Debit cardholders have no limit on the number of free PIN transactions per month, except for non-Fort Financial ATMs 1 . 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 . 1 Transaction 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.

Checking Accounts

Q: How do I order checks?

Fort Financial members can order checks through Deluxe . You can also order checks by signing into online/mobile banking and selecting your checking account, and then the "Order Checks" widget. Please call us at 260.432.1561 option 3 if you need help ordering checks.

Q: Overdraft Protection Options

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. Members have 30 days to bring their account current for Courtesy Pay coverage. Access Checking accounts do not qualify Courtesy Pay.

Which checking account is right for you?

Our personal checking accounts provide the convenience and flexibility you need to help manage your money more efficiently. Whether you want a basic, no-frills checking account, early access to your direct deposit funds, or an interest-bearing account with easy access to funds, we have you covered.

All Fort Financial checking accounts offer:

Online and mobile banking
Bill pay
eStatements
Visa^® debit card
Overdraft protection options
Surcharge-free access to thousands of ATMs nationwide through the Alliance One ATM Network
Account access at 5,000 participating locations nationwide in the CO-OP Shared Branch Network
Free basic check design with net direct deposit when ordered through Deluxe

Standard Checking

A basic checking account that gives you access to your funds at any time
$25 minimum opening balance
No monthly service fee

Open an Account

Access Checking

Early access to direct deposit funds*
No overdraft fees**
$25 minimum opening balance
No monthly service fee if member meets all 3 requirements:
- 10 or more debit card transactions per month
- $500 in direct deposits per month
- Enrolled in eStatements

Open an Account

Interest Checking

Earn dividends on your funds while maintaining convenient access
$25 minimum opening balance
$500 minimum balance to earn dividends
$5 monthly service fee if balance falls below $5,000 at any time in the month. First month’s fee is waived.

Open an Account

Compare your options

	Standard Checking	Access Checking	Interest Checking
Perfect for	Accessing your funds at any time.	Getting your direct deposit earlier* and saving on overdraft fees.**	Earning dividends on your funds while giving you access to them at any time.
Minimum opening balance	$25	$25	$25
Dividend bearing	No	No	Yes
Minimum balance to earn dividends	NA	NA	$500
Overdraft Protection	$3 per transfer	Free**	$3 per transfer
Courtesy Pay	$33 per transaction	Not eligible	$33 per transaction
Monthly service charge	$0	$5.95 unless member meets the following qualifications: 10 or more debit card transactions per month $500 in direct deposits per month Enrolled in eStatements	$5 if balance falls below $5,000 at any time during the month. First month's fee is waived.
Open your checking account online.

Interest Checking Rates

Effective Date: Tuesday, October 7th, 2025

Subject to change. APY = Annual Percentage Yield. Dividends are calculated daily and credited monthly.

Rate	Annual Percentage Yield	Dividend Rate
Interest Checking	0.10%	0.10%
Minimum to earn dividends is $500

How do I order checks?

Visa® Debit Card

Overdraft Protection Options

*Early access to funds is dependent on the timing when the payment file is submitted by the employer. We generally makes these funds available on the day the payment file is received which may be up to two days earlier than the scheduled payment date.

**Overdraft transfer fee will be waived for transactions with insufficient funds in an Access Checking account. NSF fees still apply.