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.

Question 1

Compare your options

Accepted Answer

	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.

Question 2

How do I order checks?

Accepted Answer

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.

Question 3

Visa&reg; Debit Card

Accepted Answer

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.

Question 4

Overdraft Protection Options

Accepted Answer

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.

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

Personal Checking

Standard Checking

Access Checking

Interest Checking