Flex Checking

Keep your money ready.

Flex Checking 101

All you need is five bucks and a guardian’s signature to open your very own checking account. Made for ages 13 to 17, Flex Checking makes it easy to move your money around while also keeping it super secure. Plus, maintaining this account is a no-brainer.

Spend your money your way.

Enjoy the freedom of funding your own everyday debit card swipes, one-click pay transactions, and app-to-app money moves. And no matter where or when you need it, you’ll always have your cash right in your pocket (in the form of one good-looking debit card). Keep your money safe and ready-to-spend, no sock drawer required.

Account Benefits

Always in your pocket

On the couch or on the go, keep your money close with our Mobile App and Online Banking.

Where you go, we go

Credit Unions around the world work together to make sure our members can use branches and ATMs everywhere — surcharge-free. Nice, right? Download our CO-OP app and plot your next getaway.

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.

Free Yourself

From fees. Every Go Checking Account comes with zero opening or maintenance fees. (We love you too.)

Pick your color

Security and style go hand in hand. Choose the debit card color that matches your personality, and breathe easy knowing that smart safety features are built right in. Our aim is to make you smile every time you open your wallet.

Get by with a little help

Or even a lot. Either way, we’re here. Call, text, or chat with our experts anytime you need a friend who knows all things Fortera.

Did we mention the full-color debit card designs?

Open your own Flex Checking account today and pick your flavor.

What is a Flex Checking Account?

Think of this checking account like a spending account. It's an easy, low-maintenance way to move your money around while also keeping it super secure.

It is designed specifically for teens ages 13 - 17. It's user-friendly, secure, and can keep up with anyone thanks to our mobile app, video chat, and text support.

Does the Flex Checking Account have any fees?

Not if you sign up for eStatements, which is a quick and easy process. There is a small fee for those who receive paper statements.

Who is eligible to open a Flex Checking Account?

To be able to open a Flex Checking Account, you must meet the following eligibility requirements: (1) You must be 13 - 17 years of age (2) You or one of your family members must live, work, worship, or attend school in Montgomery or Stewart counties in Tennessee or Christian, Trigg or Todd counties in Kentucky.

What happens to my Flex Checking Account when I turn 18?

The Flex Checking Account automatically rolls over and becomes a Go Checking Account. As you grow up, so does your account.

How much does it cost to open a Flex Checking Account?

It only costs $5 to open an account.

What documents do I need to open a Flex Checking 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. For children and teens, we have a variety of other documents we can use to verify identities. These include social security cards, birth certificates, medicaid cards, and insurance cards. If you have a question about whether or not an ID can be used, just text us at 931.431.6800.

How old do you have to be to open the Flex Checking Account?

Members must be 13 - 17 years old to open this account.

Do you need a parent or guardian to open the Flex Checking Account?

Yes, you must have a legal guardian present to open the account with you.

What if no one in my family has a Fortera Account? Can I still open a Flex Checking Account?

Yes! As long as your guardians open the account with you, it is not necessary for them to have other accounts at Fortera.

How do I know if my card is contactless?

All contactless cards will have the contactless symbol on the front of the card.

Are contactless cards safe?

Contactless cards are actually safer than traditional cards. Contactless payment puts you in control and protects your data. Your card or device never leaves your hand, reducing the risk of loss or counterfeit, and each purchase is uniquely encrypted. You’re also protected against double billing, even if you accidentally tap twice. Contactless cards are also an easy way to reduce contact and can help you avoid the potential for picking up bacteria and germs.

Are contactless cards similar to a digital wallet?

Yes. Contactless payments use the same technology as mobile wallets, such as Apple Pay and Google Pay.

Where can I use my contactless card?

Use anywhere you see the Contactless symbol at checkout. Contactless checkout is ideal when speed and convenience are essential. You can use it at stadiums, fast food restaurants, gas stations, grocery stores, transit locations, and more.

What do I do if I lose my contactless debit card?

To report a lost or stolen debit card during business hours, please call 800.821.5891. To report a lost or stolen debit card during non-business hours, resolve a problem with using your debit card, or dispute a charge on your debit card, please call 866.557.5315.

Need a hand?

We're here to help! Call us and let's chat face-to-face.

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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:
Member Service Agreement
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Privacy Policy
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Rate and Fee Disclosure
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