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The right path to financial freedom starts with saving. Whether you're just starting out or are a seasoned saver, a basic savings account can complement your portfolio.

Our Regular Savings account offers an easy, flexible and convenient way to build savings for your future.

The Features

  • Unlimited deposits - Make as many deposits as you like - weekly, monthly or once in a while, whatever fits your budget. And with no minimum to earn interest, your savings can start growing right away.
  • Unlimited in-person withdrawals - Your money is there when you need it.
  • Easy access online and through any ATM - Check your balances, transfer funds, and make withdrawals at any ATM or online, up to Reg D limits.

The Details

Current Rate — 0.10% APY

Minimum to Open — $10

Monthly Service Fee — $5, waived with any one of the following:

  • Maintain an average monthly account balance of at least $300
  • Deposit or transfer a total of at least $25 per month
  • Maintain an average monthly combined savings balances of at least $10,000 (excluding checking balances)
  • Members under the age of 18

Minimum to Earn Interest — $0.01

Withdrawal Fee — $0

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

APY = Annual Percentage Yield
Fees can reduce earnings on the account.

FAIRWINDS Member Reviews

Regular Savings Account is rated 4.7 out of 5 by 1200.
Rated 5 out of 5 by from Fantastic Professional, quick, helpful and affordable. Everything you’d want in a bank. I wish fairwinds could’ve been my first bank.
Date published: 2019-05-10
Rated 4 out of 5 by from Chocolate angel I have been a member for a while now. Closed my old account due to some personal reasons, then returned and reopened. I'm happy with the process, it was really easy.
Date published: 2019-04-24
Rated 2 out of 5 by from lackluster customer service The person that set up my account was pretty uninterested in telling me anything about the account didn't explain anything about how to set up online banking and didn't give me my account number. When she set up the account she handed me a receipt for the amount of my initial deposit but I had to ask her to issue me an ATM card. So I wasn't very impressed with the service
Date published: 2019-04-24
Rated 5 out of 5 by from Friendly and efficient service I came in to ask a question about setting up an additional savings account. The teller handled my question and implemented the change quickly and efficiently.
Date published: 2019-04-22
Rated 5 out of 5 by from Great value I became a fairwind member a month ago and im so happy.
Date published: 2019-04-19
Rated 5 out of 5 by from App help I came in for help with my app. Even though we didn't resolve problem she was sweet and helpful as she could be.
Date published: 2019-04-15
Rated 3 out of 5 by from Bad address fees I've been a Fairwinds loyal member for many years, even before it was Fairwinds. I opened a savings account and noticed I was assessed fees every month "bad address fee". When my husband passed away, I put my daughter on as a cosigner in case of need. I live in NC now, but have kept my banking w/ Fairwinds. She has a very involved profession, Dr of Pharmacy at a local hospital, and evidently they weren't able to contact her when I opened the account. So I was charged a fee. In the meantime, I have pulled all the $ from that savings account and placed it in a savings account that doesn't assess fees for "bad address". My daughter has moved 3 times since I came to NC and is now moving into their new home this week. I guess this is to get the bank to have the correct information but wouldn't it be friendlier to just send an email and ask that the information be provided? It has made an impact on me.
Date published: 2019-04-15
Rated 5 out of 5 by from Always Awesome I’ve been a Fairwinds member for over seven years and every time I visit a branch is always welcoming and they are always available to answer and clear all my questions and concerns. I would definitely recommend to anyone. Excellent banking
Date published: 2019-04-14
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