Refer & Earn
We’re so excited your friend Carl invited you to join FAIRWINDS!
When you open a FAIRWINDS Spending or Checking Account and complete a direct deposit of $200 or more within 45 days of account opening, you and your referring friend will both be rewarded.
Make sure you open the account with the Refer & Earn code to qualify for the $100 reward.*Start Now
Freedom Spending Account, a free checking account that's anything but basic.
When it comes to financial freedom, it’s not about how much you earn. It’s about how much you spend.
We don't charge a monthly fee or require a minimum balance. We put simplicity back in banking with all the latest features you'd expect from a premium checking account.
Zero, Zilch, Zip, Nada, Nothing
Save more with...
- No monthly service charge and
- No monthly minimum balance requirement
Automatically build your savings or pay down your debt
Change is a good thing, especially when it helps you save more and eliminate debt. Automatically round up your checking debit card purchases to the nearest dollar and the difference will deposit directly into your savings or loan account.
Our members added $15,481,760.86 to their savings so far.
Mobile payment options
Ditch your actual wallet and make contactless payments with your mobile wallet instead. Using money from your checking account instead of racking up credit card debt.
Get real-time account alerts
You have a personal assistant to keep you in the know about changes to your checking account balance, when your direct deposit comes in (cha-ching!), withdrawals, and more.
Can’t find your debit card?
It happens, but don’t stress. Temporarily lock your debit card instantly if you think it's lost or stolen.
Know how much you’re spending and where?
Remember, you manage your money – your money doesn’t manage you. So put your money to work with free tools to help you track (and adjust) your spending, pay off debt, and save more – all from your desktop or mobile device.
Your debit card is the key to access and rewards
33,000+ ATM locations nationwide. Rewards on select debit card purchases. It's easy to access your money wherever you go and earn cash back with a swipe of your card.
Improving lives through financial literacy
A percentage of the credit union’s revenue goes to fund the FAIRWINDS Foundation. The Foundation supports nationwide financial literacy initiatives aimed at improving the financial well-being of those throughout our communities.
*FAIRWINDS Member Referral Program Terms & Conditions
In order for both the referred individual and the referring FAIRWINDS member to each qualify for and receive the $100.00 referral reward, the following conditions must be met: The referred individual may not have previously been an owner on or a party to a FAIRWINDS account; the referred individual must open a new FAIRWINDS consumer Spending or Checking Account during the eligible program period; the referred individual must open the new account using the referring FAIRWINDS member's unique referral link; and the referred individual must receive in the new Spending or Checking Account a qualifying direct deposit of $200.00 or more (excluding the new account deposit used to fund/open the account) within 45 calendar days of opening. Your qualifying direct deposit needs to be an Automated Clearing House (ACH) deposit of your paycheck, pension, or government benefits (including Social Security) from the government or your employer. Person-to-person transfers (such as Zelle, PayPal or Venmo) and bank transfers between your FAIRWINDS or any other accounts you have at other financial institutions or brokerages do not qualify. The referring FAIRWINDS member must be in good standing with the credit union and must be an owner of a FAIRWINDS consumer Spending or Checking account in order to be eligible for a referral reward. FAIRWINDS Credit Union employees are not eligible to receive any referral program rewards.
Rewards that have been fully earned and qualified for will be paid to each party on or about the 15th day of the month following the deposit of the qualifying funds into the referred individual's new Spending or Checking Account. Only one reward will be provided per referred individual. A referring FAIRWINDS’ member can only receive a total of up to $1,000 in referral rewards per calendar year. Referred individuals acknowledge that payment of the reward will result in the referring member's knowledge of the referred individual's establishment of a new account with FAIRWINDS.
The Member Referral Program may be terminated or withdrawn at any time, and is subject to change at any time, with or without prior notice. FAIRWINDS reserves the right to suspend or terminate a member's eligibility to participate in this program at any time with or without prior notice. Member Referral Program rewards may not be combined with other offers or programs. Referral rewards may be reported as income to the IRS and may be taxable to you. The referred individual and the referring member may be responsible for any tax resulting from receipt of a referral reward. Please consult your tax advisor if you have questions about the tax treatment of the referral reward.
A $5 membership share is required to open an account at FAIRWINDS. The Freedom Spending Account requires $25 to open.