Consumer Service Charge Schedule

Listed below is FAIRWINDS' Consumer Service Charge Schedule which sets forth certain conditions, rates, fees and charges applicable to your accounts as of October 29, 2012. This schedule is incorporated into your Master Account Agreement with FAIRWINDS Credit Union. Click here to view the updated schedule effective October 29, 2012.

FAIRWINDS is a financial cooperative where members save, borrow and purchase services. To provide certain services there are charges, but as a participating member with the credit union you can often avoid incurring service charges, and that’s how we prefer it! Look for this symbol to see how.

FAIRWINDS FAIR Checking

This fee is waived with any one of the following:
  • Total monthly direct deposit(s) of $100 or more.

  • 15 or more debit purchase transactions

  • $500 average monthly balance

  • Those 25 years old and younger or 60 years old and older.

FAIRWINDS Simply Smarter Checking

This fee is waived with any one of the following:
  • $7,500 average monthly combined deposit and loan balance

  • $1,000 average monthly combined in savings and checking

Your auto loan or mortgage loan generally qualify you for Simply Smarter Checking. Is your current loan with FAIRWINDS? If not, apply today and save!

FAIRWINDS Interest Checking

This fee is waived with any one of the following:
  • $25,000 average monthly combined deposit and loan balance

  • $10,000 average monthly combined in savings and checking

Your auto loan or mortgage loan generally qualify you for Interest Checking. Is your current loan with FAIRWINDS? If not, apply today and save!

$5k Savings Account

The $5k Savings Account monthly charge fee is waived with minimum $10 aggregate monthly automatic transfer from a FAIRWINDS checking account.

$5k Savings Account

The $5k Savings Account withdrawal fee is waived with any one of the following:
  • $5k Savings Account balance is greater than $5,000

  • $5k Savings Account has been opened for more than 3 years

Health Savings Account

Use your Relationship Rewards points to pay this service charge.

Learn more about Relationship Rewards.

ATM Transactions - Out of Network

This fee is waived for Interest and Simply Smarter Checking members.
(Out of Network ATMs are ATM networks other than FAIRWINDS and Presto!)

Bad Address

It is important that you update your mailing address so that you can receive timely information about your account. Simply contact us or log on to your account to update your address to avoid this service charge.

Check Copies

No charge to view/print through FAIRWINDS Online.

Premium Money Market

Simply maintain an average balance of $10,000 to avoid this service charge. If you find this is not routinely possible then transferring the balances to the Regular Money Market with a $2,500 minimum may be a better fit for you.

Regular Money Market

Simply maintain an average balance of $2,500 to avoid this service charge. If you find this is not routinely possible then transferring the balances to the Regular Savings Account with a $50 minimum may be a better fit for you.

Savings Account

Avoiding this service charge is easy. Simply maintain $50 in the savings account itself, or maintain at least $50 in all your deposit accounts including savings, money market, CDs and Membership Share.

If you find that you still cannot maintain at least $50 then the best decision may be for you to close the account until you build your savings back up.

GAP Vehicle Protection

Use your Relationship Rewards points to help pay this cost.

Learn more about Relationship Rewards.

Loan Late Fee (7 days past due)

Never worry about remembering to make a payment with auto-pay from your FAIRWINDS checking, savings or money market accounts. You can choose to pay weekly, bi-weekly or monthly and the funds will be automatically transferred from the FAIRWINDS account of your choice.

Mechanical Repair Coverage

Use your Relationship Rewards points to help pay this cost.

Learn more about Relationship Rewards.

Real Estate Application

There is no charge for the mortgage application during our "Home Team" promotion April 18 – May 31, 2011.

Real Estate Closing

Use your Relationship Rewards points to help pay this cost.

Learn more about Relationship Rewards.

Insufficient Funds (NSF)

Keeping track of all your transactions is the best way to avoid this service charge. Monitor your account activity and balances real-time by signing up for e-Alerts today! Learn more about e-Alerts.

Setting up an overdraft account (either a deposit account or a line of credit) for your checking account in another way to avoid this service charge.

And for those "oops" moments you can use your Relationship Rewards to waive this service charge twice each year. Learn more about Relationship Rewards.

Premium Overdraft Protection

Keeping track of all your transactions is the best way to avoid this service charge. Monitor your account activity and balances real-time by signing up for e-Alerts today! Learn more about e-Alerts.

Setting up an overdraft account (either a deposit account or a line of credit) for your checking account in another way to avoid this service charge.

Premium Overdraft Plus

Keeping track of all your transactions is the best way to avoid this service charge. Monitor your account activity and balances real-time by signing up for e-Alerts today! Learn more about e-Alerts.

Setting up an overdraft account (either a deposit account or a line of credit) for your checking account in another way to avoid this service charge.

Overdraft Transfers

This $10 per day service charge occurs when you overdraft money to your FAIR or Simply Smarter Checking account. Avoid this charge by keeping a cushion of funds in your checking account. You may also transfer money to your checking account from your savings when you anticipate an overdraft.

And for those "oops" moments you can use your Relationship Rewards to waive this service charge twice each year. Learn more about Relationship Rewards.

This fee is waived for Interest Checking members.

Know your account balance all the time! Sign up for e-Alerts and receive real time notice of items clearing your account and balance notifications. Learn more about e-Alerts.

