Business ChangeUp Savings

Make every expense count.

Business ChangeUp Savings Account 101

With a Business ChangeUp account, every purchase you make with your Fortera Business debit card gets rounded up to the nearest dollar and the difference gets stashed away here for safekeeping.

Get a savings account that’s into multitasking.
Make moves for your business and grow your savings simultaneously. Picture this: it’s time to stock up on office supplies. The total comes to $143.28, but, when you pay with your Fortera Business debit card, that purchase rounds up to $144, and 72 cents are deposited into your ChangeUp account. So while you’re at it, might as well order yourself a snack. Future-you will thank past-you for the extra change.

Business Special Share Account Rates

Type Dividend Rate APY* Balances Dividends Compounded Dividends Credited
Business ChangeUp Share | $0.00 -$2000.00
Dividend Rate:
$0.01 Minimum Balance to Earn Stated APY
Dividends Compounded:
Dividends Credited:
Business ChangeUp Share | $2000.01 +
Dividend Rate:
$0.01 Minimum Balance to Earn Stated APY
Dividends Compounded:
Dividends Credited:

*APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date.

Penalties will/may be imposed for early withdrawal on time accounts. Fees may reduce earnings on the account. Rate may change after account opening. Rate may change after account opening.

Click the button below to see our Rate and Fee Disclosure.

Business ChangeUp Savings Benefits

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.

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 extra earnings for all your hard-won savings.)

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.

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.

Let's go

Give your business everything it needs and save along the way. Schedule an appointment with us to open your Business ChangeUp account today.

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. Whether you are on your couch or halfway around the world, use our video chat to get quick answers from a friendly face. Give us a call and let us know how we can help.

Can I add additional deposits to the Business ChangeUp Savings Account?


No additional deposits may be added to the Business ChangeUp account.

Who is eligible to open a Business ChangeUp Savings Account?


To be able to open a ChangeUp Savings 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 one of our service regions; join an affiliated partner, or have an immediate family member who is a Fortera member. Our service regions include Montgomery, Stewart, Chester, Decatur, Lewis, McNairy, and Perry counties in Tennessee or Christian, Trigg, Todd, McLean, and Webster counties in Kentucky. Residents of other counties in Tennessee, Kentucky, Alabama, and Arkansas may also be eligible. (3) You must have a Share Savings Account to establish Fortera Credit Union Membership. (4) You must be a business owner. (5) You must have an eligible checking account and debit card.

Can I connect multiple Checking Accounts to the same Business ChangeUp Account?


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.

Can I set up automatic transfers to the Business ChangeUp Savings Account?


This account is designed to be automatic. Every purchase made with your debit card is rounded up to the nearest dollar and that extra change is then deposited into your Business ChangeUp Account. You cannot automate additional transfers to this account.

How much does it cost to open a Business ChangeUp Savings Account?


This account is the definition of accessible to everyone. It only takes one penny to open it. You heard us right!

What documents do I need to open the Business ChangeUp Savings Account?


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.

What are dividends and how do they work for the Business ChangeUp Savings Account?


Dividends are extra money that your account earns just by being open and meeting our minimum account dividend earning value. The Business ChangeUp Savings Account earns dividends quarterly as long as your account has at least $0.01 deposited in it. You heard us right, that is a single cent. It is just another way we like to say thank you to our members for trusting us with your hard-earned "dough". To learn more about what the current dividend rate is and our other savings accounts that earn dividends, please see our Rate and Fee Disclosure.

Can I open the Business ChangeUp Savings Account online or do I need to open it at a branch location?


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.

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What's New

Nitty, gritty, and super important.

Fine print is your friend. When you have a minute, give these a good read:
Business Rate and Fee Disclosure
View PDF