You must live, work, worship, or attend school in Montgomery or Stewart counties in Tennessee or Christian, Trigg or Todd counties in Kentucky. You must also open a Share Savings Account to establish Fortera Credit Union Membership. (3) You must be a business owner.

How much does it cost to open a Business Essential Checking Account?
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It only costs $100 to open an account.

What documents do I need to open a Business Essential Checking Account?
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To verify your identity, we always ask that you come prepared with a government-issued ID. It is important that it is not expired. Examples of acceptable IDs include a State Driver's License or a U.S or Foreign Passport. If we have trouble validating your ID, we may ask for a secondary ID. If you have a question about whether or not an ID can be used, just text us at 931.431.6800 or chat with us at forteracu.com. Please click here for full list of the documents you will need.

How much does it cost to open a Business Gold Checking Account?
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It only costs $2,500 to open an account.

What documents do I need to open a Business Gold Checking Account?
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To verify your identity, we always ask that you come prepared with a government-issued ID. It is important that it is not expired. Examples of acceptable IDs include a State Driver's License or a U.S or Foreign Passport. If we have trouble validating your ID, we may ask for a secondary ID. If you have a question about whether or not an ID can be used, just text us at 931.431.6800 or chat with us at forteracu.com. Please click here for full list of the documents you will need.

Can I open a Business Essential or Gold Checking Account online or do I need to open it at a branch location?
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You do need to call us or come into a branch to open this account. We are working toward having easy online applications soon. In the meantime, please call us at 931.431.6800, email us at businessservices@forteracu.com, or schedule an appointment to open an account.

Are there fees for Business Courtesy Pay?
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Yes. If you overdraw your Business Account, you will be charged a $31 fee per transaction.

Can I select which of my Business Accounts receive Business Courtesy Pay coverage?
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Of course! Just let us know which account you would like covered and we will make it happen.

What is the maximum amount of coverage I can receive with Business Courtesy Pay?
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Each of your accounts can receive up to $1,500 in coverage however, coverage amounts vary from person to person depending on the size of the account, account activity, etc.

If you would like to find out how much you are covered for on any particular day, just give us a call. Remember, coverage varies from day to day so it is good to check in with us regularly to see where you stand.

If I open a new Business Account how long will it take for Business Courtesy Pay coverage to take effect?
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It will only take 30 days for your new account to have access to Business Courtesy Pay.

You may also like...

Business Share Savings

Open with only $25, and become a member and part-owner.

Business ChangeUp Savings

Fortera Business debit card purchases gets rounded up to the nearest dollar and the difference gets saved.

Business Access Certificate

Offers a fixed rate that sets you up for dependable savings over a 12-month term.

What's New

Nitty, gritty, and super important.

Fine print is your friend. When you have a minute, give these a good read:
Business Member Service Agreement
View PDF
Privacy Policy
View PDF
Business Rates and Fees
View PDF