Fortifi Bank

Commercial bank · Berlin, United States

Fortifi Bank is a Wisconsin community bank dating to 1876, owned by First Berlin Bancorp, with USD 752 million of assets and USD 611 million of domestic deposits at 30 June 2026 across ten offices, all in Wisconsin. Business customers choose between Free Business Checking with unlimited free transactions and no monthly fee, an interest-bearing account with 300 free transactions, and an analysed Treasury Checking account with an earnings credit. Treasury management covers ACH and wire origination, a target-balance sweep into an FDIC-insured interest-bearing account and ACH block and filter controls. The bank is an SBA Preferred Lending Partner and passes card acceptance to a partner, Wind River.

Legal name: Fortifi Bank
Regulated by: FDIC (deposit insurance, certificate 5286), Wisconsin Department of Financial Institutions
Licence confirmed: yes, on a regulator's own list
Established: 1876
Website: www.fortifibank.com

Scores, 0 to 10

7.5Lowest fees

Free Business Checking has no monthly service fee and unlimited free transactions on a USD 100 opening deposit; the interest-bearing account charges USD 10 a month only if a USD 500 minimum daily or USD 2,500 monthly average balance is missed. · source

6.5Financial strength & stability

Total risk-based capital of 16.62% and tier 1 risk-based capital of 15.36% at 30 June 2026 with a 1.40% return on assets, on a small balance sheet of USD 752 million and no public credit rating. · source

5.0United States

Ten offices, all in Wisconsin, holding USD 611 million of domestic deposits at 30 June 2026, with ACH and wire origination available online to business customers. · source

5.0On-ramp: buy crypto with fiat

Evidence is thin: Fortifi sells no crypto, publishes no rule on business payments to crypto exchanges and no reports of blocked transfers were found, checked September 2026. · source

5.0Off-ramp: crypto to fiat in a business account

Evidence is thin: no source-of-funds process for crypto proceeds is published and no reports of returned exchange wires at Fortifi were found, checked September 2026. · source

4.5Best interest on business balances

Business Interest Checking earns interest and excess funds sweep into an FDIC-insured interest-bearing account above a target balance, but no annual percentage yield is published for either. · source

4.5Startups & VC-backed companies

Fortifi is an SBA Preferred Lending Partner offering SBA loans, term loans and lines of credit, but publishes no venture debt, pre-revenue account or startup programme. · source

4.5Customer satisfaction

The Fortifi Bank app scores 3.35 out of 5 from 20 US App Store ratings, a small sample and well below the 4.7 to 4.9 typical of larger US bank apps. · source

4.5Business cards (Visa, Mastercard)

A Mastercard business debit card can be issued to several employees with automatic transaction tracking and mobile pay, and a business credit card page exists, but no rate, fee, virtual card or spend control is published. · source

4.0Fast digital onboarding

No online business account application is published; accounts start with a USD 100 opening deposit and lending decisions are made at the local branch. · source

3.5Online businesses: e-commerce and SaaS

Card acceptance is available through a partnership with Wind River, but there is no multi-currency collection account or marketplace payout product. No banking API, no accounting or payment platform integration and no foreign currency receiving account; a software company is treated as any local business. · source

3.0Crypto-friendly bank

No policy on crypto exchanges, brokers or miners is published; the business menu covers checking, savings, debit and credit cards, treasury management and lending only. · source

3.0Fintech companies that need a partner bank

Nothing is published on safeguarding accounts, sponsor banking, BIN sponsorship or rail access for payment firms. · source

3.0Foreign-owned & non-resident companies

No policy is published for companies whose owners or directors live abroad, and accounts and loan decisions run through a Wisconsin branch. · source

3.0High-risk verticals (iGaming, cannabis, adult, forex)

No acceptable use or prohibited business list covering gambling, cannabis, adult content or forex brokers is published on the site. · source

2.0Cross-border payments, FX and multi-currency accounts

The ACH and wire services page describes sending and receiving payments from vendors and employees with no foreign currency or international corridor, and no foreign exchange product exists on the site. ACH and wire origination, a target-balance sweep and ACH block and filter are offered, all in US dollars with no multi-currency account or cash pooling. · source

1.5Trade, manufacturing & import-export

No letters of credit, guarantees, documentary collections or supply chain finance appear anywhere on the business site. · source

1.0Crypto wallet and custody for a business

No crypto custody or wallet for business clients: the Fortifi Bank site search returns no results for crypto, bitcoin or stablecoin, and the business menu covers checking, savings, cards, treasury management and lending, checked September 2026. · source

1.0Accept crypto payments

No crypto acceptance for merchants appears anywhere on the Fortifi Bank site, checked September 2026. · source

1.0Bitcoin

No bitcoin buying, custody or funds: the site search returns no results for bitcoin, checked September 2026. · source

1.0Ethereum

No ether product of any kind appears on the Fortifi Bank site, checked September 2026. · source

1.0Stablecoins (USDC, USDT and others)

No stablecoin accounts, payouts or settlement network membership: the site search returns no results for stablecoin, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.