High-Yield Savings With Checking

Always bundled, never separate. Save Smart Savings and Spend Smart Checking are your financial freedom duo — one powers your goals, the other supports your day-to-day.

Smiling man in a green shirt using a smartphone in a cozy room, with an overlaid graphic showing the FAIRWINDS mobile banking app interface. The app screen on a large smartphone display shows account balances, money transfer options, transaction alerts, and a digital debit card, illustrating convenient mobile banking features.

A Smarter Way to Bank

High-Yield Savings

Earn ... APY on your Save Smart Savings balances up to $100,000.

Free Nationwide Access

Tap into 35,000 fee-free ATMs and 5,550+ partner branches nationwide.

Get Paid Early

Get paid up to two days early with direct deposit.

Two Accounts. One Experience. The Smart Bundle.

Save Smart Savings and Spend Smart Checking work together to give you clarity, control, and confidence that every dollar reaches its full potential.

Save Smart Savings

High-Yield savings that pays ... APYon the first $100,000 and ... APY on everything else over $100,000.
Incoming domestic and international wire fees are rebated.
Your deposits are insured by NCUA.

Automatically bundled with Spend Smart Checking Account
$10 minimum opening deposit.
No monthly service charge and no minimum balance requirement.

Spend Smart Checking

Get paid up to two days early with direct deposit.
Easily send money to friends, family, and others you trust with Zelle®.
Access to over 35,000 ATMs and 5,550 branches nationwide for free and receive up to $10 in monthly refunds whenever accessing out-of-network ATMs.
No international debit card transaction fees.
Incoming domestic and international wire fees are rebated.

Automatically bundled with our high-yield Save Smart Savings Account.
$25 minimum opening deposit.
No monthly service charge and no minimum balance requirement.
Two NSF (Non-Sufficient Funds) charges refunded each year.

Coast-to-Coast Convenience

With powerful digital banking tools and nationwide availability, you can manage your money anytime, anywhere. Use more than 35,000 free, in-network ATMs, get up to $10 in monthly refunds when using out‑of‑network ATMs, and visit any of our 5,550+ shared branch partner locations across the country to access your accounts in-person. Wherever you are, FAIRWINDS is with you.

View Locations

Approximate locations of ATM, Branch, and Partner Branches through the United States.

Designed For the Digital World

The world is online. Your banking should be, too.

Zelle®

Easily send and receive money with Zelle® in the FAIRWINDS Mobile app or FAIRWINDS Online Banking.

Mobile Wallet

Add your debit card to Apple Pay®, Google Pay®, or Samsung Pay® and make secure purchases in seconds.

Close-up of a customer holding a smartphone displaying a digital wallet app with a Visa debit card selected, preparing to make a contactless payment. In the background, a cashier in an apron holds a mobile card reader.

Account Alerts

Set up customizable, real-time account alerts sent directly to your phone or email for ultimate peace of mind. Message and data rates may apply.

Mobile Check Deposit

Snap a photo of the front and back of your check to deposit it securely from the FAIRWINDS mobile app.

Find the Visa® Debit Card That's Right For You

Choosing debit over debt helps you stay in control of your money — because when you spend what you have instead of borrowing what you don't, you build real financial freedom one purchase at a time. We have many Visa® debit card options to choose from to match your personality.