Adult Savings Accounts

To be able to open a Share Savings 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 one of our service regions; join an affiliated partner, or have an immediate family member who is a Fortera member. Our service regions include Montgomery, Stewart, Chester, Decatur, Lewis, McNairy, and Perry counties in Tennessee or Christian, Trigg, Todd, McLean, and Webster counties in Kentucky. Residents of other counties in Tennessee, Kentucky, Alabama, and Arkansas may also be eligible.

We charge $10 to open a Share Savings Account. $5 goes directly into your account as your account minimum and $5 is a one-time membership fee. We like to keep it simple.

Dividends are extra money that your account earns just by being open and meeting our minimum account dividend earning value. The Share Savings Account earns dividends quarterly as long as your account has at least $50 deposited in it. It is just another way we like to say thank you to our members for trusting us with your hard-earned "dough". To learn more about what the current dividend rate is and our other savings accounts that earn dividends, please see our Rate and Fee Disclosure.

Yes! We make depositing in this account easy. Simply let one of our team members know that you would like to do this when you open your Share Savings Account or do it yourself in our Online Banking Portal.

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, 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.

We charge $5 to open a Spare Share Savings Account. That $5 goes directly into your account as your account minimum.

To be able to open a Spare Share Savings 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 one of our service regions; join an affiliated partner, or have an immediate family member who is a Fortera member. Our service regions include Montgomery, Stewart, Chester, Decatur, Lewis, McNairy, and Perry counties in Tennessee or Christian, Trigg, Todd, McLean, and Webster counties in Kentucky. Residents of other counties in Tennessee, Kentucky, Alabama, and Arkansas may also be eligible.

Yes! We make depositing in this account easy. Simply let one of our team members know that you would like to do this when you open your Spare Share Savings Account or do it yourself in our Online Banking Portal.

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, 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.

Dividends are extra money that your account earns just by being open and meeting our minimum account dividend earning value. The Spare Share Savings Account earns dividends quarterly as long as your account has at least $50 deposited in it. It is just another way we like to say thank you to our members for trusting us with your hard-earned "dough". To learn more about what the current dividend rate is and our other savings accounts that earn dividends, please see our Rate and Fee Disclosure.

You can open this account online or in-person. The choice is yours.

This account is designed to be automatic. Every purchase made with your debit card is rounded up to the nearest dollar and that extra change is then deposited into your ChangeUp Account. You cannot automate additional transfers to this account.

No, members may only connect one debit card and one checking account (the debit card and checking account must be connected) to a ChangeUp Savings Account.

This account is free to open. You heard us right!

No additional deposits may be added to the ChangeUp account.

You are eligible to open a ChangeUp Account if you are at least 13 years old and a Fortera member with an active checking account and debit card. To add one to your account today, please visit a branch or give us a call via video chat.

Dividends are extra money that your account earns just by being open and meeting our minimum account dividend earning value. The ChangeUp Savings Account earns dividends quarterly as long as your account has at least $0.01 deposited in it. You heard us right, that is a single cent. It is just another way we like to say thank you to our members for trusting us with your hard-earned "dough". To learn more about what the current dividend rate is and our other savings accounts that earn dividends, please see our Rate and Fee Disclosure.

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, 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.