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Listed below is FAIRWINDS' Consumer Service Charge Schedule which sets forth certain conditions, rates, fees and charges applicable to your accounts as of January 1, 2015. This schedule is incorporated into your Master Account Agreement with FAIRWINDS Credit Union. Click here to view the updated schedule effective January 1, 2015.

As a member-owned and operated credit union, we provide our members with the services they need to reach financial freedom. Although certain services require charges, we’re not big fans of fees. That’s why there are several ways active FAIRWINDS members can have these charges waived. No hoops or hurdles—we’ve made it simple to avoid fees with easy to meet requirements.

Effective May 10, 2016, the following Service Charge Schedule will apply to your Account Agreement.

  • Click here to view the change in terms.
  • Click here to view the updated Service Charge Schedule effective May 10, 2016.

    Effective June 10, 2016, the following Service Charge Schedule will apply to your Account Agreement.

  • Click here to view the change in terms.
  • Click here to view the updated Service Charge Schedule effective June 10, 2016.
  • FAIRWINDS FAIR Checking
    Monthly Charge $7.50
    This fee is waived with any one of the following:
    • Total monthly direct deposit(s) of $100 or more.
    • 15 or more debit purchase transactions
    • $500 average monthly balance
    • Those 25 years old and younger or 60 years old and older.
    FAIRWINDS Simply Smarter Checking
    Monthly Charge $10
    This fee is waived with any one of the following:
    • $7,500 average monthly combined deposit and loan balance
    • $1,000 average monthly combined in savings and checking

    Your auto loan or mortgage loan generally qualify you for Simply Smarter Checking. Is your current loan with FAIRWINDS? If not, apply today and save!

    FAIRWINDS Interest Checking
    Monthly Charge $25
    This fee is waived with any one of the following:
    • $25,000 average monthly combined deposit and loan balance
    • $10,000 average monthly combined in savings and checking

    Your auto loan or mortgage loan generally qualify you for Interest Checking. Is your current loan with FAIRWINDS? If not, apply today and save!

    FAIRWINDS UCF Student Checking
    Monthly Charge No Charge
    $5k Savings Account
    Monthly Charge $10
    The $5k Savings Account monthly charge fee is waived with minimum $10 aggregate monthly automatic transfer from a FAIRWINDS checking account.
    Withdrawal Fee $10
    The $5k Savings Account withdrawal fee is waived with any one of the following:
    • $5k Savings Account balance is greater than $5,000
    • $5k Savings Account has been opened for more than 3 years
    Health Savings Account
    Account Set Up $10

    Use your Relationship Rewards points to pay this service charge.

    Learn more about Relationship Rewards.

    Additional and/or Replacement Debit Card $5
    Excess Contribution, per Return $10 each
    Monthly Maintenance $2.50
    Savings Accounts
    Money Market
    (Average monthly balance below $2,500)
    $12 per month
    Simply maintain an average balance of $2,500 to avoid this service charge. If you find this is not routinely possible then transferring the balances to the Regular Savings Account with a $300 minimum may be a better fit for you.
    Premium Money Market
    (Average monthly balance below $10,000)
    $15 per month
    Simply maintain an average balance of $10,000 to avoid this service charge. If you find this is not routinely possible then transferring the balances to the Regular Money Market with a $2,500 minimum may be a better fit for you.
    Regular Savings Account Service Charge
    (Average monthly account balance below $300)
    $5 per month

    Any one of these items will waive the Regular Savings monthly service charge:

    • Maintain an average monthly account balance of at least $300
    • Deposit or transfer a total of at least $25 per month
    • Maintain an average monthly combined savings balances of at least $10,000 (excluding checking balances)
    • Members under the age of 18
    Restricted Holiday Account - Early Withdrawal
    (Prior to November 1st and after December 31st.)
    $5 each
    Electronic Services
    Bill Payer No Charge
    Call 24 No Charge
    e-Statements No Charge
    FAIRWINDS Online No Charge
    Card Services
    ATM Transactions - At FAIRWINDS and Presto! No Charge
    ATM Transactions - Out of Network
    (ATM networks other than FAIRWINDS and Presto! )
    $2 each
    This fee is waived for Interest and Simply Smarter Checking members.
    (Out of Network ATMs are ATM networks other than FAIRWINDS and Presto!)
    Credit Card Balance Transfer Fee 3%, $5 minimum
    Credit Card Cash Advance Fee 4%, $10 minimum
    Credit Card Late Fee Up to $35
    Credit Card Returned Payment Up to $30
    Credit and Debit Card Foreign Transaction Fee 2% of transaction
    Debit Card Replacement $5
    Inactive Debit Card
    (After 6 months of inactivity)
    $1.50 per month
    Deposit Services
    Account Reconcilement $20 per hour
    Bad Address $5 per month
    It is important that you update your mailing address so that you can receive timely information about your account. Simply contact us or log on to your account to update your address to avoid this service charge.
    Bill Payment Check Copy Fee $10 each
    Check Copies (Delivery of printed copies)
    (No charge to view/print through FAIRWINDS Online)
    $5 each
    No charge to view/print through FAIRWINDS Online.
    Check Copies Within One Day $10 each
    No charge to view/print through FAIRWINDS Online.
    Dormant Account after 12 Months
    (Per account under $500)
    $10 per month
    Early Closing Fee (Within 30 days) $15
    Return Deposit Items (Due to NSF/UCF) $15 each
    Return Deposit Items (For reason other than NSF/UCF) $35 each
    Redeposit of a Return Deposit Item
    (Per member request)
    $12 each
    Stop Payment $30 each
    Stop Payment Removal $10 each
    Loan Services
    FAIRWINDS Loan Payment online by ACH
    (From funds at another financial institution)
    $2 each
    Loan Payments by ACH, Credit or Debit Card
    (Employee Assisted)
    $7.95 each
    GAP Vehicle Protection $395/$495

    Use your Relationship Rewards points to help pay this cost.

