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Freedom Spending Account and Visa® Debit Card.

When it comes to financial freedom, it’s not about how much you earn. It’s about how much you spend.

The Freedom Spending Account has the tools you need to be in control of your money so you can save more, spend less, and be one step closer to financial freedom.

Zero, Zilch, Zip, Nada, Nothing

Save more with no monthly service fee and no monthly minimum balance requirement.

A simple way to grow your savings

Change is a good thing, especially when it grows into savings. Automatically round up your debit card purchases to the nearest dollar and the difference will deposit directly into your savings account.

Our members added $3,906,901.83 to their savings so far.

Mobile payment options

Ditch your actual wallet and make contactless payments with your mobile wallet instead.

Apple Pay, Samsung Pay, Google Pay

Get real-time account alerts

You have a personal assistant to keep you in the know about changes to your account balance, when your direct deposit comes in (cha-ching!), withdrawals, and more.

Can’t find your debit card?

It happens, but don’t stress. Temporarily lock your debit card instantly if you think it's lost or stolen.

Know how much you’re spending and where?

Remember, you manage your money – your money doesn’t manage you. So put your money to work with free tools to help you track (and adjust) your spending, pay off debt, and save more – all from your desktop or mobile device.

Your debit card is the key to access and rewards

27,000+ ATM locations nationwide. Rewards on select debit card purchases. It's easy to access your money wherever you go and earn cash back with a swipe of your card.

Get Started Today

Open an account online in just a few minutes and be one step closer to financial freedom.


A $5 membership share is required to open an account at FAIRWINDS. The Freedom Spending Account requires $25 to open.