Holiday Reminder

FAIRWINDS branches will be closed on Monday, September 7 in observance of Labor Day.

fairwinds.org | wherever you are

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.

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 $50 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
(Cumulative deposit balance below $50/month excluding checking)
$5 per month

Avoiding this service charge is easy. Simply maintain $50 in the savings account itself, or maintain at least $50 in all your deposit accounts including savings, money market, CDs and Membership Share.

If you find that you still cannot maintain at least $50 then the best decision may be for you to close the account until you build your savings back up.

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 (3 days past due) Up to $35
Credit Card Returned Payment Up to $30
Credit and Debit Card Foreign Currency Exchange Rate 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