Freedom Spending Account

Our basic checking account that's anything but basic. This checking account includes no monthly service charge or minimum balance requirement.

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No fee/$0

No Fees

Save more with no monthly service charge and no monthly minimum balance requirement.

Credit Card

Debit Card Round-Up

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

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Early Direct Deposit

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

More Benefits and Savings

  • Access to more than 33,000+ fee-free nationwide CO-OP ATM locations

  • Easily send money to friends, family, and others you trust with Zelle®

Account Details

  • $25 minimum opening deposit

  • No monthly service charge

  • No monthly minimum balance requirement

See our Service Charge Schedule for additional fees that apply to all FAIRWINDS accounts.

Convenience at Every Opportunity

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Debit Card Options

Our debit cards come with tap-to-pay and the ability to lock or unlock your card instantly if it's ever lost or stolen.

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Mobile Wallet

Manage your money safely with the convenience of Apple Pay®, Google Wallet®, and Samsung Pay®.

Money transfer

Zelle®

Easily send and receive money with Zelle® in the FAIRWINDS Mobile app or FAIRWINDS Online Banking.

A Card to Match Your Personality

"Go Bold" debit card design.
Go Bold
Camouflage debit card design
Camouflage
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Floral
Red, white, and blue debit card design.
Red, White, and Blue
"Black and Gold" debit card design to support UCF.
Black and Gold
"Set Sail" debit card design.
Set Sail

Tools to Help Serve You

Free Budgeting Tools

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

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.

Secure Your Debit Card

Temporarily lock your debit card instantly if you think it's lost or stolen.

Contactless Payments

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

EasyVest® Digital Advisor

Start investing with as little as $200 through EasyVest® Digital Advisor, an automated investment management tool.