Mobile & Online Banking

Click the Login button on the homepage, hit Create Account, and fill out your information. Create your username and password, be sure to check the Terms and Conditions box, and click Complete Sign Up to wrap up and get going.

Yes, our Online and Mobile Banking platforms are very secure. We believe in offering layers of protection against various types of online attacks. We use multi-factor authentication (MFA) for user logins, time-based lockout, blacklisting of known bad IP addresses, and a cloud-based Web Application Firewall (WAF) just to name a few. If you are ever concerned about your account security, please let us know. Text or call us at 931.431.6800 or email us with your questions at info@forteracu.com.

Register by visiting our Online Banking or by downloading our Fortera Credit Union Mobile App. Our App is available in the App Store and Google Play. With Mobile Banking, you get all the convenience of Online Banking plus Mobile Check Deposit. It's definitely a win.

Oh no! If something looks incorrect, please message us in your Online Banking or Mobile Banking Account. If you message us while logged into your account, you are using a secure portal so your account numbers and transactions remain secure and private. Let us know what looks incorrect and we will happily help you resolve it.

The Money Management Tool is our way of helping you take control of your money no matter where you are in the world. Use it to create budgets, categorize and track spending, learn about money management best practices, and set goals you can start shattering.

If you have questions about how to use it, text us or call us at 931.431.6800 or chat with us in Online Banking and we can show you how to get started.

The answer is yes! When you set your bills to auto-pay, you set yourself free and worry less about missed payments. Automatic or recurring payments you establish using your Bill Pay Tool are auto-withdrawn from your account.

Your FICO score is a three-digit number that is determined by examining your credit reports. It helps us (and other financial institutions) better understand your credit history.

In order to use Zelle^®, the sender and recipient's bank or credit union accounts must be based in the U.S.

Fortera Credit Union does not charge fees to send or receive money with Zelle^®, but there is a $31.00 stop payment fee to cancel a Zelle^® transaction that is still pending because the recipient hasn't yet enrolled. If the recipient doesn't enroll with Zelle^® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed.

Your mobile carrier's messaging and data rates may apply.

You can send, request, or receive money with Zelle^®. To get started, log into the Fortera Mobile Banking App or online banking. Look for the Transfer/Pay icon in the footer and then select the Move Money with Zelle® option.

To send money using Zelle^®, simply select someone from your mobile device's contacts (or add a trusted recipient's email address or U.S. mobile number), add the amount you'd like to send and an optional note, review, then hit "Send." The recipient will receive an email or text message notification via the method they used to enroll with Zelle^®. Money is available to your recipient in minutes if they are already enrolled with Zelle^®.

To request money using Zelle^®, choose "Request," select the individual from whom you'd like to request money, enter the amount you'd like, include an optional note, review and hit "Request". If the person you are requesting money from is not yet enrolled with Zelle^®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their U.S. mobile number.

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle^®. If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your Fortera Credit Union account, typically within minutes.

If someone sent you money with Zelle^® and you have not yet enrolled with Zelle^®, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select Fortera Credit Union.
3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle^® using that email address or U.S. mobile number to ensure you receive your money.

Keeping your money and information secure is a top priority for Fortera Credit Union. When you use Zelle^®within our mobile app or online banking, your information is protected with the same technology we use to keep your Fortera Credit Union account safe.

Zelle^® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.^*

Since money is sent directly from your Fortera Credit Union account to another person's bank account within minutes^*, Zelle^® should only be used to send money to friends, family and others you trust.

If you don't know the person or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle^®. These transactions are potentially high risk (just like sending cash to a person you don't know is high risk).

SavvyMoney is our Online and Mobile Banking Credit Score and Reporting tool. Log in to your Online or Mobile Banking account and select "Credit Score" under the Additional Services tab in Online Banking or the More tab in Mobile Banking. Once you go through the quick steps to set up SavvyMoney, you will be able to see your daily updated credit score. Don't worry, SavvyMoney only uses soft pulls so your credit score will not be impacted.

You will also find offers and educational resources tailored to you if you click the See Full Report button.

Log in to Online Banking to see your credit score and report now.

Yes! Using SavvyMoney in Online or Mobile Banking is completely free. No hidden fees or extra costs because that's not cool.

Absolutely not. Because SavvyMoney uses only soft pulls to see your credit score, it will not hurt your score, even if you check it every single day.

You can use our Locations page map to find all our ATMs at our local branches and scroll down to see other ATMs throughout the community.

It is a network with free access to over 5,000 fellow credit union branches and 30,000 ATMs all over the world. That’s more than just about any bank, anywhere. (Not that we’re counting.)

That means you don't have to be down the street to access your cash. Credit unions work together to meet the needs of their world-travelin', adventurous, on-the-go members. So, no matter where you are, look up CO-OP locations close to you and walk into any branch, and get treated like family, because, you are.

Check out easy ways to use the CO-OP Shared Branch Network while on the road:

• Download The App: Visit Google Play or the App Store and download the CO-OP Shared Branching App. Use this app to find shared branch locations, ATMs, and self-serve kiosks nationally and internationally.
• Search Online: Search for a convenient location here.
• Call: Dial 1.888.SITE.COOP (888.748.3266) to find a location by phone.
• Text: Text a zip code to 91989 to find nearby ATM and CO-OP Shared Branch Network locations.

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.

To activate your card, please call 800-631-3197.

To update your debit card PIN, please call 888.886.0083.

We've got you! To report a lost or stolen credit card, please call 866.577.5451.

To report a lost or stolen debit card during business hours, call 800.821.5891. During non-business hours, call 866.557.5315.