Interest Checking

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

Upgrade to Clear

Upgrade to Clear

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.

Online Banking

Online Banking

We're always open. Manage your money 24 hours a day with online banking.

Debit Cards

Debit Card

FAIRWINDS debit cards are the fast, convenient and secure way to access your checking account.

Wealth Management

Premium Money Market

Maximize your interest with this account available exclusively to Interest Checking members.

Wealth Management

Wealth Management Services

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%
$50,000.00 + 0.03% 0.03%

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.