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 ChangeUp Savings Account Rates
| Type | Business ChangeUp Share | $0.00 - $2000.00 |
| Dividend Rate | 1.491% |
| Annual Percentage Yield (APY) | 1.50% |
| Minimum Balance to Earn Stated APY | $0.01 |
| Dividends Compounded | Quarterly |
| Dividends Credited | Quarterly |
| Type | Business ChangeUp Share | $2000.01 + |
| Dividend Rate | 0.150% |
| Annual Percentage Yield (APY) | 0.15% |
| Minimum Balance to Earn Stated APY | $0.01 |
| Dividends Compounded | Quarterly |
| Dividends Credited | Quarterly |
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. Click the button below to see our Rate and Fee Disclosure. Rate is accurate as of January 14, 2025.
Business ChangeUp Savings Benefits
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: info@forteracu.com
FAQs
Can I add additional deposits to the Business ChangeUp Savings Account?
No additional deposits may be added to the Business ChangeUp account.
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.
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 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.
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 info@forteracu.com, or schedule an appointment to open an account.
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