Business Preferred Checking Account

The smart, simple way to manage your growing business — so you can focus on what matters most.

Open a Business Account
Businesswomen running a bakery and banking online.

Simple Terms. Powerful Value.

  • Incoming domestic wires1

  • Outgoing domestic wires1

  • Access to Business Insights

  • ATM transactions at 33,000+ nationwide CO-OP ATM locations

  • Desktop Deposit2 (after $35 implementation fee)

  • ACH Transfers3 (after $100 implementation fee) and Online Invoicing

  • 300 deposit and withdrawal items

  • No international debit card transaction fees

  • $100 Opening Deposit

  • $15 Monthly Service Charge

  • $0.35 per transaction over free item count

Waive Goodbye to Monthly Fees

You’re focused on your business. We’re focused on helping you save. That’s why we make it simple to waive the monthly fee and keep more of what you earn.

Complete ANY one of these options each month to waive the $15 monthly service fee.

Maintain a combined average monthly balance of $7,500 or more

Spend $1,000 or more with your FAIRWINDS Visa® Debit Card Monthly

Deposit $4,500 or more through FAIRWINDS Merchant Services or Autobooks

View the Business Service Charge Schedule for more details.

One App. Every Business Banking Tool.

No more juggling logins or switching between platforms. With FAIRWINDS Business Banking Suite, you get a single, streamlined app that connects your business checking account with the tools you use every day.

Pay Vendors

Send payments to vendors quickly and securely. Use Bill Pay or ACH transfers to keep your business moving, right from your phone.

Smiling woman wearing a blue shirt and dark apron holding a digital tablet, standing at the entrance of a flower shop with floral arrangements visible in the background.

Manage Cards

Manage your cards with security and peace of mind. Instantly lock or unlock your FAIRWINDS Debit and Business Credit Cards from the app, and easily track your cash back and other rewards.

Smiling man in a gray blazer using a smartphone, overlaid with a digital banking interface showing card management options and a FAIRWINDS debit card with details and lock/unlock controls.

Deposit Checks

Deposit checks into your business account anytime, anywhere — no branch visit required. Use Desktop or Mobile Check Deposit for fast, secure banking on your schedule.

Smiling man wearing glasses uses a tablet, overlaid with graphics of a mobile check deposit screen and a “Quick order” check ordering interface, representing digital banking features.

Manage Payroll

Quickly pay your employees using direct deposit with no checks and no hassle. Enjoy fast, secure, and paperless payroll made simple.

Man wearing glasses and a dark blue shirt leaning on a desk while working on a laptop in a modern, industrial-style office with exposed brick walls.

Access Business Insights

Make informed decisions using built-in analytics. Track spending, monitor cash flow, and forecast trends that help you stay competitive in your market.

Screenshot of a FAIRWINDS digital banking interface promoting "Business Insights," a financial tool. A banner at the top reads, "Insights without the spreadsheets. Make faster, smarter decisions with a simple view of your most important business numbers," alongside a photo of three professionals collaborating. Below, a card titled "Business Insights" features a stylized financial graph and a button labeled “Open Business Insights.” Navigation options "Home," "Accounts," and "Asset Summary" appear beneath.
A woman wearing glasses and an apron sits at a wooden desk in a small business or shop, working on a laptop and taking notes in a planner. The desk holds various items including skincare products, a payment terminal, a landline phone, a notepad, a coffee mug, and a receipt printer. Natural light comes through large windows, and a plant is visible in the corner, creating a cozy, organized workspace.

Let's Grow Together

We believe you should grow your business — not your debt. That’s why we don’t push products. We build relationships and offer smart solutions right when you need them. From startup to scale-up, these are the reasons businesses choose FAIRWINDS.

Open a Business Account

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Convenience

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Control

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Support

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Simplicity