Help Center: Accounts

When you need to update account information such as your name, address, mailing information or anything else:

• Email us at claimsdept@fortressunion.com
• Stop by your local Fortress Union Bank branch, or
• Send a secure message after you log in to Online Banking

Our nine-digit ABA routing number is 0912-0164-3.

This number is used to help identify your account so they can transfer money to and from your accounts. You can also find it on the bottom left of your checks.

Your 12-digit account number is printed on each check, just to the right of our 9-digit routing number, as well as on deposit slips.  Or, call us at claimsdept@fortressunion.com.

Fortress Union Bank customers have the option to order checks online through our check provider, Deluxe.

Learn more about ordering checks here.

Note: If you typically receive checks discounted or free of charge, please contact your local branch or call claimsdept@fortressunion.com to place your order.

Savings Withdrawal Limits Suspended Indefinitely

Federal Regulation D encouraged saving by limiting the number of pre-authorized withdrawals from savings or money market accounts each month.

With the financial stress caused by the COVID pandemic, Fortress Union Bank followed the Fed’s guidance and extended the suspension of the monthly limits on the number of savings withdrawals made by Internet transfers, mobile transfers, telephone transfers, ACH, etc. indefinitely.

Transfers and withdrawals made in person, by mail, or at an ATM continue to remain unlimited.  Please let us know if you have any questions.

You can open standard personal savings and checking accounts online or visit your local Fortress Union Bank branch to begin banking with us. We have locations in Iowa, Minnesota and South Dakota.

Make sure you bring a Social Security card, government-issued photo ID such as a driver’s license,  state ID or passport, and the account information for any bank you’ll be transferring funds from.

Note that each of our accounts requires a minimum opening deposit depending upon the type of account you wish to open.

Fortress Union Bank works hard to make sure all our customers have opportunities to earn interest on their money when they bank with us.

Review our current deposit rates here.

• Stop by one of our locations or mail your opening deposit to: Fortress Union Bank New Accounts, 1920 Center Creek Drive, Fairmont, MN 56031.
• Transfer funds electronically from another financial institution
• Use a debit or credit card
• Wire transfer

An overdraft is when you don’t have enough money in your card to cover a transaction, so Fortress Union Bank covers it instead. By default, Fortress Union Bank only authorizes and pays for overdrafts for:

• Checks and other transactions made using your checking account number.
• Automatic bill payments.

We do not authorize and pay overdrafts for the following types of transactions unless you request it:

• ATM transactions.
• Everyday debit card transactions.

We pay overdrafts at our discretion. This means we don’t guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

Under our standard overdraft practices:

• We will charge you a fee of up to $33.00 each time we pay an overdraft.
• There is a limit of six fees per day we can charge you for overdrawing your account.

We offer overdraft protection plans, such as a pre-approved line of credit or a link to a savings account, which may be less expensive than our standard overdraft practices.

To learn more about overdraft protection, contact us at claimsdept@fortressunion.com.

If you also want Fortress Union Bank to authorize and pay overdrafts on ATM and everyday debit card transactions, you must “opt in” and consent to this service.

You can visit any location or opt in online with our Courtesy Overdraft ATM/Debit Card Opt In form.

Direct deposits allow you to automatically deposit funds to your accounts.

Most customers set up direct deposit by filling out employer-provided forms. They might ask for the type of account, the account number, and the bank’s name, routing number, and address.

Alternatively, some employers ask for a letter from your bank. Customers can find a Fortress Union Bank direct deposit letter here. Use the letter to identify which account(s) you wish to have your paychecks deposited.

When you set up automatic payments (or direct debit) funds are withdrawn from your accounts which can help you avoid late payments.

Automatic payments are usually set up with the service provider you’re paying (utilities company, cable company, etc.). When setting up automatic payments, a vendor will usually ask for the type of account, the account number, and the bank’s name, routing number, and address.

If you prefer to use mail to set up automatic payments or switch from an old account to a new one, use Fortress Union Bank’s Update Your Automatic Payment Letter.

• Open your Fortress Union Bank account. Visit any of our locations and we’ll help you find the right account for you. Or, open it online
• Stop using your old account. We know old habits die hard, but now that you’ve opened up your new account, it’s time to start using it.
• Switch any direct deposits and automatic payments to your Fortress Union Bank account. Keep your old account open with enough funds to cover all outstanding checks, final direct deposits and/or automatic payments have cleared.Meanwhile, start getting in touch with your employer and service providers to switch direct deposits and/or automatic payments to your new Fortress Union Bank account. Feel free to use our letter samples:  Update Your Automatic Payment Letter, Request Direct Deposit Letter.
• Close your old account. After all outstanding checks, final direct deposits and/or automatic payments have cleared from your old account and are redirected to your new account, use our pre-written letter to close your old account:  Close Your Old Account Letter.

NOTE: Some companies require the use of their own forms to initiate the switching of accounts. Either way, don’t just move all your cash and call it a day. Old payments may still clear your account. Make sure you formally notify your old bank to avoid potential fees.

Once you’re sure you won’t need them anymore, securely destroy them or bring your old checks to any Fortress Union Bank branch and we can recycle them for you.

Cut it up and throw it in the garbage. It’s difficult, but not necessarily impossible for a fraudster to use an old and even expired debit card, so always err on the side of caution.

A wire transfer is a highly secure electronic transfer of funds between two banks. A domestic wire transfer usually takes 24 hours or less. An international wire transfer typically takes two or three business days but may take as many as five in some cases.

View details to wire funds from an external account to Fortress Union Bank.

Fortress Union Bank customers can initiate a wire transfer at one of our locations. Email claimsdept@fortressunion.com for more information.