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

Earn Interest
Watch your money grow with tiered interest rates. Plus, access to higher earnings with Preferred Savings.
Get Paid Early
Receive your eligible direct deposits up to two days early.
33,000+ ATMs
Access to fee-free nationwide CO-OP ATM locations. Plus, up to $10 in monthly refunds at out-of-network ATMs.
More Benefits and Savings
Free overdraft transfers, incoming wires, and stop payments
Easily send money to friends, family, and others you trust with Zelle®
Receive your eligible direct deposits up to two days early, including paychecks, tax refunds, pensions, and more
Receive up to $10 in monthly refunds at out-of-network ATMs
No service charge for additional Freedom Savings accounts
One box of FAIRWINDS-style checks per year
Your deposits are insured by the NCUA
Account Details
$25 minimum opening deposit
$10 monthly service charge waived with any of the following:
$1,000 in total monthly direct deposit, or
$10,000 or greater average monthly combined* deposit balance, or
$10,000 or greater in an investment** account
See our Service Charge Schedule for additional fees that apply to all FAIRWINDS accounts.
Convenience at Every Opportunity
Debit Card Options
Our debit cards come with tap-to-pay and the ability to lock or unlock your card instantly if it's ever lost or stolen.
Mobile Wallet
Manage your money safely with the convenience of Apple Pay®, Google Wallet®, and Samsung Pay®.
Zelle®
Easily send and receive money with Zelle® in the FAIRWINDS Mobile app or FAIRWINDS Online Banking.
I Choose Debit Not Debt
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 card options to choose from to match your personality.





Today's Rates
Balance Tier | APY*** |
---|---|
$0.01 - $9,999.99 | ... |
$10,000.00 - $24,999.99 | ... |
$25,000.00 - $49,999.99 | ... |
$50,000.00 - $9,999,999.99 | ... |
Looking for a different checking account?
We offer other checking solutions designed to fit your personal needs. As your needs change, you can switch to a different checking account at anytime without needing to change your account number or get a new debit card.
Our most rewarding checking account offers premium interest rates, access to a premium interest savings account, and no ATM fees.
Our basic checking account that's anything but basic. This checking account includes no monthly service charge or minimum balance requirement.
As the Official Student Banking Provider of UCF, we're here to help UCF students easily manage their money throughout their college journey.
Tools to Help Serve You
Deposit checks securely from the FAIRWINDS Mobile App by snapping a photo.
Get account alerts sent to your phone or email and have peace of mind. Message and data rates may apply.
Temporarily lock your debit card instantly if you think it's lost or stolen.
Tap your FAIRWINDS Visa® card and pay for purchases safely and securely.
Whether you’re looking to choose your own investments or need an advisor to help you along the way, EasyVest® can make investing simple.
** Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member www.finra.org/ www.sipc.org). Insurance products are offered through LPL or its licensed affiliates. FAIRWINDS Credit Union and FAIRWINDS Wealth Management are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using FAIRWINDS Wealth Management, and may also be employees of FAIRWINDS Credit Union These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, FAIRWINDS Credit Union or FAIRWINDS Wealth Management. Securities and insurance offered through LPL or its affiliates are:
Not Insured by NCUA or Any Other Government Agency
Not Credit Union Guaranteed
Not Credit Union Deposits or Obligations
May Lose Value
Your Bank (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.
The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.