Fortera Federal Credit Union

Headquarters: Clarksville, Tennessee
Charter: Credit Union
Assets: $946.7M
Fed district: Atlanta

26 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 23, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Full Circle Checking
Fortera Federal Credit Union: $7.50
Fortera Federal Credit Union: $7.50
U.S. median: no median
Overdraft (OD)
Fortera Federal Credit Union: $31
Fortera Federal Credit Union: $31
U.S. median: no median
NSF / Returned Item
Fortera Federal Credit Union: $31
Fortera Federal Credit Union: $31
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Tennessee, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Tennessee: Banks and credit unions headquartered in Tennessee that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from Fortera Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Full Circle Checking Monthly Fee$7.50
per month
Closing Account (within 120 days)$15
Inactivity Fee$10
per month
Research Fee (minimum 1 hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Statement Reconciliation (by appt)No charge
Paper Statement Fee$3
per month

Overdraft & NSF

Courtesy Pay$31
per item
Overdraft Fee$31
per item
Non-Sufficient Funds (NSF)$31
per item

ATM & Card

Use of Non-Fortera ATM$2
per item
Replacement Debit Card$6
per item
Rush Debit Card Delivery$45
International Transaction Fee1%of the transaction

Wire Transfers

Wire Transfer (Domestic) – Outgoing$20
per item
Wire Transfer (Domestic) – IncomingNo charge
Wire Transfer (Int’l) – Outgoing$50
per item
Wire Transfer (Int’l) – IncomingNo charge

Check Services

Cashier’s Check$5
Money Orders$2
per item
Bill Payment Stop Payment$31
per item
Stop Payment (ACH)$15.50
per item
Zelle® Stop Payment$31
per item
Temporary Checks$1
Duplicate Check (copy)$1
per item

Digital & Electronic

Bill PaymentNo charge

Cash & Deposit

Returned Deposit Item Fee$20
per item

Account Services

Notary ServiceNo charge
Late Payment Fee (after 10 days)$10
Not compared: Box drilling or key fee
Safe Deposit Box 10x10 (audience not stated, treated as personal)$50
per year
Safe Deposit Box 3x10 (audience not stated, treated as personal)$30
per year
Safe Deposit Box 3x5 (audience not stated, treated as personal)$15
per year
Safe Deposit Box 5x10 (audience not stated, treated as personal)$40
per year
Safe Deposit Box 5x5 (audience not stated, treated as personal)$30
per year
Legal Processing Fee$60
per item

Other Fees

Copy of Credit Union By-Laws$3
per item
Duplicate Statement Fee$3
per item
Fax Requests$1
Not compared: Charged per page; comparison unavailable
per page
Loan Payment by Phone$10
per item
Returned Loan Payment Fee (except credit cards)$31
per item

Fee	Amount	Basis	Note
Account Maintenance
Full Circle Checking Monthly Fee	$7.50	per month	None
Closing Account (within 120 days)	$15	Not stated	None
Inactivity Fee	$10	per month	None
Research Fee (minimum 1 hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Statement Reconciliation (by appt)	No charge	Not stated	None
Paper Statement Fee	$3	per month	None
Overdraft & NSF
Courtesy Pay	$31	per item	None
Overdraft Fee	$31	per item	None
Non-Sufficient Funds (NSF)	$31	per item	None
ATM & Card
Use of Non-Fortera ATM	$2	per item	None
Replacement Debit Card	$6	per item	None
Rush Debit Card Delivery	$45	Not stated	None
International Transaction Fee	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer (Domestic) – Outgoing	$20	per item	None
Wire Transfer (Domestic) – Incoming	No charge	Not stated	None
Wire Transfer (Int’l) – Outgoing	$50	per item	None
Wire Transfer (Int’l) – Incoming	No charge	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Money Orders	$2	per item	None
Bill Payment Stop Payment	$31	per item	None
Stop Payment (ACH)	$15.50	per item	None
Zelle® Stop Payment	$31	per item	None
Temporary Checks	$1	Not stated	None
Duplicate Check (copy)	$1	per item	None
Digital & Electronic
Bill Payment	No charge	Not stated	None
Cash & Deposit
Returned Deposit Item Fee	$20	per item	None
Account Services
Notary Service	No charge	Not stated	None
Late Payment Fee (after 10 days)	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10 (audience not stated, treated as personal)	$50	per year	None
Safe Deposit Box 3x10 (audience not stated, treated as personal)	$30	per year	None
Safe Deposit Box 3x5 (audience not stated, treated as personal)	$15	per year	None
Safe Deposit Box 5x10 (audience not stated, treated as personal)	$40	per year	None
Safe Deposit Box 5x5 (audience not stated, treated as personal)	$30	per year	None
Legal Processing Fee	$60	per item	None
Other Fees
Copy of Credit Union By-Laws	$3	per item	None
Duplicate Statement Fee	$3	per item	None
Fax Requests	$1Not compared: Charged per page; comparison unavailable	per page	None
Loan Payment by Phone	$10	per item	None
Returned Loan Payment Fee (except credit cards)	$31	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 23, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Fortera Federal Credit Union's safe deposit box changes in our data

We check once a day and send one email covering every change.