Spend Smart Checking

An account for members ready to take control of their money and start building toward long-term goals with confidence.

Open Now

Smiling woman using a smartphone in a cozy living room, with overlaid graphics showing the FAIRWINDS banking app interface, a completed debit card setup confirmation, and a transaction alert notification. The scene illustrates features like account management, card activation, and balance alerts.

Get Paid 2 Days Early¹

No Monthly Service Charge

Over 33,000 Free ATMs

An Account Built For You

Get paid up to two days early with direct deposit.
Easily send money to friends, family, and others you trust with Zelle®².
Access to over 33,000 ATMs and 5,000 branches nationwide for free and receive up to $10 in monthly refunds whenever accessing out-of-network ATMs.
No international debit card transaction fees.
Incoming domestic and international wire fees are rebated.

Automatically bundled with our high-yield Save Smart Savings Account.
$25 minimum opening deposit.
No monthly service charge and no minimum balance requirement.
Two NSF (Non-Sufficient Funds) charges refunded each year.

Your Money, Your Way

Zelle®

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

Mobile Wallet

Add your debit card to Apple Pay®, Google Pay®, or Samsung Pay® and make secure purchases in seconds.

Free Nationwide Access

Tap into over 33,000 fee-free ATMs and partner branches nationwide.

Get Paid Early

Get paid up to two days early with direct deposit¹.

Find the Visa® Debit Card That's Right For You

Choosing debit over debt helps you stay in control of your money — because when you spend what you have instead of borrowing what you don't, you build real financial freedom one purchase at a time. We have many Visa® debit card options to choose from to match your personality.

Go Bold

Camouflage

Floral

Red, White, and Blue

Black and Gold

Be Weird

(Exclusively Designed for Ramsey Fans)

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

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.