Earn $200 when you join FAIRWINDS.

Available to first-time FAIRWINDS members, we are offering you $200* when you open a Preferred or Signature Checking Account and complete payroll deposit(s) totaling $1,000 or more within 60 days of account opening.

Bring your postcard with the offer to your nearest branch to claim this limited-time offer and open an account.

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Financial Freedom happens here.®

We are dedicated to helping our members save more, eliminate debt, build wealth, and live generously.

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Be part of a community that cares.

When you join FAIRWINDS, you join a community of thousands of passionate financial freedom seekers worldwide.

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Your accounts are federally insured.

Deposit accounts with FAIRWINDS are federally insured for up to $250,000 by the NCUA and the NCUSIF.

Checking Account Benefits and Features

When you open a checking account with FAIRWINDS, you’ll enjoy convenient features to help you save more and make banking easier.

  • Receive out-of-network ATM refunds.

  • Unlock access to savings accounts with premium interest rates with no service charge.

  • Free ATM Transactions at 33,000+ FAIRWINDS, Presto!, and CO-OP Locations.

  • Automated Debit Card Round-Up Program to add to your savings or pay down your loan.

  • Free overdraft transfers, incoming wires, and stop payments.

  • Receive your eligible direct deposits up to two days early1, including paychecks, tax refunds, pensions, and more.

  • Easily send money to friends, family, and others you trust with Zelle®2.

Compare Checking Accounts

Discover our different types of checking accounts to best fit your lifestyle.

Preferred Checking

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Description

A checking account designed for working professionals. Monthly service charge is waived with only $1,000 in total monthly direct deposit.

Minimum to Open

$25

Monthly Service Charge

$10

Waived with either $1,000 in total monthly direct deposits, or with $10,000 or greater average monthly deposit balance*, or by maintaining an investment** account balance of $10,000 or greater.

Free ATM Transactions at 33,000+ FAIRWINDS, Presto!, and CO-OP Locations

Out-of-Network ATM Refunds

Up to $10 in monthly refunds

Automated Debit Card Round-Up Program to Add to Your Savings or Pay Down Your Loan

Free Money Orders, Cashier's Checks, Incoming Wires, and Stop Payments

Access to Higher Earnings

Qualifies for Preferred Savings Account

Early Direct Deposit

Move Money with Zelle®

Signature Checking

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Description

Our most rewarding checking account offers premium interest rates, access to a premium interest savings account, and no ATM fees.

Minimum to Open

$25

Monthly Service Charge

$25

Waived with either $25,000 or greater average monthly combined deposit balance* or $25,000 or greater investment** account balance.

Free ATM Transactions at 33,000+ FAIRWINDS, Presto!, and CO-OP Locations

Out-of-Network ATM Refunds

Unlimited refunds

Automated Debit Card Round-Up Program to Add to Your Savings or Pay Down Your Loan

Free Money Orders, Cashier's Checks, Incoming Wires, and Stop Payments

Access to Higher Earnings

Qualifies for Premium Interest Signature Savings Account

Early Direct Deposit

Move Money with Zelle®

Financial Freedom happens here.®

* Limited Time Offer available starting February 18, 2025. In order for the individual to qualify for the New Member Offer reward, the following conditions must be met: The individual may not have previously been an owner on or a party to a FAIRWINDS account; the individual must open a new FAIRWINDS consumer Preferred or Signature Checking Account with a minimum deposit of $25.00 at new account opening; during the eligible program period, the individual must open the new account using the New Member Offer URL (fairwinds.org/new-member-offer); and the individual must receive in the new Preferred or Signature Checking Account a cumulative qualifying direct deposit(s) of $1,000.00 or more (excluding the new account deposit used to fund/open the account) within 60 calendar days of opening. A “qualifying direct deposit” is an Automated Clearing House (ACH) deposit of a paycheck, pension, or government benefit (including Social Security) from the government or your employer. Person-to-person transfers (such as Zelle, PayPal or Venmo) and bank transfers between FAIRWINDS accounts or from an account at another financial institution or brokerage do not qualify. FAIRWINDS Credit Union employees are not eligible to receive any New Member Bonus rewards.

Rewards that have been fully earned and qualified for will be paid to each party on or about the 15th day of the next month following the deposit of the sufficient qualifying funds into the individual's new Preferred or Signature Checking Account. Only one reward will be provided per individual. The amount of the reward is the reward amount in effect at the time of the reward payout. All decisions of FAIRWINDS as to the amount and sufficiency of qualifying deposits and reward amounts are final.

The New Member Offer may be terminated or withdrawn at any time and is subject to change at any time, with or without prior notice. Certain conditions and restrictions may apply. FAIRWINDS reserves the right to increase or decrease the amount of the reward from time to time. New Member Offer rewards may not be combined with other offers or programs. The new member may be responsible for any tax resulting from receipt of a New Member Offer reward. Please consult your tax advisor if you have questions about the tax treatment of the reward. FAIRWINDS membership eligibility is required.

** Preferred Checking account is a tiered rate at ... Annual Percentage Yield (APY) for balance of $9.999.99 or below; ... APY for balance of $10,000 to 24,999.99; ... APY for balance of $25,000 to $49,999.99; ... APY for balance of $50,000 and above. Signature Checking account is a tiered rate at ... APY for balance of $9.999.99 or below; ... APY for balance of $10,000 to 24,999.99; ... APY for balance of $25,000 to $49,999.99; ... APY for balance of $50,000 and above. APY is accurate as 04/03/26 and subject to change at any time. Fees may reduce earnings.

1 FAIRWINDS offers Early Direct Deposit to members who set up direct deposit with their employer or payor, allowing access to funds up to two business days before your scheduled pay date. Early access for all direct deposits is provided at our discretion, is not guaranteed and may not be consistently available. The timing of when these transactions are credited depends on when the employer or payor submits the information to us. Not all direct deposits qualify; direct deposits are limited to electronic deposits such as payroll, pensions, and government benefits through the ACH network. We reserve the right to determine, in our sole discretion, whether certain deposit amounts, deposit types, or member accounts are excluded from the service. If funds are made available early but not collected, you are liable to repay them and overdraft fees may apply. FAIRWINDS may modify or terminate Early Direct Deposit at any time without notice to you.

2 Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.

Routing Number ⑆ 263181368
© 2026 FAIRWINDS Credit Union