Simply Smarter Checking

For ultimate access and great value, the Simply Smarter Checking Account is just that – the smarter choice! By maintaining a nominal balance you’ll enjoy free access to your account plus some additional perks.

  • Free Debit Card
    The Simply Smarter 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. Want to use another network? We'll waive our typical foreign ATM fee for you!*
  • Free Mobile Banking
    Your Simply Smarter 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
    Simply Smarter Checking comes with free unlimited check writing but why write checks when you can use online bill payer at no additional charge.
  • Free Cashiers Checks, Money Orders, and Notary Services

Minimum to Open Simply Smarter Checking — $25

Simply Smarter Checking Monthly Service Fee — $10, waived with $7,500 average combined deposit and/or loan balance, or $1,000 average combined deposit balance in savings and checking.

*ATM owner may charge a fee.

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.

Savings

Savings Accounts

Whether you're just starting to save or are looking for a safe place to keep your retirement dollars, we have options to fit your needs.

Overdaft Protection

Overdraft Protection

Eliminate worries by using your savings, money market or personal line of credit for overdraft protection.

Terms and Conditions

Minimum to Open — $25

Monthly Service Fee — $10, waived with $7,500 average combined deposit and/or loan balance, or $1,000 average combined deposit balance in savings and checking

Insufficient Funds (NSF) — ACH, ATM, check, debit card—$35 each

Uncollected Funds Fee — $35 each

Overdraft Transfer Fee — $10 overdraft fee per daily occurrence

See Service Charge Schedule for additional fees that apply to all FAIRWINDS accounts.