Preferred Checking Account

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

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Earn Interest

Watch your money grow with tiered interest rates. Plus, access to higher earnings with Preferred Savings.

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Get Paid Early

Receive your eligible direct deposits up to two days early.

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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

Credit Card

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.

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Mobile Wallet

Manage your money safely with the convenience of Apply Pay®, Google Pay®, and Samsung Pay®.

Money transfer


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

A Card To Match Your Personality

"Go Bold" debit card design.
Go Bold
"Set Sail" debit card design.
Set Sail
Camouflage debit card design
Red, white, and blue debit card design.
Red, White, and Blue
"Black and Gold" debit card design to support UCF.
Black and Gold

Today's Rates

Balance Tier


$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.

Signature Checking

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

Freedom Spending Account

Our basic checking account that's anything but basic. This checking account includes no monthly service charge or minimum balance requirement.

UCF Student Checking

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

Mobile Check Deposit

Deposit checks securely from the FAIRWINDS Mobile App by snapping a photo.

Account Alerts

Get account alerts sent to your phone or email and have peace of mind. Message and data rates may apply.

Secure Your Debit Card

Temporarily lock your debit card instantly if you think it's lost or stolen.

Contactless Payments

Tap your FAIRWINDS Visa® Debit Card and pay for purchases safely and securely.


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