Your Partner
 for Self-Directed Retirement Solutions

We specialize in secure and reliable banking services for
your self-directed retirement accounts.

Contact Us Today

Solo 401(k) Checking Accounts

Accessible + Reliable

Self-Directed IRA with Checkbook Control

Swift + Secure

Non-Recourse Lending
Solutions

Flexible + Efficient

PRODUCTS + SERVICES

Securely Manage Cash Flow For Your Investments

ACH ORIGINATION

WIRE TRANSFERS

REMOTE DEPOSIT

ONLINE BILL PAY

CHECKS

DEBIT CARDS

Fortis Bank provides the deposit account(s) and loan(s) associated with your Self Directed IRA and/or Solo 401(k) Plans. You will work with a qualified trust or investment advisor to setup the retirement plan prior to opening your account or beginning a loan application.

Once your Self-Directed IRA or Solo 401(k) Plan is setup, please contact us for access to our simple online application.

Once your account is setup, please refer to our Add Funds to Your Fortis Bank IRA Guide or contact our IRA Services Team to assist you.

Once your account is setup, please refer to our Add Funds to Your Fortis Bank IRA Checkbook Control Account.

Once your account is setup, please refer to our Contribute to Your Solo 401(k) Guide and our 401(k) Rollover Guide. We also encourage you to contact your current 401(k) Plan Administrator for additional instructions on how to rollover your 401(k) to your Fortis Bank account.

Visit our Client Resources Center for additional information and helpful user guides.

Once your Self-Directed IRA or 401(k) Plan is setup, contact our lending team for additional details.

If you have already started your Self-Directed Bank Account application, please access your information via the Fortis Bank Client Portal.

The standard daily ACH transfer limit is $25,000, and standard daily Wire limit is $500,000.

Yes. There is a $50,000 rolling limit over a 60-day period for ACH transfers. This means your total ACH transfers over any consecutive 60-day period may not exceed $50,000. If you reach your daily or rolling 60-day ACH limit, you will not be able to initiate additional ACH transfers until the limit resets or prior transactions fall outside the 60-day window.

If your investment needs exceed the current limits, please contact us with a completed copy of the Domestic Wire Request or International Wire Request form.

invest beyond the expected

Non-Recourse Lending for Self-Directed Retirement

Put your retirement strategy to work with financing designed specifically for
self-directed investing.

contact our lending team

OUR PROCESS

Setup Your Fortis Bank Account

Open your Self-Directed Retirement account.

Choose Your Property

Explore properties and decide where you invest.

Secure Financing

Apply for a Fortis Bank Non-Recourse loan.

Grow Your Investment

Rental income and capital gains go directly back to your retirement account.

ADDITIONAL INFORMATION

No Personal Liability: the borrower is not personally liable; the lender can only seize the collateral if the loan defaults.

Secured by Collateral: backed by the value of real estate or other assets, limiting lender recourse to the pledged property.

We assess the asset’s value, income potential and risk, rather than your creditworthiness as a borrower.

Down Payments: Often require 30-40% down to mitigate lender risk

Loan Size: $100,000 – $750,000

Advance Rates: up to 70% loan-to-value

Term: 3/1 and 5/1 ARM

Our specialized non-recourse loans are tailored for Self-Directed IRAs and Solo 401(k) real estate investments, ensuring full compliance with IRS regulations.

IRS Rules Prohibit Personal Guarantees:
Self-Directed retirement accounts cannot pledge personal assets or credit.

Protects Retirement Savings: the property itself serves as collateral, keeping your finances and retirement savings secure.

Allows Leverage Real Estate Investments: your IRA or Solo 401(k) can buy real estate without needing the full purchase
amount in cash.

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