Simply Smarter Checking
A Banking Relationship That Puts Your Needs First
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. 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 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.
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.
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.
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.