Last Updated: 04/18/2025
Fortera Credit Union Gold Checking Account
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Monthly Service Fee
$15(Verified 03/19/2025)
ATM Fee: Out-of-Network (within the U.S.)
$2
Minimum Average Balance to Avoid Monthly Service Fee
$2,500
APY (Annual Percentage Yield)
0.05%(Verified 06/21/2024)
Fortera Credit Union Gold Checking Account Review
Fortera Credit Union Gold Checking Account is offered by Fortera Credit Union, a credit union founded in 1954 and based in Clarksville, TN. Fortera Credit Union Gold Checking Account is available in 50 states and Washington, DC.
Key Takeaways
- Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.05% .
- Waivable monthly maintenance fee. $15.00 fee waived for balances of $2,500 or more
- Large minimum initial deposit. You need a minimum deposit of $2,500.00 to open an account. This is a relatively large minimum initial deposit when compared to the other accounts that we track.
- No ATM fees. Fortera Credit Union Gold Checking Account does not charge fees on ATM transactions within its network but there is a fee of $2.00 for out-of-network ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Fortera Credit Union mobile or online banking.
Fortera Credit Union Gold Checking Account Pros & Cons
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Fortera Credit Union Gold Checking Account FAQ
Are business checking accounts from Fortera Credit Union federally insured?
Yes, your business checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does Fortera Credit Union Gold Checking Account offer?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 0.05% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Fortera Credit Union Gold Checking Account offers an APY of 0.05% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $2500.00.
What are the account minimums for Fortera Credit Union Gold Checking Account?
Fortera Credit Union Gold Checking Account requires a minimum initial deposit of $2,500.00 to open an account.
| Description | Amount |
| Minimum Initial Deposit | $2500.00 |
| APY Minimum Balance | $2,500.00 |
| Minimum Balance to Avoid Monthly Fee | $2,500.00 |
What fees does Fortera Credit Union Gold Checking Account charge?
This account charges a monthly maintenance fee of $15.00.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $15.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $31.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $31.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $6.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $15.50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $20.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $50.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does Fortera Credit Union Gold Checking Account offer?
This account includes the following features:
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Fortera Credit Union Gold Checking Account allows you to manage your money online.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 12:00PM