A Banking Relationship That Puts Your Needs First
You have options when it comes to protecting your account in the event you run short on funds. FAIRWINDS offers a variety of overdraft services to make sure funds are available when you need them.
Overdraft Transfer Service
This valuable service offers peace of mind knowing your transaction will still process when the funds are not available in your checking account. When you sign up for Overdraft Transfer service, you choose the savings account(s), money market, and/or line of credit you would like linked to your checking account. Funds will automatically transfer from these accounts to cover any overdraft items in your checking account.
There is no charge to sign up for this service. A service charge may apply when an automatic overdraft transfer occurs. Please see the Service Charge Schedule for details.
To add this valuable protection to your account, stop by your favorite branch or call 407.277.5045.
Premium Overdraft Protection
Premium Overdraft Protection is a service that adds a measure of protection to your personal checking account in the event your account is overdrawn. If your account is overdrawn due to a check or ACH withdrawal, this service will clear the item for you.
There is no charge to sign up for Premium Overdraft Protection and enrollment in the service is automatic. Service charges apply for items that clear your account. Please see the Service Charge Schedule for details.
If you would prefer not to utilize this service, please stop by your favorite branch or call 407.277.5045.
Premium Overdraft Plus Protection
Building on the benefits of Premium Overdraft Protection, Premium Overdraft Plus Protection provides maximum coverage to include checks, ACH withdrawals, and everyday debit and ATM transactions. This service allows the credit union to pay items on your behalf when the funds are not available.
There is no charge to sign up for Premium Overdraft Plus Protection. Service charges apply for items that clear your account. Please see the Service Charge Schedule for details.
The best defense against overdrafts is to monitor your account activity on a regular basis. That’s why we offer a full suite of account management tools to help you stay on top of your finances.
Receive up-to-date notices from your email or text messages to help you stay on top of your finances at all times.
Stay on top of your finances with account information available 24/7 with online banking.
View account balances, transfer money and access bill payer anywhere from your mobile device.
All advances are subject to funds availability and Reg-D transfer limits. FAIRWINDS reserves the right not to pay an item at our discretion. Services subject to change without notification. Complete details regarding FAIRWINDS overdraft services can be found in the FAIRWINDS Member Handbook. The member must either deposit funds or obtain an approved loan from the credit union within 45 days beginning with the date the credit union advances the overdraft protection.