Choose the checking account that's right for you.

Whether you prefer a simple account or one that provides you with lots of useful features, FAIRWINDS has options to fit your lifestyle. And, no matter which option you choose, we provide you with the tools you need to live financially secure and be economically successful.

All of our checking accounts offer convenient ways to access your money like free online banking with bill pay, free ATM transactions at FAIRWINDS and Publix Presto*! locations, and your choice of debit card design.

*ATM Owner may charge a service fee.

Simply Smarter Checking

If it's value you are looking for, our Simply Smarter Checking offers the most for your money. This account offers additional options such as free out-of-network ATM transactions, free money orders and official checks, and free overdraft protection. Link to comparison grid to show additional features

Interest Checking

Make your money work for you with this interest-bearing account. In addition to earning interest on your checking deposits, you'll also qualify for our high-tier Premium Money Market Account, available exclusively for Interest Checking members. Link to comparison grid to show additional features.

Free Checking

When it comes to low-cost checking options, our Free Checking can't be beat. With no minimum monthly balance, no direct deposit requirement, free online banking with bill pay , and free ATM transactions at FAIRWINDSand Publix Presto! locations, we have your basic checking needs covered. Link to comparison grid to show additional features.

Upgrade to Clear

Clear offers all of the checking features that you’re used to such as free ATMs, electronic banking, and direct deposit plus you can customize the account to fit your lifestyle.

How can you make your money work for you?

Are you looking for unlimited access to your account? Our Simply Smarter Account offers free unlimited ATM transactions anywhere in the US, free overdraft protection from your savings, money market or personal line of credit, and free online banking with bill pay.

Looking to earn more interest? Maximize your earnings with our tiered-rate Interest Checking Account. Plus, you'll qualify for our exclusive Premium Money Market Account.

Looking for no monthly fees? With no monthly fee and no minimum balance requirements, our Free Checking Account will fit your budget.

Compare Accounts
Free Checking Apply Today Simply Smarter Checking Apply Today Interest Checking Apply Today

Free Cash Direct Check Card

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Free Online Banking

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Free Online Bill Payer

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Free e-Statements

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Free FAIRWINDS and Presto!

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Free Overdraft Transfers

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Free Money Orders & Official Checks

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Free Notary Services

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Free out of network ATMs*

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Free FAIRWINDS custom checks

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Tiered Interest Rates


Relationship Rewards Points for every dollar in interest earned


Qualifies for Premium Interest Money Market Account


Opening Requirement

$25 $25 $25

How to Avoid the Monthly Fee

No Monthly Fee $7,500 combined deposit and loan balance
OR $1,000 in savings and checking.
$25,000 combined deposit and loan balance
OR $10,000 in savings and checking.

Monthly Service Fee

$0 $10 $25