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The following link is for FAIRWINDS' Consumer Service Charge Schedule which sets forth certain conditions, rates, fees and charges applicable to your accounts as of November 15, 2017. This schedule is incorporated into your Master Account Agreement with FAIRWINDS Credit Union. Click here to view the complete service charge schedule (PDF 52.03 KB).

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 listed below 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 Basic Checking
Monthly Charge: $10

This fee is waived with any one of the following:

  • With a total of $500 in monthly electronic deposits
  • $10,000 average monthly combined deposit and loan balance (excluding credit cards)
  • An investment* account balance $10,000 or greater
FAIRWINDS Preferred Checking
Monthly Charge: $25

This fee is waived with any one of the following:

  • $25,000 average monthly combined deposit and loan balance (excluding credit cards)
  • An investment* account balance $25,000 or greater

Your mortgage loan generally qualifies you for Preferred Checking. Is your current loan with FAIRWINDS? If not, apply today and save!

FAIRWINDS Student Checking
Monthly Charge: No Charge
FAIRWINDS UCF Student Checking
Monthly Charge: No Charge
Health Savings Account
Additional and/or Replacement Debit Card: $5
Excess Contribution, per Return: $10 each
Monthly Maintenance: $2.50
Individual Retirement Accounts
IRA Outgoing Direct Transfer: $50 each
Money Market
$12 per month
(Average monthly balance below $2,500)
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
$15 per month
(Average monthly balance below $10,000)
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: $5 per month
(Average monthly account balance below $300)

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

Electronic Services

  • Bill Payer: No Charge
  • Call 24: No Charge
  • eStatements: No Charge
  • FAIRWINDS Online: No Charge

Card Services

  • ATM Transactions - At FAIRWINDS and Presto!: No Charge
  • ATM Transactions - Out of Network: $2.50 each
    (ATM networks other than FAIRWINDS and Presto!)
  • This fee is waived for Preferred Checking accounts.
    (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: $1.50 per month
    (After 6 months of inactivity)

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): $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: $10 per month
    (Per account under $500)
  • 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: $12 each
    (Per member request)
  • Stop Payment: $30 each
  • Stop Payment Removal: $10 each

Loan Services

  • FAIRWINDS Loan Payment online by ACH: $2 each
    (From funds at another financial institution)
  • Loan Payments by ACH, Credit or Debit Card: $7.95 each
    (Employee Assisted)
  • 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): $35 each
    (ACH transactions, ATM, check, and everyday debit transactions.)
  • 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 fee is waived for Preferred Checking accounts.

    This $10 per day service charge occurs when you overdraft money to your 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.

    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: $35 per item
    (Checks, ACH, Debit and ATM transactions)
  • 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: $50 per year
  • Use your Relationship Rewards points to help pay for this service.

    Learn more about Relationship Rewards.

  • 5x5: $65 per year
  • Use your Relationship Rewards points to help pay for this service.

    Learn more about Relationship Rewards.

  • 3x10: $75 per year
  • Use your Relationship Rewards points to help pay for this service.

    Learn more about Relationship Rewards.

  • 5x10: $100 per year
  • Use your Relationship Rewards points to help pay for this service.

    Learn more about Relationship Rewards.

  • 6x10: $115 per year
  • Use your Relationship Rewards points to help pay for this service.

    Learn more about Relationship Rewards.

  • 10x10: $135 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: $15 each
  • This fee is waived for Preferred Checking accounts.

  • Incoming International: $20 each
  • This fee is waived for Preferred Checking accounts.

  • Outgoing Domestic: $25 each
  • Outgoing International: $45 each

Miscellaneous

  • Cashiers Checks: $5 each
  • This fee is waived for Preferred Checking accounts.

  • Coin-Over 20 Rolls per Day: $2 per 20, over 20
  • Coupon Redemption: $50
  • Express Mail Delivery: $20 - $75
    (Next day and second day)
  • Fax Service: $1 each
    (local, per page)
  • Garnishment/Levy Processing: $100 each
  • Money Orders: $4 each
  • This fee is waived for Preferred and UCF Student Checking accounts.

  • 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

*Investment products and services are offered through CUSO Financial Services, L.P. ("CFS), registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor.