Preferred Checking Account
A checking account designed for working professionals. Monthly service charge is waived with only $1,000 in total monthly direct deposit.
Earn Interest
Watch your money grow with tiered interest rates. Plus, access to higher earnings with Preferred Savings.
Get Paid Early
Receive your eligible direct deposits up to two days early.
33,000+ ATMs
Access to fee-free nationwide CO-OP ATM locations. Plus, up to $10 in monthly refunds at out-of-network ATMs.
More Benefits and Savings
Free overdraft transfers, incoming wires, and stop payments
Easily send money to friends, family, and others you trust with Zelle®
Receive your eligible direct deposits up to two days early, including paychecks, tax refunds, pensions, and more
Receive up to $10 in monthly refunds at out-of-network ATMs
No service charge for additional Freedom Savings accounts
One box of FAIRWINDS-style checks per year
Your deposits are insured by the NCUA
Account Details
$25 minimum opening deposit
$10 monthly service charge waived with any of the following:
$1,000 in total monthly direct deposit, or
$10,000 or greater average monthly combined* deposit balance, or
$10,000 or greater in an investment** account
See our Service Charge Schedule for additional fees that apply to all FAIRWINDS accounts.
Convenience At Every Opportunity
Debit Card Options
Our debit cards come with tap-to-pay and the ability to lock or unlock your card instantly if it's ever lost or stolen.
Mobile Wallet
Manage your money safely with the convenience of Apply Pay®, Google Pay®, and Samsung Pay®.
Zelle®
Easily and quickly send or receive money using Zelle® in the FAIRWINDS Mobile app or FAIRWINDS Online Banking.
A Card To Match Your Personality
Today's Rates
Balance Tier | APY*** |
|---|---|
$0.01 - $9,999.99 | ... |
$10,000.00 - $24,999.99 | ... |
$25,000.00 - $49,999.99 | ... |
$50,000.00 - $9,999,999.99 | ... |
Looking for a different checking account?
We offer other checking solutions designed to fit your personal needs. As your needs change, you can switch to a different checking account at anytime without needing to change your account number or get a new debit card.
Our most rewarding checking account offers premium interest rates, access to a high-yield savings account, and no ATM fees.
Our basic checking account that's anything but basic. This checking account includes no monthly service charge or minimum balance requirement.
As the Official Student Banking Provider of UCF, we're here to help UCF students easily manage their money throughout their college journey.
Tools to Help Serve You
Deposit checks securely from the FAIRWINDS Mobile App by snapping a photo.
Get account alerts sent to your phone or email and have peace of mind. Message and data rates may apply.
Temporarily lock your debit card instantly if you think it's lost or stolen.
Tap your FAIRWINDS Visa® Debit Card and pay for purchases safely and securely.
Start investing with as little as $200 through EasyVest® Digital Advisor, an automated investment management tool.