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Performance and value for your business all in one checking account.

Business Optimize Checking provides competitive and unique benefits including:

  • Several options to waive the monthly fee – See Compare Accounts
  • 500 Free Items – Enjoy extra savings and the flexibility of clearing up to 500 deposit and withdrawal items each month in your account.
  • Small Business Line of Credit Discount – Receive up to $100 off the origination fee for a new FAIRWINDS Business Line of Credit.
  • Business Auto Loan Discount – Take advantage of a .25% rate discount off a new FAIRWINDS Business Auto Loan.
  • Visa® Business Debit Rewards Card – Earn UNLIMITED points to redeem for gift cards, travel, entertainment, and merchandise.
  • Issue wire transfers, complete your employee payroll, and download your account information into QuickBooks® from the convenience of your home or office. – See Online Cash Management Solutions
  • Onsite Set-Up – Available with our wire transfer and ACH platforms, a member of the FAIRWINDS Business Services team will help you set up your online banking account onsite at your business.
  • Free Additional Business Operating Account

The Details

Minimum to Open — $

Monthly Service Fee - $25, waived with any one of the following:

  • $15,000 or greater average monthly balance in checking,
    or
  • $15,000 or greater average monthly loan balances,
    or
  • 20 or more posted debit transactions per month,
    or
  • $50,000 average monthly balance in combined deposit and loan balances (excluding certificate of deposits).

Can also be rebated with $10,000 or more monthly deposits from FAIRWINDS Merchant Services (Excluding POGO or CloverGo).

See Service Charge Schedule for additional fees that apply to all FAIRWINDS accounts.