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Available for members with a personal FAIRWINDS Checking or Savings Account, receive your direct deposits up to two days early.

You can access your eligible direct deposits up to two days early, including paychecks, tax refunds, pensions, and more.*

The Details

  • As soon as we receive information about your incoming direct deposit, the funds are available up to two days before the scheduled pay date.*
  • No enrollment is required if you currently receive direct deposit(s). You are automatically enrolled to receive this benefit.
  • Know exactly when your direct deposit is in your account by setting up Account Alerts.
  • Don’t have direct deposit set up? Easily set up using Account Essentials through the FAIRWINDS Mobile App or Online Banking.

*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 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 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 apply. FAIRWINDS may modify or terminate Early Direct Deposit at any time without notice to you.