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 Automatic or recurring payments you establish using your Bill Pay Tool are auto-withdrawn from your account and zapped over to your designated third party.

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 accounts must be based in the U.S.

Nope! Fee-free transfers for all your Zelle® payments!

You can send, request or receive money with Zelle®. After you’ve enrolled, simply add your recipient’s email address or U.S. mobile number, the amount you’d like to send or request, review and add a memo, and hit “confirm.”

If you have already enrolled with Zelle®, you do not need to take any further action. The money will move directly into your Fortera account. It may take a few minutes to see the money in your account.

If you have not enrolled in Zelle®, follow these simple steps:

1. Click on the link provided in the payment notification.
2. Select Fortera Credit Union.
3. Follow the instructions provided on the page to enroll and receive your payment.

Money sent with Zelle® is typically available to an enrolled recipient within minutes¹.

If it has been more than three days, we recommend confirming that you have fully enrolled in Zelle®, and that you entered the correct email address or U.S. mobile number and provided this to the sender.

¹U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.

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 or download our Fortera Cards App.

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 888.918.7313.