Full Circle Checking

Introducing one well-rounded checking account.

Full Circle Checking 101

Get rewards that make their way back to you. With Full Circle checking, keeping an account balance of $1,000 or more automatically earns you monthly dividends (aka free money). Plus, whether you do more banking with us or actively use your debit card, it’s easy to skip the $7.50 monthly fee and enjoy every benefit of a checking account that pays for itself (and then some).

Stay ahead of the curve.

When you’re ready to take your relationship with your checking account to the next level, Full Circle is here. The higher your balance, the more monthly dividends you’ll earn. And while there is a $7.50 monthly maintenance fee, we’ve designed this account to help you avoid it.

By meeting any one of the below criteria in any given month, you’ll cruise to the next month fee-free:

  • Use your Fortera Mastercard debit card 15x per month. Recurring payments are included (hello, movie night in), but ATM transactions and cash advances don’t count.
  • Own an active Fortera loan or mortgage.
  • Own an active Fortera credit card account.

To get started, all you need is a Fortera membership plus $25 to open your Full Circle checking account.

More to Love

Some Fortera accounts include some pretty great bonus benefits. This is one of them.

Mobile Phone Replacement
Pay your monthly cellular bill with your Fortera Mastercard debit card and if your phone gets damaged or stolen, you’ll receive a reimbursement.

Identity Fraud Payback
If your identity is stolen, eligible members receive reimbursement for expenses related to restoring your identity.

Access to Hotspots
Enrolled Fortera Mastercard debit cardholders can enjoy access to Boingo Wifi at more than 1 million hotspots around the world including airports, hotels, restaurants, coffee shops, inflight and more — at no additional cost, and on up to 4 devices.

Price Difference Payback
Receive reimbursement for price differences on purchases made with your Fortera Mastercard debit card.

Satisfaction Payback
Get up to a $250 refund on products you are dissatisfied with that were purchased using your Fortera Mastercard debit card.

Warranty Bonus
On purchases made with your Fortera Mastercard debit card, get extended warranty coverage.

Checking Account (Share Draft) Rates

Type Dividend Rate APY* Balances Dividends Compounded Dividends Credited
Type:
Full Circle Checking | $0-$999.99 Tier
Dividend Rate:
N/A
APY*:
N/A
Balances:
$0.01 Minimum Balance to Earn Stated APY
Dividends Compounded:
N/A
Dividends Credited:
N/A
Type:
Full Circle Checking | $1,000 + Tier
Dividend Rate:
0.100%
APY*:
0.10%
Balances:
$1,000 Minimum Balance to Earn Stated APY
Dividends Compounded:
Monthly
Dividends Credited:
Monthly
Type:
Go Checking
Dividend Rate:
N/A
APY*:
N/A
Balances:
$25 Minimum Opening Deposit
Dividends Compounded:
N/A
Dividends Credited:
N/A
Type:
Flex Checking
Dividend Rate:
N/A
APY*:
N/A
Balances:
$5 Minimum Opening Deposit
Dividends Compounded:
N/A
Dividends Credited:
N/A
Type:
Restricted Transactions
Dividend Rate:
N/A
APY*:
N/A
Balances:
$25 Minimum Opening Deposit
Dividends Compounded:
N/A
Dividends Credited:
N/A

Full Circle Checking has a $7.50 Monthly Fee. The service fee for the Full Circle Checking Account cannot be avoided with a minimum balance. However, you can avoid the monthly fee by making 15 debit card transactions per month (excluding ATM transactions and recurring payments) or by having a Fortera loan (mortgages and credit cards are included).

Restricted Transactions have a $10.00 Monthly Fee.

Account Features

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.

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.

Get Started

Open the checking account that saves and put your spending money to work.

Need a hand?

We can help! Give us a call and let's chat face-to-face.

What is a Full Circle Checking Account?
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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.

Does the Full Circle Checking Account have any fees?
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Yes, the Full Circle account does have a monthly fee of $7.50. You can avoid this fee every month by meeting any of the following conditions:

  • Use your Fortera Mastercard debit card 15x per month. Recurring payments are included (hello, movie night in), but ATM transactions and cash advances don’t count.
  • Own an active Fortera loan account.
  • Own an active Fortera credit card account.
Who is eligible to open a Full Circle Checking Account?
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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 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.

How much does it cost to open a Full Circle Checking Account?
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A $25 deposit is required to open a Full Circle Checking Account.

What documents do I need to open a Full Circle 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. 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 does the Extended Warranty benefit work in Full Circle Checking?
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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.

How do Full Circle Checking cardholders access the Boingo Wi-Fi network?
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Full Circle Checking cardholders will have access to Boingo Wi-Fi at more than 1 million hotspots around the world including airports, hotels, restaurants, coffee shops, in-flight and more at no additional cost for enrolled customers and on up to 4 devices. All at no added cost with no added fees or roaming charges. Cardholders can visit mastercard.boingo.com to register and activate their complimentary Boingo account and to learn how they can get connected. Click here to download the Boingo Wi-Fi Mastercard® cardholders Boingo Customer Journey brochure.

What is Identity Fraud Expense Reimbursement benefit in Full Circle Checking?
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The Identity Fraud Expense Reimbursement benefit may reimburse cardholders for eligible expenses incurred to restore their identify. 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.

What is the Mastercard Cellular Wireless Telephone Protection Program for Full Circle Checking?
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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.

What is the Price Protection benefit in Full Circle Checking?
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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.

How does the Satisfaction Guarantee benefit work for Full Circle Checking?
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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.

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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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