Business Deposit Accounts

• Savings: FREE (First 100 items deposited or presented for payment)
  • Per Item Fee: $0.25 per item (Each additional item deposited or presented after 100)
  • Paper Statement Fee: $5 per month
  • Inactive Business Account Fee: $5 per month (after 180 days of no activity)
• Small Business Checking: FREE (First 100 items deposited or presented for payment)
  • Per Item Fee: $0.25 per item (Each additional item deposited or presented after 100)
  • Service Fee: $5 if Average Daily Balance falls below $5,000 in a calendar month
• Business Checking: FREE (First 250 items deposited or presented for payment)
  • Per Item Fee: $0.15 per item (Each additional item deposited or presented after 250)
  • Service Fee: $20 if Average Daily Balance falls below $20,000 in a calendar month
• Non-Profit Checking: FREE (First 500 items deposited or presented for payment)
  • Per Item Fee: $0.15 per item (Each additional item deposited or presented after 500)

Fort Financial now offers payment solutions to fit your business needs. By utilizing our merchant services, businesses can expand their payment options, improve cash flow, enhance customer convenience, and streamline their financial operations.

To learn more about Merchant Services, click here or contact Andrew Krouse at andrew.krouse@fortfinancial.org or 260.435.5192.

Debit cardholders have no limit on the number of free PIN transactions per month, except for non-Fort Financial ATMs¹. Out-of-network ATM fees still apply. Fort Financial-owned ATMs are always free.

When you make a purchase with your Fort Financial-issued debit card, choose CREDIT instead of DEBIT. By selecting CREDIT, you will be able to take advantage of zero-liability fraud protection and consequently further protecting your PIN from being stolen.

Don’t forget to load your debit card into your phone’s Apple Pay, Google Pay or Samsung Pay for a convenient payment option. Learn more.

¹Transaction fee from non-Fort Financial ATM: Debit cardholders can make 5 free transactions per month. After you reach your 5 free non-Fort Financial ATM transactions per month, there is a $1 fee for each subsequent ATM transaction.

• Overdraft Protection – $3 per transfer
  • Overdraft Protection gives you peace of mind knowing that we will transfer funds from your savings account to cover drafts from checking accounts.
  • Overdraft loans (lines of credit) are attached to checking accounts to provide protection from overdrafts and are available for no fee. You can set the sequence in which accounts are accessed to cover overdrafts.
• Courtesy Pay – $33 per transaction
  • Courtesy Pay may cover your insufficient funds checks, up to your approved limit, for one low fee, per covered overdraft transaction. That means, instead of returning a check to the merchant because of insufficient funds, we may pay your check, saving you additional charges from the merchant collection companies, in addition to the credit union’s insufficient fund fee. It saves you the embarrassment an inadvertent overdraft can cause and also helps protect your credit rating.

From 401k rollovers to investment and insurance services, our wealth management representative can explain your options and guide you to what’s best for you and your business.