    Learn more about Relationship Rewards.

    Letter of Credit $250
    Lien Recording Fee (Vehicle Loan) Actual Cost
    Loan Late Fee (7 days past due) 5% of monthly payment
    ($5 min./no max.)

    Never worry about remembering to make a payment with auto-pay from your FAIRWINDS checking, savings or money market accounts. You can choose to pay weekly, bi-weekly or monthly and the funds will be automatically transferred from the FAIRWINDS account of your choice.

    Loan Processing Fee 2% of balance ($10 min./$45 max.)
    Mechanical Repair Coverage Actual Cost

    Use your Relationship Rewards points to help pay this cost.

    Learn more about Relationship Rewards.

    Real Estate Application $95
    Real Estate Closing Actual Cost

    Use your Relationship Rewards points to help pay this cost.

    Learn more about Relationship Rewards.

    Real Estate Conversion $250 each
    Real Estate Points Quoted Daily
    Overdraft
    Insufficient Funds (NSF)
    (ACH transactions, ATM, check, and everyday debit transactions.)
    $35 each

    Keeping track of all your transactions is the best way to avoid this service charge. Monitor your account activity and balances real-time by signing up for e-Alerts today! Learn more about e-Alerts.

    Setting up an overdraft account (either a deposit account or a line of credit) for your checking account in another way to avoid this service charge.

    And for those "oops" moments you can use your Relationship Rewards to waive this service charge twice each year. Learn more about Relationship Rewards.

    Overdraft Transfers $10 per day

    This $10 per day service charge occurs when you overdraft money to your FAIR or Simply Smarter Checking account. Avoid this charge by keeping a cushion of funds in your checking account. You may also transfer money to your checking account from your savings when you anticipate an overdraft.

    And for those "oops" moments you can use your Relationship Rewards to waive this service charge twice each year. Learn more about Relationship Rewards.

    This fee is waived for Interest Checking members.

    Know your account balance all the time! Sign up for e-Alerts and receive real time notice of items clearing your account and balance notifications. Learn more about e-Alerts.

    Premium Overdraft Protection
    (Checks and ACH)
    $35 per item

    Keeping track of all your transactions is the best way to avoid this service charge. Monitor your account activity and balances real-time by signing up for e-Alerts today! Learn more about e-Alerts.

    Setting up an overdraft account (either a deposit account or a line of credit) for your checking account in another way to avoid this service charge.

    Premium Overdraft Plus
    (Checks, ACH, Debit and ATM transactions)
    $35 per item

    Keeping track of all your transactions is the best way to avoid this service charge. Monitor your account activity and balances real-time by signing up for e-Alerts today! Learn more about e-Alerts.

    Setting up an overdraft account (either a deposit account or a line of credit) for your checking account in another way to avoid this service charge.

    Uncollected Funds $35 each

    An Uncollected Funds service charge occurs when you make a purchase with your debit card but your available balance is not enough to cover the purchase. The available balance is your balance minus any check holds or debit card authorizations from merchants that may be processed on your account.

    Keeping track of all your transactions is the best way to avoid this service charge. Monitor your account activity and balances real-time by signing up for e-Alerts today! Learn more about e-Alerts.

    Setting up an overdraft account (either a deposit account or a line of credit) for your checking account in another way to avoid this service charge.

    Safe Deposit Services
    3x5 $25 per year

    Use your Relationship Rewards points to help pay for this service.

    Learn more about Relationship Rewards.

    5x5 $30 per year

    Use your Relationship Rewards points to help pay for this service.

    Learn more about Relationship Rewards.

    3x10 $50 per year

    Use your Relationship Rewards points to help pay for this service.

    Learn more about Relationship Rewards.

    5x10 $75 per year

    Use your Relationship Rewards points to help pay for this service.

    Learn more about Relationship Rewards.

    10x10 $110 per year

    Use your Relationship Rewards points to help pay for this service.

    Learn more about Relationship Rewards.

    Drilling of Lock Actual Cost
    Key Replacement $50 each
    Wire Services
    Incoming Domestic $10 each
    Incoming International $20 each
    Outgoing Domestic $20 each
    Outgoing International $40 each
    Miscellaneous
    Cashiers Checks $5 each

    This fee is waived for Interest and Simply Smarter Checking members.

    Coin-Over 20 Rolls per Day $2 per 20, over 20
    Coupon Redemption $50
    Express Mail Delivery
    (Next day and second day)
    $20 - $75
    Fax Service
    (local, per page)
    $1 each
    Foreign Currency Actual Cost
    + $5 per order
    Garnishment/Levy Processing $100 each
    Money Orders $4 each

    This fee is waived for Interest, Simply Smarter, and UCF Student Checking members.

    Non-member Certifying a FAIRWINDS Check $10 each
    Research $20 per hour
    Statement Copies (Previous 3 months) No Charge

    With our free online banking you have access to 36 months of statement history to access and print at your convenience.

    Statement Copies $5 each

    With our free online banking you have access to 36 months of statement history to access and print at your convenience.

    Verification of Deposit $10 each