Overdraft Protection That Puts You in Control
Unexpected hardships don't have to result in financial chaos. With FAIRWINDS overdraft protection, you'll have peace of mind knowing your accounts are covered.
What Overdraft Protection Does FAIRWINDS Offer?
Surprise expenses and timing gaps happen, even when you’re managing your money well. FAIRWINDS offers three overdraft protection options to help you manage these moments with less stress and more confidence.
Overdraft Protection Transfer
Our Overdraft Protection Transfer option automatically transfers money from an eligible savings account to your checking account.
Courtesy Pay
Courtesy Pay steps in when the timing of your payments doesn’t match your balance. It helps ensure bills aren’t returned.
Courtesy Pay Plus
Courtesy Pay Plus expands Courtesy Pay coverage to help prevent essential purchases from being declined due to timing issues.
Compare Overdraft Protection Services
Overdraft Protection Transfer | |
|---|---|
Transactions Covered | All eligible transactions |
Ideal For | Members with eligible savings who want a simple, no‑fee backup |
What's Required | An active checking account and an eligible savings account |
Service Charge | Free |
Courtesy Pay | |
|---|---|
Transactions Covered | Checks, ACH and recurring debit card withdrawals |
Ideal For | Members who want reliable support for their recurring payments |
What's Required | A checking account that has been open for 30 days, and accounts and loans that are in good standing |
Service Charge | $30 per item (approved or rejected) |
Courtesy Pay Plus | |
|---|---|
Transactions Covered | Debit card purchases and ATM transactions |
Ideal For | Members who use their debit card and want coverage for unexpected shortages |
What's Required | Enrollment in Courtesy Pay, a checking account that has been open for 30 days, and accounts and loans that are in good standing |
Service Charge | $30 per item (if approved) |
Tips for Avoiding Overdrafts
Leave a Small Buffer in Your Checking Account
Set Up FAIRWINDS Account Alerts
Check Your Available Balance Before Purchases
