Discover checking that's truly personal.
No matter where you are on the path to Financial Freedom, FAIRWINDS checking accounts can help you manage your money on that journey.
Fast-Track Your Financial Goals
This isn’t just a sweepstakes — it’s your chance to fast-track your goals, take control of your future, and move one step closer to the life you’ve been working toward. Becoming a FAIRWINDS member isn’t just how you enter; it’s how you start owning your financial future.
Get StartedCompare Checking Accounts
Discover our different types of checking accounts to best fit your lifestyle.Freedom Builder
Ideal for | Members under 25 who want to avoid overspending, or anyone looking to manage their money better. |
Monthly Service Charge | $5
|
Minimum to Open | $25 |
Insufficient Funds | No Charge |
Freedom Spending Account
Ideal for | Members who want simple, stress-free checking with no monthly fees or minimum balance requirements. |
Monthly Service Charge | $0 |
Minimum to Open | $25 |
Spend Smart Checking
Ideal for | Members ready to take control of their money and start building toward long-term goals with confidence. |
Monthly Service Charge | $0 |
Minimum to Open | $25 |
Out-of-Network ATM Refunds | Up to $10 in monthly refunds |
Rebated Incoming Domestic and International Wires | |
Insufficient Funds | Up to 2 refunded per year |
Account Requirements | Automatically bundled with our high-yield Save Smart Savings Account |
Signature Checking
Ideal for | Members who want concierge-level service, premium rates, and perks that make managing money effortless. |
Monthly Service Charge | $25 |
Minimum to Open | $25 |
Out-of-Network ATM Refunds | Unlimited refunds |
Rebated Incoming Domestic and International Wires | |
Free Money Orders, Cashier's Checks, and Stop Payments | |
Free Checks | |
Insufficient Funds | Up to 2 refunded per year |
Every FAIRWINDS Checking Account Includes
Receive eligible direct deposits up to two days early.1
Free ATM transactions at 33,000+ in-network locations nationwide.
No international debit card transaction fees.
Move money easily and securely with Zelle®2
Debit card round-up program for building savings and faster loan paydown.
UCF Student Checking Account
As the official student banking partner of UCF, we’re here to help you easily manage your money throughout your college journey with an account that has no monthly service charge and no minimum balance requirement.
† Investment Advisory Services offered through LPL Financial, a Registered Investment Advisor
Check the background of investment professionals associated with this site on FINRA's BrokerCheck.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. FAIRWINDS Credit Union and FAIRWINDS Wealth Management are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using FAIRWINDS Wealth Management, and may also be employees of FAIRWINDS Credit Union These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, FAIRWINDS Credit Union or FAIRWINDS Wealth Management. Securities and insurance offered through LPL or its affiliates are:
Not Insured by NCUA or Any Other Government Agency
Not Credit Union Guaranteed
Not Credit Union Deposits or Obligations
May Lose Value
Your Bank (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.
The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.