Uncollected Funds

An Uncollected Funds service charge occurs when you make a purchase with your debit card but your available balance is not enough to cover the purchase. The available balance is your balance minus any check holds or debit card authorizations from merchants that may be processed on your account.

Keeping track of all your transactions is the best way to avoid this service charge. Monitor your account activity and balances real-time by signing up for e-Alerts today! Learn more about e-Alerts.

Setting up an overdraft account (either a deposit account or a line of credit) for your checking account in another way to avoid this service charge.

Safe Deposit Services

Use your Relationship Rewards points to help pay for this service.

Learn more about Relationship Rewards.

Cashiers Checks

This fee is waived for Interest and Simply Smarter Checking members.

Money Orders

This fee is waived for Interest, Simply Smarter, and UCF Student Checking members.

Statement Copies

With our free online banking you have access to 36 months of statement history to access and print at your convenience.

FAIRWINDS FAIR Checking
Monthly Charge $7.50
FAIRWINDS Simply Smarter Checking
Monthly Charge $10
FAIRWINDS Interest Checking
Monthly Charge $25
FAIRWINDS UCF Student Checking
Monthly Charge No Charge
$5k Savings Account
Monthly Charge $10
Withdrawal Fee $10
Health Savings Account
Account Set Up $10
Additional and/or Replacement Debit Card $5
Excess Contribution, per Return $10 each
Monthly Maintenance $2.50
Electronic Services
Bill Payer No Charge
Call 24 No Charge
e-Statements No Charge
FAIRWINDS Online No Charge
Card Services
ATM Transactions - At FAIRWINDS and Presto! No Charge
ATM Transactions - Out of Network
(ATM networks other than FAIRWINDS and Presto!)
$2 each
Credit Card Balance Transfer Fee 3%, $5 minimum
Credit Card Cash Advance Fee 4%, $10 minimum
Credit Card Late Fee (3 days past due) Up to $35
Credit Card Returned Payment Up to $30
Credit and Debit Card Foreign Currency Exchange Rate 2% of transaction
Debit Card Replacement $5
Inactive Debit Card
(After 6 months of inactivity)
$1.50 per month
Deposit Services
Account Reconcilement $20 per hour
Bad Address $5 per month
Bill Payment Check Copy Fee $10 each
Check Copies (Delivery of printed copies)
(No charge to view/print through FAIRWINDS Online)
$5 each
Check Copies Within One Day $10 each
Dormant Account after 12 Months
(Per account under $500)
$10 per month
Early Closing Fee (Within 30 days) $15
Premium Money Market
(Average monthly balance below $10,000)
$15 per month
Regular Money Market
(Average monthly balance below $2,500)
$12 per month
Restricted Holiday Account - Early Withdrawal
(Prior to November 1st and after December 31st.)
$5 each
Return Deposit Items (Due to NSF/UCF) $15 each
Return Deposit Items (For reason other than NSF/UCF) $35 each
Redeposit of a Return Deposit Item
(Per member request)
$12 each
Savings Account Service Charge
(Cumulative deposit balance below $50/month excluding checking)
$5 per month
Stop Payment $30 each
Stop Payment Removal $10 each
Loan Services
FAIRWINDS Loan Payment online by ACH
(From funds at another financial institution)
$2 each
Loan Payments by ACH, Credit or Debit Card
(Employee Assisted)
$7.95 each
GAP Vehicle Protection $395/$495
Letter of Credit $250
Lien Recording Fee (Vehicle Loan) Actual Cost
Loan Late Fee (7 days past due) 5% of monthly payment   
($5 min./no max.)
Loan Processing Fee 2% of balance ($10 min./$45 max.)
Mechanical Repair Coverage Actual Cost
Real Estate Application $95
Real Estate Closing Actual Cost
Real Estate Conversion $250 each
Real Estate Points Quoted Daily
Overdraft
Insufficient Funds (NSF)
(ACH transactions, ATM, check, and everyday debit transactions.)
$35 each
Overdraft Transfers $10 per day
Premium Overdraft Protection
(Checks and ACH)
$35 per item
Premium Overdraft Plus
(Checks, ACH, Debit and ATM transactions)
$35 per item
Uncollected Funds $35 each
Safe Deposit Services
3x5 $25 per year
5x5 $30 per year
3x10 $50 per year
5x10 $75 per year
10x10 $110 per year
Drilling of Lock Actual Cost
Key Replacement $50 each
Wire Services
Incoming Domestic $10 each
Incoming International $20 each
Outgoing Domestic $20 each
Outgoing International $40 each
Miscellaneous
Cashiers Checks $5 each
Coin-Over 20 Rolls per Day $2 per 20, over 20
Coupon Redemption $50
Express Mail Delivery
(Next day and second day)
$20 - $75
Fax Service
(local, per page)
$1 each
Foreign Currency Actual Cost
+ $5 per order
Garnishment/Levy Processing $100 each
Money Orders $4 each
Non-member Certifying a FAIRWINDS Check $10 each
Research $20 per hour
Statement Copies (Previous 3 months) No Charge
Statement Copies $5 each
Verification of Deposit $10 each

Consumer Service Charge Schedule

Current Service Charge Schedule
View Service Charge Schedule

Business Service Charge Schedule

Current Service Charge Schedule
View Service Charge Schedule