Checking Accounts

One Perfect for You
FAIRWINDS Credit Union offers a variety of checking accounts designed with convenience, simplicity and great value in mind. Whether you are looking for the convenience of free ATM transactions, or the value of earning interest, FAIRWINDS’ checking accounts are built to suit your lifestyle.

Free Checking This account offers exceptional value with no monthly service charge and no minimum balance.	Simply Smarter Checking Receive added convenience and value with the simply smarter choice for checking. If you have a high number of monthly transactions then this account may be for you. Enjoy both free checks and ATM transactions plus much more.	Interest Checking If you would like a higher return on your deposits with FAIRWINDS then Interest Checking is a great fit. Earn interest on your checking deposits plus you will qualify for our Premium Money Market rates.
Free Checking Information	Simply Smarter Information	Interest Checking Information
Compare all checking accounts.

Switch Checking Account Types
Want to switch from one checking account type to another? It's as easy as stopping by one of our branches or calling Member Services at (407) 277-5045. Members may freely switch between Free Checking, Simply Smarter and Interest Checking. The full amount for any applicable service charges will be applied for the month that the checking account was under a certain type. If members switch from a Preferred or Basic checking account they may not switch back to a Preferred or Basic Checking account.

Additional Information, Products and Services

• Legacy Checking Accounts
  These are checking accounts types (Preferred and Basic) that are still open for many members, but have been discontinued.
• Order Checks
  Order checks online, by calling or visiting a branch.
• Debit Cards
  A Debit Card looks like a credit card but works like a check.
• Check 21 and Your Checking Account
  The Check Clearing for the 21st Century Act (Check 21) is designed to speed up and reduce costs involved with the check cashing process.
• Account Reconciliation
  Knowing how much money you have in your account is the best way to protect yourself from the cost and embarrasment of an NSF. However, your account balance isn't what you have in your account right now. You must also factor in any transactions that haven't cleared yet.
• Overdraft Protection
  Overdraft protection may be linked to your checking account at no charge. The amount needed to cover a check can be transferred from a savings account or personal line of credit.
• Regulation D limitations
  Members are limited to a set number of transactions that are completed away from a branch or ATM location.