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A simple and affordable solution that doesn’t skimp on extras, Simply Smarter Checking means more bang for your buck.

Make the move to better banking with the smarter choice in checking. FAIRWINDS Simply Smarter Checking Accounts give you all the tools you need and the special treats you deserve.

The Features

  • Access your money wherever you are with FAIRWINDS’ feature-rich mobile banking and remote deposit capture, POPmoney and eAlerts.
  • Enjoy fee-free transactions at FAIRWINDS and Publix Presto! ATM locations and waived foreign ATM fees.
  • Never miss another due date with free online bill pay.
  • Show off your true colors with personalized debit cards.
  • Make money as you spend money with cash back rewards.
  • Claim your extra perks with free cashier’s checks, money orders and notary services.
  • 50 standard FAIRWINDS starter checks at account opening or $10 off custom order checks (first order only).

All checking accounts include:

The Details

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

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

FAIRWINDS Member Reviews

Simply Smarter Checking is rated 4.75 out of 5 by 64.
Rated 5 out of 5 by from The HAPPY BANK I recently moved from NY to FLORIDA and my credit union in NY told me that FAIRWINDS was a "SHARE BRANCH" in Florida. So I went into the branch a few times to withdraw money and I was always met with a pleasant "GOOD MORNING" and not a corporate "GOOD MORNING". I opened my checking account a few months ago and I look forward to applying for an equity loan soon as I plan on installing a pool. Thank you for being so nice FAIRWINDS!!!! Warm regards Michael Orlando
Date published: 2016-01-13
Rated 5 out of 5 by from concierge-Auto loan & buy Fairwinds Concierge auto price negotiation and auto loan services. The Fairwinds agents found my new 2016 car at the lowest price point possible and pre-approved my loan at the most competitive interest rate of all the many financial institutions that I researched to include banks with which I have positive relationships. Dont' buy a car until you talk to the Fairwinds concierge auto purchase agent and the loan representative. It's better than a free app!
Date published: 2015-07-17
Rated 5 out of 5 by from depost i was pleasantly surprised, when I deposited a large check, that the cashier asked if I would like to get special permission from her manager to have a larger part of my check available. because I have been dealing with a larger bank I was flabbergasted, however, being a new customer, and, your bank has no history of my banking habits, I declined. I do want to say so nice to deal with more personalization.
Date published: 2015-07-07
Rated 5 out of 5 by from Good friends, great banking serv Looking for a partnered credit union in Maine so we could do our banking in Florida we went to Fairwinds. Wandering in with no real intention of joining Fairwinds. We were promptly greeted and welcomed by the Branch Manager. In short order we opened an account for us and our son. Refinanced our vehicle at a great savings!!!! What an accidental find for us and our son!
Date published: 2015-10-14
Rated 4 out of 5 by from Great customer service This is my first Credit Union experience. I just refinanced my Auto loan for a lower rate, reducing my payments by approximately $40 per month. My loan officer, Samantha was great, we handled everything via email until it was time to sign the documents. I like the personal banking relationship and hope to continue my Credit Union membership for a long time to come.
Date published: 2015-08-02
  • 2016-02-05T07:30CST
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