Freedom Builder Account

Members under 25 who want to avoid overspending, or anyone looking to manage their money better.

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A spending account that prioritizes your peace of mind.

Spend What You Have

You'll never have to worry about spending more than you have. This account has no overdraft charges or insufficient funds fees.

Get Paid Early

Receive your eligible direct deposits up to two days early, including paychecks, tax refunds, and more.¹

No Hidden Fees

Enjoy no hidden fees and no minimum balance requirements. Plus, no monthly service charge for members under age 25.

More Benefits and Savings

Access to over 33,000 ATMs and 5,000 branches nationwide for free.
No insufficient funds (NSF) or overdraft fees.*
Automatically build your savings or pay down debt with our debit card round-up program, Change it Up.
Manage your finances and achieve your goals with our free Goals and Budgets tool, available in FAIRWINDS online banking and our mobile app.

Details

$25 minimum opening deposit.
No minimum balance requirement.
$5 monthly service charge, waived for members under age 25.
No paper check writing.

Convenience at Every Opportunity

See how we make banking easier.

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Manage Your Money on the Move

Download our mobile app and stay connected to your finances anytime, anywhere with our secure technology and convenient digital banking features.

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Send Money with Zelle®

Easily send and receive money to friends and family with Zelle®³ through your FAIRWINDS account online and our mobile app.

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Pay with Your Digital Debit Card

Securely pay with your smartphone anywhere you go by adding your FAIRWINDS Visa® Debit Card to your mobile wallet using Apple Pay®, Google Wallet®, and Samsung Pay®.

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Certified Low-Cost Account

Our Freedom Builder Account has been certified by BankOn for meeting the National Account Standards as a low-cost, low-fee account.

Certified Low-Cost Account

Our Freedom Builder Account has been certified by BankOn for meeting the National Account Standards as a low-cost, low-fee account.

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Tools to Help Serve You

Free Budgeting Tools

Track and adjust your spending, pay off debt, and save more, all from your mobile device.

Learn More

Mobile Check Deposit

Deposit checks securely from the FAIRWINDS Mobile App by snapping a photo.

Account Alerts

Get real-time account alerts sent to your phone or email and have peace of mind. Message and data rates may apply.

Contactless Payments

Tap your FAIRWINDS Visa® card and pay for purchases safely and securely.

Debit Card Round-Up

Automatically round up your debit card purchases to build your savings with our debit card round-up program, Change it Up.

Make Some Change

*Overdraft Fees, Insufficient Funds Fees (NSF) or Uncollected Funds Fees will not be imposed on a Freedom Builder Account if your available balance on the account is not sufficient to pay an item and we reject and return the item or pay the item (bringing your account negative). For example, preauthorized transactions and other transactions on a Freedom Builder Account may be paid and post to the account even when the available balance is not sufficient to pay the item.

1. FAIRWINDS offers Early Direct Deposit to members who set up direct deposit with their employer or payor, allowing access to funds up to two business days before your scheduled pay date. Early access for all direct deposits is not guaranteed and may not be consistently available. The timing of when these transactions are credited depends on when the employer or payor submits the information to us. Not all direct deposits qualify; direct deposits are limited to electronic deposits such as payroll, pensions, and government benefits through the ACH network. We reserve the right to determine whether certain deposit amounts, deposit types, or member accounts are excluded from the service. If funds are made available early but not collected, you are liable to repay them, and overdraft fees apply. FAIRWINDS may modify or terminate Early Direct Deposit at any time without notice to you.

2. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC, and are used herein under license. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.