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We are excited that Citizens Bank of Florida is merging with FAIRWINDS. We look forward to the opportunity to provide you with the exceptional service and value you’ve come to expect, including a full suite of commercial and personal banking solutions. The merger is anticipated to be completed in January 2022.

The system conversion is expected to occur toward the end of the first quarter in 2022. You will receive communication directly with detailed explanation of any and all account changes, FAIRWINDS services you can use, and all important information as the date approaches.

Keep checking this website for ongoing important information and updates.

Important! Your Membership Opt-In

A packet of information was sent to you in November 2021 and includes your Membership Opt-In Agreement, an important step to officially become a member of FAIRWINDS.

Here’s how you can opt-in:

  • Mail: Complete the Opt-In Agreement form that was mailed to you and send it back to FAIRWINDS in the enclosed business reply envelope.
  • In-person: Drop the form off at your nearest Citizens Bank or FAIRWINDS branch location.
  • Email: Complete the Opt-In Agreement form, scan, and email to
  • Fax: Complete the Opt-In Agreement form and fax to 407.206.4077.

Have questions? Give us a call at 407.206.8149 or 866.365.9081 or stop by your branch.