Business Checking Accounts

FAIRWINDS offers a variety of business checking accounts designed with convenience, simplicity, and great value in mind.  We combine versatility with the options you need to provide the most effective way to manage your finances. 

 

Business Analysis Checking

Our Business Analysis Checking account helps you manage transaction volume and provides access to online cash management solutions.

Business Optimize Checking

The FAIRWINDS Business Optimize is an ideal solution for established businesses that have a high volume of checking account activity. This account is designed to help you off-set and waive fees based upon how your business operates.

Business Optimize Checking provides competitive and unique benefits including:

  • Free, unlimited Business Debit Rewards
  • Several options to waive the monthly fee
  • A business auto loan discount
  • Loan origination fee discounts
  • And more!

Business Innovate Checking

The FAIRWINDS Business Innovate Account helps expanding businesses enjoy the accessibility of our online and mobile solutions and the perks of rewards points.

Business Innovate Checking provides unique benefits including:

  • Unlimited Business Debit Rewards
  • Options to waive the monthly fee
  • A high monthly item count of 200 transactions

Business Grow Checking

The FAIRWINDS Business Grow Account is a cost-effective solution designed for businesses with low to moderate account activity or if you’re looking to establish a business account relationship.

Business Grow Checking provides savings and benefits including:

  • No monthly fee
  • The first 10 bills free with Online Bill Payer
  • The first 25 items free
  • And more!

How Can You Make Your Capital Work for You?

Like extra perks for your business? Business Rewards Checking members enjoy added convenience and value with 500 free monthly transactions and an online platform designed specifically for your business needs.

Ideal for businesses with high transaction volumes, the Business Analysis Checking account helps you save money by offering a valuable earnings credit to offset fees.

Business Checking offers exceptional value with no minimum balance requirements, nominal monthly service charge and many FREE benefits.

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Overview

A cost-effective solution designed for businesses with low to moderate account activity, accessible wherever you are. Expanding businesses can enjoy the accessibility of our online and mobile solutions and the perks of rewards points. An ideal solution for established businesses that have a high volume of account activity. Enjoy a comprehensive suite of cash management solutions and the value of an earnings credit which helps offset fees.

Best for you if...

You process fewer than 25 items per month. You utilize your business debit card at least 15 times per month.**

OR

You have at least $5,000 or more in monthly deposits from FAIRWINDS Merchant Services (excludes POGO).
Your average monthly Optimize Account balance is $15,000 or greater.

OR

Your average monthly combined deposit and loan balance is $50,000 or greater (excluding certificate of deposits).

OR

You utilize your business debit card at least 20 times per month.**

OR

You have at least $10,000 in monthly deposits from FAIRWINDS Merchant Services (excludes POGO).
You have a high volume of account activity and are looking for an earnings credit solution.

Monthly Service Fee*

$0 $12
Waived or rebated by completing one of the items above
$25
Waived or rebated by completing one of the items above
$15
Earnings credit can be used to offset service fee

Number of Combined Items Free

25
$0.50 each
additional item
200
$0.35 each
additional item
500
$0.25 each
additional item
None
$0.15 per item

Auto Loan Discount

N/A N/A .25% rate discount on new business auto loan N/A

Business Line of Credit Discount

N/A N/A Up to $100 off origination fee for new Business Line of Credit N/A

Additional Business Operating Account

N/A N/A Available
Includes 100 items free $0.25 each additional item
N/A

Qualifies for Premium Business Money Market

N/A N/A Yes Yes

Business Visa® Debit Card

Free Free
Includes Debit Rewards
Free
Includes Debit Rewards
Free
Includes Debit Rewards

Free Business Visa® Debit Card Transactions

Unlimited Unlimited Unlimited Unlimited

Business Mobile Banking

Free
(Text and data rates may apply.)
Free
(Text and data rates may apply.)
Free
(Text and data rates may apply.)
Free
(Text and data rates may apply.)

Business Mobile Deposit

Free Free Free Free

Business Online Banking

Free
(Includes free reporting and alerts.)
Free
(Includes free reporting and alerts.)
Free
(Includes free reporting and alerts.)
Free
(Includes free reporting and alerts.)

Online Authorized User Capability

Available Available Available Available

Business Bill Payer

First 10 Bills Free Free Free Free

Online Cash Management Solutions

Available

Includes: Wire transfers, ACH origination including employee direct deposit, account receivables, account payables, etc.
Available

Includes: Wire transfers, ACH origination including employee direct deposit, account receivables, account payables, etc.
Available
(Implementation fees waived)

Includes: Wire transfers, ACH origination including employee direct deposit, account receivables, account payables, etc.
Available
(Implementation fees waived)

Includes: Wire transfers, ACH origination including employee direct deposit, account receivables, account payables, etc.

Minimum to Open

$100 $100 $100 $100

Overdraft Protection

$10 per daily occurrence $10 per daily occurrence Free Free

Early Account Closing Free

$25 if closed
in 90 days
$25 if closed
in 90 days
$25 if closed
in 90 days
$25 if closed
in 90 days
More Info
Business Grow Checking
More Info
Business Innovate Checking
More info
Business Optimize Checking
More info
Business Analysis Checking

* Monthly fee is waived for the first month of each checking account.
** ATM transactions do not count as debit transactions.