Running a business comes with enough challenges. Your banking relationship shouldn’t be one of them.
At Fort Financial, we believe local businesses deserve a financial partner who understands their goals, their challenges, and the communities they serve.
Whether you’re just getting started or continuing to grow, we offer business checking, savings, and lending solutions designed to support you at every stage.
Our experienced team takes the time to get to know you and your business, providing personalized guidance and customized financial solutions, from cash flow support and equipment financing to real estate and construction loans.
And because every decision is made right here at our headquarters in Fort Wayne, you won’t be left waiting for answers or approvals. You’ll get responsive service, local expertise, and real people who know your name.
At Fort Financial, your business isn’t a number — it’s your livelihood.
Local presence. Local decisions. Real difference.
Connect with our business team today to learn more about account options, loan solutions, qualifications, and current rates. Call 260.432.1561, select Option 4 for Lending, then Option 2 for Business Lending, or send our team an email.
Business Accounts
Your business needs a secure, reliable place to manage cash flow and keep operations running smoothly. Our business deposit and checking accounts provide the security you expect with the convenience and flexibility you need to run your business.
Manage your finances the way that works best for you, in branch, by phone, or online, with accounts designed to support your day-to-day operations.
Ready to open a business account? Bring the required documents to your nearest branch and our team will help you get started.
Business Savings Options
Business Prime Savings Account
- Required savings account that establishes your membership at Fort Financial
- $5 minimum opening deposit
- $50 minimum balance to earn dividends
- First 100 items deposited or presented for payment are free
- Each additional item deposited or presented for payment is $0.25
Visit a branch to open an account
Business Money Market Accounts
- Earn a higher dividend rate than a traditional business savings account while maintaining access to your funds
- $100 minimum opening deposit
- All balances qualify to earn dividends
- Unlimited transactions
- $250 minimum per transaction
Visit a branch to open an account
Business Certificates
- Save money for a set period of time while earning a set rate of return
- $500 minimum opening balance
- 12- to 60-month terms available
- No additional deposits are permitted except at maturity
- A penalty will incur if any principal is withdrawn before the maturity date
Visit a branch to open an account
Business Checking Options
Small Business Checking Accounts
- For businesses with a low volume of transactions
- $100 minimum opening deposit
- First 100 items deposited or presented for payment are free
- Each additional item deposited or presented for payment is $0.25
- $5 service fee if Average Daily Balance falls below $5,000 in a calendar month
- First month's fee is waived.
Visit a branch to open an account
Business Checking Accounts
- For businesses with a higher volume of transactions
- $100 minimum opening deposit
- $10,000 minimum balance to earn dividends
- First 250 items deposited or presented for payment are free
- Each additional item deposited or presented for payment is $0.15
- $20 service fee if Average Daily Balance falls below $20,000 in a calendar month
- First month's fee is waived
Visit a branch to open an account
Non-Profit Checking Accounts
- Exclusively for tax-exempt organizations
- $100 minimum opening deposit
- $5,000 minimum balance to earn dividends
- First 500 items deposited or presented for payment are free.
- Each additional item deposited or presented for payment is $0.15
- No monthly service fee
Visit a branch to open an account
All Fort Financial business deposit accounts offer:
Savings Rates
Effective Date: Friday, March 27th, 2026
Subject to change. APY = Annual Percentage Yield. The APY is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield | Dividend Rate | Minimum to Earn Dividends |
| Business Prime Savings* |
0.05% |
0.05% |
$50 |
| Business Money Market Accounts** Tiered Rates |
| |
0.05% |
0.05% |
$100 - $9,999.99 |
| |
0.15% |
0.15% |
$10,000 - $24,999.99 |
| |
0.25% |
0.25% |
$25,000 - $49,999.99 |
| |
0.35% |
0.35% |
$50,000 - $99,999.99 |
| |
2.50% |
2.47% |
$100,000+ |
| *$5 minimum opening deposit required |
| **$100 minimum opening deposit |
Certificate Rates
Effective Date: Friday, March 27th, 2026
Subject to change. APY = Annual Percentage Yield. The APY is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. Dividends are calculated daily and credited monthly.
| Certificates Terms | Annual Percentage Yield | Dividend Rate |
| 12-Month Business Certificate |
3.50% |
3.44% |
| 18-Month Business Certificate |
3.00% |
2.96% |
| 24-Month Business Certificate |
3.00% |
2.96% |
| 30-Month Business Certificate |
3.00% |
2.96% |
| 36-Month Business Certificate |
2.75% |
2.72% |
| 48-Month Business Certificate |
2.75% |
2.72% |
| 60-Month Business Certificate |
2.75% |
2.72% |
| Minimum balance to open a Business Certificate is $500 |
Checking Rates
Effective Date: Friday, March 27th, 2026
Subject to change. APY = Annual Percentage Yield. The APY is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield | Dividend Rate | Minimum to Earn Dividends |
| Business Checking* |
0.15% |
0.15% |
$10,000 |
| Non-Profit Checking* Tiered Rates |
| |
0.15% |
0.15% |
$5,000 - $24,999.99 |
| |
0.25% |
0.25% |
$25,000 - $49,999.99 |
| |
0.35% |
0.35% |
$50,000 - $99,999.99 |
| |
2.50% |
2.47% |
$100,000+ |
| *$100 minimum opening deposit |
- 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, please contact Andrew Krouse by email 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.
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.
Business Calculators
- Financial Ratios - This calculator helps you to zero in on segments of your business that may need attention, including areas like solvency, liquidity, operational efficiency, and profitability.
