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.

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.

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.