Full Circle Checking

Think of our checking accounts as spending accounts. They are easy, low-maintenance ways to move your money around while also keeping it super secure.

Our Full Circle Checking Account is our premium checking option. This means it gives you the most rewards, especially if you have other accounts with us. We value our members and we like to say thank you for trusting us. This account is our thank you note.

To be able to open a Full Circle 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 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.

Price Protection from Mastercard may provide reimbursement for the price differences found on items that were purchased with an eligible Mastercard. For instance, if a member discovers a cheaper price for the Beats Headphones they just purchased, they may be eligible for reimbursement. Cardholders must use their eligible Mastercard entirely to purchase the item. If a cardholder sees a printed or non-auction internet advertisement for the same product for a lower price within the eligible time period applicable on your Mastercard, they may be eligible for the price difference. Cardholders will need to provide their original itemized store receipts, card statement record of purchase and a copy of advertisement showing the lower price found. Members may file a claim at www.mycardbenefits.com or by calling 1-800-MASTERCARD.

Mastercard may extend the terms of the manufacturer’s warranty on certain items that were purchased using their Full Circle Mastercard (i.e. a refrigerator purchase). Coverage may be provided for the repair or replacement cost of the item and will not exceed the actual amount charged on the eligible Mastercard. Cardholders will need to provide their original itemized store receipts, card statement record of purchase and the original manufacturer warranty. Members can file a claim or check the status of a claim at www.mycardbenefits.com or by calling 1-800-MASTERCARD.

The Identity Fraud Expense Reimbursement benefit may reimburse cardholders for eligible expenses incurred to restore their identity. Coverage is excess to any other applicable insurance or indemnity the eligible person may have. Members can file a claim or check the status of a claim at www.mycardbenefits.com or by calling 1-800-MASTERCARD.

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.

If you become dissatisfied with a product you purchase using your eligible Mastercard within 60 days of purchase, and the store will not accept a return, you may be eligible for a refund for the cost of the product up to $250. Let’s say a cardholder purchased a rug that ends up being too small for the area they wished to cover. They attempt to return it, but it is beyond the store’s return policy of 20 days. They may be eligible for a refund. They must pay for the item using their eligible Mastercard and the item must be purchased from a store that provides a return or exchange policy of at least 10 days. The item must be returned undamaged, in good working condition, in its original and complete packaging along with the original itemized store receipt and card statement showing the record of purchase. Members may file a claim at www.mycardbenefits.com or by calling 1-800-MASTERCARD.

The Cellular Telephone Protection Benefit provides reimbursement for Damage or Theft of a cellular phone when the monthly cellular bill is paid using the eligible Full Circle Mastercard. As long as you pay your monthly cellular bill with this card, you are automatically eligible for coverage up to $600 – at no additional cost. Certain terms and conditions apply. To file a claim, visit www.mycardbenefits.com.

You can open this account online or in-person. The choice is yours.

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

Yes, you can walk into any branch and we can create you a contactless debit card instantly. You may also reach out to us at (931) 431-6800 or via video chat to request a new contactless debit or credit card.

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.

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.

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

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.