Refer & Earn

The Refer & Earn campaign is over,

but you can still join and we'll help you on your journey to achieve financial freedom.

Join Today

Financial Freedom happens here.^®

We are dedicated to helping our members save more, eliminate debt, build wealth, and live generously.

Be part of a community that cares.

When you join FAIRWINDS, you join a community of thousands of passionate financial freedom seekers worldwide.

Your accounts are federally insured.

Deposit accounts with FAIRWINDS are federally insured for up to $250,000 by the NCUA and the NCUSIF.

Checking Account Benefits and Features

When you open a Preferred or Signature Checking account with FAIRWINDS, you’ll enjoy convenient features to help you save more and make banking easier.

Receive out-of-network ATM refunds.
Unlock access to savings accounts with premium interest rates with no service charge.
Free ATM Transactions at 33,000+ FAIRWINDS, Presto!, and CO-OP Locations.

Free overdraft transfers, incoming wires, and stop payments.
Receive your eligible direct deposits up to two days early¹, including paychecks, tax refunds, pensions, and more.
Easily send money to friends, family, and others you trust with Zelle®².

Compare Checking Accounts

Find an account that best fits your lifestyle.

	Preferred Checking	Signature Checking
Description	With a Preferred Checking account you'll earn interest along with preferred ATM access and Preferred Savings rates.	Our most rewarding checking account offers premium interest rates, access to a premium interest savings account, and no ATM fees.
Monthly Service Charge	$10 Waived with either $1,000 in total monthly direct deposits, or with $10,000 or greater average monthly deposit balance, or by maintaining an investment* account balance of $10,000 or greater.	$25 Waived with either $25,000 or greater average monthly combined deposit balance* or $25,000 or greater investment** account balance.
Free ATM Transactions at 33,000+ FAIRWINDS, Presto!, and CO-OP Locations
Out-of-Network ATM Refunds	Up to $10 in monthly refunds	Unlimited refunds
Automated Debit Card Round-Up Program to Add to Your Savings or Pay Down Your Loan
Free Money Orders, Cashier's Checks, Incoming Wires, and Stop Payments
Access to Higher Earnings	Qualifies for Preferred Savings Account	Qualifies for Signature Savings Account
Early Direct Deposit
Move Money with Zelle®
	Learn More	Learn More

Preferred Checking

Learn More

Description	Earn more interest.
Monthly Service Charge	$10 Waived with either $1,000 in total monthly direct deposits, or with $10,000 or greater average monthly deposit balance, or by maintaining an investment* account balance of $10,000 or greater.
Free ATM Transactions at 33,000+ FAIRWINDS, Presto!, and CO-OP Locations
Out-of-Network ATM Refunds	Up to $10 in monthly refunds
Automated Debit Card Round-Up Program to Add to Your Savings or Pay Down Your Loan
Free Money Orders, Cashier's Checks, Incoming Wires, and Stop Payments
Access to Higher Earnings	Qualifies for Preferred Savings Account
Early Direct Deposit
Move Money with Zelle®

Signature Checking