A Banking Relationship That Puts Your Needs First
If you carry a balance and want a greater return on your money, the Interest Checking Account is the right product for you. You'll earn interest on your checking account balance but you'll also receive a premium for your other deposits!
With an Interest Checking Account comes the exclusive Premium Money Market account that pays even higher rates. The more you save, the more you earn.
- Free Debit Card
The Interest Checking Account comes with the purchasing power of a VISA® debit card. Choose from any one of our many designs.
- Free ATM Withdrawals
Access your checking account 24/7 for free at all FAIRWINDS and Publix Presto! ATMs. If using an ATM outside of our network, members with Simply Smarter or Interest Checking can use out-of-network ATM's at no cost from FAIRWINDS. Please note you may be charged a fee by the owner of the ATM.
- Free Mobile Banking
Your Interest Checking Account is right at your fingertips with our mobile browser, Android and iPhone apps.
- Free e-Alerts
Receive up-to-date notices on your checking account balance from your email or text message. Standard messaging and data rates may apply.
- Free Online Banking with Bill Pay
Interest Checking comes with free unlimited check writing but why write checks when you can use online bill payer at no additional charge.
- Relationship Rewards Points
Since the Interest Checking Account earns interest, you'll be earning Relationship Rewards points. Earn one point for each dollar you earn in interest on your deposits or pay in interest on your loans. Redeem these points for higher rates on deposits, lower rates on loans and reduced service charges.
- Free Cashiers Checks, Money Orders, and Notary Services
Minimum to Open Interest Checking – $25
Interest Checking Monthly Service Fee - $25, waived with $25,000 average combined deposit and/or loan balance, or $10,000 average combined deposit balance in savings and checking.
Options and Upgrades
Clear offers all of the checking features that you're used to such as free ATMs, electronic banking, and direct deposit plus you can customize the account to fit your lifestyle.
We're always open. Manage your money 24 hours a day with online banking.
FAIRWINDS debit cards are the fast, convenient and secure way to access your checking account.
Maximize your interest with this account available exclusively to Interest Checking members.
Plan for a safe and secure financial future with our team of Financial Advisors, licensed through CUSO Financial Services.
Rates as of: 5/4/2015 - 5/10/2015
|Interest Checking:||Interest Rate||APY|
|$.01 - $9,999.99||0.01%||0.01%|
|$10,000.00 - $24,999.99||0.02%||0.02%|
|$25,000.00 - $49,999.99||0.02%||0.02%|
APY = Annual Percentage Yield
Rates may change after the account is opened. Fees can reduce earnings on the account.
Terms and Conditions
Minimum to Open—$25
Monthly Service Fee—$25, waived with $25,000 average combined deposit and/or loan balance, or $10,000 average combined deposit in savings and checking
Insufficient Funds (NSF)—ACH, ATM, check, debit card—$35 each
Uncollected Funds Fee—$35 each
See Service Charge Schedule for additional fees that apply to all FAIRWINDS accounts.