Fortuna: Digital Banking 1.0.8

This review examines Fortuna, a digital financial platform currently available exclusively through participating employers. Fortuna aims to redefine personal financial management by providing a suite of tools designed to facilitate on-the-go money management, timely bill payments, earning APY rewards, monitoring credit scores, and more. The platform seeks to support users in cultivating a more secure financial future.

The Fortuna App offers the following features:

• Access to wages as they are earned, subject to employer participation*
• Interest rewards of 3.00% APY** on account balance when using the All-in-One account
• Credit score viewing capabilities with the All-in-One account
• The ability to receive wages up to two days early relative to scheduled payday*** when using the All-in-One account
• Fund transfers between Fortuna accounts and other banking institutions with the All-in-One product
• Access to fee-free**** in-network Allpoint ATMs at locations such as Target, CVS, and Walgreens (with All-in-One account)
• The option to utilize a virtual card while awaiting receipt of the physical Fortuna Visa® Prepaid Card (with All-in-One account)

Further details and updates can be found at myfortuna.com.

Please note that the availability of features may vary depending on user circumstances and employer arrangements.

*Funds accessible through Earned Wage Access are disclosed within the app. Their availability depends on employment and paycheck history. Participation in Earned Wage Access is contingent upon employer involvement and may not be available universally.

**The Fortuna All-in-One account functions as a prepaid account rather than a traditional interest-bearing checking or savings account. It encourages savings deposits through an exclusive rewards program funded solely by Fortuna. APY rewards are offered on eligible balances up to $10,000 and are subject to change at Fortuna’s discretion. Rewards are calculated daily based on the end-of-day balance, considering the actual number of calendar days per year, and rounded to the nearest cent. This program emphasizes savings behavior through an innovative structure rather than offering conventional interest rates. For current reward details and terms, visit myfortuna.com.

***Receiving your wages via direct deposit into your Fortuna card may result in funds being credited up to two days before the scheduled payday, though this depends on various factors including employer processing times and deposit transfer processes.

****Fees associated with ATM withdrawals outside the network, over-the-counter transactions, lost card replacements, or expedited fund transfers are detailed in the platform’s Terms.

The Fortuna Visa® Prepaid Card is issued by Community Federal Savings Bank, Member FDIC, under license from Visa U.S.A. Inc. Usage of the Fortuna program involves certain fees, terms, and conditions. Fortuna is a product of Grit Financial Inc., a financial technology firm that is not a bank; banking services are provided by Community Federal Savings Bank.