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).
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:
To get started, all you need is a Fortera membership plus $25 to open your Full Circle checking account.
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.
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.
On the couch or on the go, keep your money close with our Mobile App and Online Banking.
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.
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.
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.
....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.
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.
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.
We can help! Give us a call and let's chat face-to-face.
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.
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:
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.
A $25 deposit is required to open a Full Circle 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.
You can open this account online or in-person. The choice is yours.
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.
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.
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.
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.
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.
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.