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 Apple Pay®, Google Wallet®, and Samsung Pay®.

Money transfer

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.

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Go Bold
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Camouflage
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Floral
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

APY***

$0.01 - $9,999.99

...

$10,000.00 - $24,999.99

...

$25,000.00 - $49,999.99

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$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 premium interest 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® card and pay for purchases safely and securely.

EasyVest®

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.

LPL Financial Form CRS