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Fee Saving Ideas

Here are some helpful tips that may help you reduce the number and amount of fees you pay.

• Apply for an Personal Line of Credit.
  This can be attached to your account and will not cost you anything unless you use it. The rates are low and it will be less expensive than paying NSF fees and merchant fees if a problem occurs.



• Set up a direct deposit or automatic payment transfer for your loans.
  Doing this will not only save you possible late fees but it will also protect your credit.



• Enjoy the convenience of the Premium Overdraft Protection.
  You can avoid the expense of merchant fees associated with NSFs.



• Try out the Call 24 or FAIRWINDS Online services.
  You can use these free services to keep track of your account balance and transfer funds if needed.