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$100 For You. $100 For Your Friend.

Refer & Earn

We’re so excited your friend Justin 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 service 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 fee 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 $11,842,889.95 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.

Apple Pay, Samsung Pay, Google Pay

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.