We pride ourselves on building longstanding relationships with our members. Each member is assigned a relationship level on the last day of every month. Your current relationship level can be found on your most recent monthly statement. With our relationship program, you can receive special incentives and discounts just for maintaining minimum balances and active accounts.
Each relationship level is outlined below. You can find more information in the Relationship FAQ.
Relationship Levels
A Student relationship lets those just starting out make the most of their money by providing time savings and convenience solutions with no monthly relationship fee.
- Requirements: Member under the age of 24
- Loan Discount: None
- Certificate Bonus: None
- Mortgage Closing Bonus: None
- Paper Statement Fee: $2.00 per statement*
- Relationship Fee: Free
- Coin Processing: Free
- Check Cashing Fee: Free
- Cashier's Check: $5.00
*Paper statement fee waived with eStatements
No minimum balance? No problem. Basic members have access to Fort Financial’s products and services with a low monthly relationship fee. Additional fees apply for some services.
- Requirements: Member over the age of 24 and Does not meet the Classic or Premier criteria
- Loan Discount: None
- Certificate Bonus: None
- Mortgage Closing Bonus: None
- Paper Statement Fee: $2.00 per statement*
- Relationship Fee: $2.00 per month
- Coin Processing: 10%
- Check Cashing Fee: $3.00 per item
- Cashier's Check: $5.00
*Paper statement fee waived with eStatements
With a Classic relationship, you gain free access to services such as coin processing and check cashing, as well as special discounts on cashier’s checks and mortgage closing costs. You don't have a monthly relationship fee either.
- Requirements:
- Minimum balance of $500 or
- Open Fort Financial loan (auto, recreational vehicle, signature personal and Credit Builder Plus loans) or
- Active Fort Financial credit card
- Loan Discount: None
- Certificate Bonus: None
- Mortgage Closing Bonus: $100.00
- Paper Statement Fee: $1.00 per statement*
- Relationship Fee: Free
- Coin Processing: Free
- Check Cashing Fee: Free
- Cashier's Check: $3.00
*Paper statement fee waived with eStatements
Access Checking account members have free access to services such as coin processing and check cashing, as well as special discounts on cashier’s checks and mortgage closing costs. And you pay no monthly relationship fee. Access Checking account fee may apply.
- Requirements: Access Checking account
- Loan Discount: None
- Certificate Bonus: None
- Mortgage Closing Bonus: $100.00
- Paper Statement Fee: Free*
- Relationship Fee: Free
- Coin Processing: Free
- Check Cashing Fee: Free
- Cashier's Check: $3.00
*Access Checking accounts are charged a $5.95 monthly service fee if members are not enrolled in eStatements, do 10 or more debit card transactions or have received at least $500 in direct deposits.
If you have an active Fort Financial checking account and direct deposit, along with higher deposit balances or a minimum loan amount, you can gain special loan discounts, certificate rate bonuses and discounts on a variety of services through our Premier relationship, all with no monthly relationship fee.
- Requirements:
- Minimum deposit balances of $10,000 or Minimum loan balances of $10,000, and
- Must have an active Fort Financial checking account, and
- Must have received a direct deposit of at least $250 within the last 30 days
- Loan Discount: -0.25% APR*
- Certificate Bonus: 0.25% APY**
- Mortgage Closing Bonus: $250.00
- Paper Statement Fee: Free
- Relationship Fee: Free
- Coin Processing: Free
- Check Cashing Fee: Free
- Cashier's Check: Free
*Annual Percentage Rate
**Annual Percentage Yield
Access Checking account members who have direct deposit along with higher deposit balances or a minimum loan amount, gain special loan discounts, certificate rate bonuses and discounts on a variety of services through our Access Premier relationship, all with no monthly relationship fee. Access Checking account fee may apply.
- Requirements:
- Minimum deposit balances of $10,000 or Minimum loan balances of $10,000, and
- Access Checking account, and
- Must have received a direct deposit of at least $500 within the last 30 days
- Loan Discount: -0.25% APR*
- Certificate Bonus: 0.25% APY**
- Mortgage Closing Bonus: $250.00
- Paper Statement Fee: Free***
- Relationship Fee: Free
- Coin Processing: Free
- Check Cashing Fee: Free
- Cashier's Check: Free
*Annual Percentage Rate
**Annual Percentage Yield
***Access Checking accounts are charged a $5.95 monthly service fee if members are not enrolled in eStatements, do 10 or more debit card transactions and have at least $500 in direct deposits
If you have any additional questions, please contact us. We’ll be happy to discuss your relationship with us, including how to take advantage of these incentives.
- Paper statement fee is waived for members 65 years or older, or less than 18 years old.
- Check cashing fee is assessed for directly cashing a check without a compensating balance in an existing account at Fort Financial.
- HSA and business accounts excluded from a relationship level fee.
- All deposit accounts and loans within the individual’s membership are counted toward their qualifying level, plus any loan where the individual is a co-borrower.
- Loans must be in good standing (no more than 10 days past due) in order to be counted as a valid qualification.
- The relationship level will be assigned to the member on the last day of the month.
- Loan discount excludes mortgages, lines of credit, shared secured loans, credit cards, student loan refinances, home equity loans and home equity lines of credit.
