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The Basic Checking Account is all about keeping things simple, giving you everything you need stay on top of your finances, wherever you are.

Your Basic Checking Account comes equipped with benefits and features like:

  • Free FAIRWINDS and Publix Presto! ATM transactions
  • Free Online and Mobile Banking
  • Free Online Bill Payer
  • Free Mobile Check Deposit
  • Free e-Statements
  • Cash Back Purchase Rewards with your FAIRWINDS Visa® Debit Card

The Details

Minimum to Open — $25

Monthly Service Fee - $10, waived with any one of the following:

  • $500 in total monthly electronic deposit(s) (direct deposit, ACH, ATM or mobile check deposit),
    or
  • $10,000 average monthly combined deposit and loan balance (excluding credit cards),
    or
  • $10,000 or greater in an investment* account

*Investment products and services are offered through CUSO Financial Services, L.P. ("CFS), registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor.

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

FAIRWINDS Member Reviews

Basic Checking Account is rated 4.7 out of 5 by 847.
Rated 5 out of 5 by from Great service I decided to become a member of fairwinds after a bad experience with customer service at my old bank. I knew we made the right choice after we walked in and were greeted with smiles and it's even kid friendly. Everyone was so helpful when it came to picking out the right account for our needs. They were also very informative of all the options for others products that we could use in the future like savings accounts, and mortgage financing!
Date published: 2017-10-17
Rated 5 out of 5 by from Fantastic and Professional New member as of a month ago, I should have made this switch years ago.
Date published: 2017-10-16
Rated 5 out of 5 by from Love! I switched to fairwinds because my other bank always bothered me with accounts and loans I didn't want and need. I came here for what I needed, a simple bank. No one bothers me when I come but everyone helps me when I need it or ask and that's what I love the most.
Date published: 2017-10-16
Rated 5 out of 5 by from Easy and convenient Applying for the account was a breeze of fresh air, simple process and very prompt response. I’m very happy I made that decision.
Date published: 2017-10-16
Rated 3 out of 5 by from New user I like the credit union but I am not happy with all the hoops you have to jump through to get onto your account with the internet. Needing your phone around to get a text number is not convenient all the time. Otherwise you would get higher stars.
Date published: 2017-10-15
Rated 5 out of 5 by from A hidden friendly treasure Great experience and customer service. Customer service representative was knowledgeable and friendly.
Date published: 2017-10-15
Rated 5 out of 5 by from Enjoyable Process I went into Fairwinds to discuss opening a check/savings account in the hopes of securing a lower interest rate for the purchase of a new car. I was not disappointed at all. True to their claims, I received a much lower interest rate than I would have gotten at the dealer or even my own bank. The process was extremely easy and Jennifer was a joy to work with. She is extremely knowledgeable and was able to fully answer any questions I had.
Date published: 2017-10-09
Rated 5 out of 5 by from Best Customer Service I opened my checking account at Fairwinds CU when I first moved to Kissimmee FL, the associates at my Branch were so helpful and I felt so secure and at home that I came back and opened two more. The staff really care about you as a customer and more important as a person. They are always willing to help and with a nice attitude and disposition.
Date published: 2017-10-04
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