Refer & Earn

Earn $175 when you join FAIRWINDS.

We’re so excited Nicholas invited you!

To help celebrate our 75 years of financial freedom, we are offering you $175* when you open a Preferred or Signature Checking Account and complete payroll deposit(s) totaling $1,000 or more within 60 days of account opening. Plus, will receive $75 for introducing us to you!

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Financial Freedom happens here.^®

We are dedicated to helping our members save more, eliminate debt, build wealth, and live generously.

Be part of a community that cares.

When you join FAIRWINDS, you join a community of thousands of passionate financial freedom seekers worldwide.

Your accounts are federally insured.

Deposit accounts with FAIRWINDS are federally insured for up to $250,000 by the NCUA and the NCUSIF.

Checking Account Benefits and Features

When you open a Preferred or Signature Checking account with FAIRWINDS, you’ll enjoy convenient features to help you save more and make banking easier.

Receive out-of-network ATM refunds.
Unlock access to savings accounts with premium interest rates with no service charge.
Free ATM Transactions at 33,000+ FAIRWINDS, Presto!, and CO-OP Locations.

Free overdraft transfers, incoming wires, and stop payments.
Receive your eligible direct deposits up to two days early, including paychecks, tax refunds, pensions, and more.
Easily send money to friends, family, and others you trust with Zelle®.

Compare Checking Accounts

Find an account that best fits your lifestyle.

	Preferred Checking	Signature Checking
Description	With a Preferred Checking account you'll earn interest along with preferred ATM access and Preferred Savings rates.	Our most rewarding checking account offers premium interest rates, access to a high-yield savings account, and no ATM fees.
Monthly Service Charge	$10 Waived with either $1,000 in total monthly direct deposits, or with $10,000 or greater average monthly deposit balance, or by maintaining an investment* account balance of $10,000 or greater.	$25 Waived with either $25,000 or greater average monthly combined deposit balance* or $25,000 or greater investment** account balance.
Free ATM Transactions at 33,000+ FAIRWINDS, Presto!, and CO-OP Locations
Out-of-Network ATM Refunds	Up to $10 in monthly refunds	Unlimited refunds
Automated Debit Card Round-Up Program to Add to Your Savings or Pay Down Your Loan
Free Money Orders, Cashier's Checks, Incoming Wires, and Stop Payments
Access to Higher Earnings	Qualifies for Preferred Savings Account	Qualifies for Signature Savings Account
Early Direct Deposit
Move Money with Zelle®
	Learn More	Learn More

Preferred Checking

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Description	Earn more interest.
Monthly Service Charge	$10 Waived with either $1,000 in total monthly direct deposits, or with $10,000 or greater average monthly deposit balance, or by maintaining an investment* account balance of $10,000 or greater.
Free ATM Transactions at 33,000+ FAIRWINDS, Presto!, and CO-OP Locations
Out-of-Network ATM Refunds	Up to $10 in monthly refunds
Automated Debit Card Round-Up Program to Add to Your Savings or Pay Down Your Loan
Free Money Orders, Cashier's Checks, Incoming Wires, and Stop Payments
Access to Higher Earnings	Qualifies for Preferred Savings Account
Early Direct Deposit
Move Money with Zelle®

Signature Checking

Learn More

Description	Our most rewarding checking account offers premium interest rates, access to a high-yield savings account, and no ATM fees.
Monthly Service Charge	$25 Waived with either $25,000 or greater average monthly combined deposit balance* or $25,000 or greater investment** account balance.
Free ATM Transactions at 33,000+ FAIRWINDS, Presto!, and CO-OP Locations
Out-of-Network ATM Refunds	Unlimited refunds
Automated Debit Card Round-Up Program to Add to Your Savings or Pay Down Your Loan
Free Money Orders, Cashier's Checks, Incoming Wires, and Stop Payments
Access to Higher Earnings	Qualifies for High-Yield Signature Savings Account
Early Direct Deposit
Move Money with Zelle®

Earn $175 when you join FAIRWINDS.

To help celebrate our 75 years of financial freedom, we are offering you $175* when you open a Preferred or Signature Checking Account and complete payroll deposit(s) totaling $1,000 or more within 60 days of account opening. Plus, will receive $75 for introducing us to you!

Start Now

* Offer available from January 29, 2024, through December 31, 2024. In order for both the referred individual and the referring FAIRWINDS member to each qualify for and receive the referral reward, the following conditions must be met: The referred individual may not have previously been an owner on or a party to a FAIRWINDS account; the referred individual must open a new FAIRWINDS consumer Preferred or Signature Checking Account with a minimum deposit of $25.00 at new account opening; during the eligible program period, the referred individual must open the new account using the referring FAIRWINDS member's unique referral link; and the referred individual must receive in the new Preferred or Signature Checking Account a cumulative qualifying direct deposit(s) of $1,000.00 or more (excluding the new account deposit used to fund/open the account) within 60 calendar days of opening. A “qualifying direct deposit” is an Automated Clearing House (ACH) deposit of a paycheck, pension, or government benefit (including Social Security) from the government or your employer. Person-to-person transfers (such as Zelle, PayPal or Venmo) and bank transfers between a FAIRWINDS account or an account at other financial institutions or brokerages do not qualify. The referring FAIRWINDS member must be in good standing with the credit union and must be an owner of a FAIRWINDS consumer Spending or Checking account in order to be eligible for a referral reward. FAIRWINDS Credit Union employees are not eligible to receive any referral program rewards.

Rewards that have been fully earned and qualified for will be paid to each party on or about the 15th day of the next month following the deposit of the sufficient qualifying funds into the referred individual's new Preferred or Signature Checking Account. Only one reward will be provided per referred individual. The code used by the referred individual will determine the referring member. A referring FAIRWINDS member can only receive a total of 10 referral rewards. The amount of the reward is the reward amount in effect at the time of the reward payout. All decisions of FAIRWINDS as to the amount and sufficiency of qualifying deposits and reward amounts are final. Referred individuals acknowledge and agree payment of the reward will result in the referring member's knowledge of the referred individual's establishment of a new account with FAIRWINDS and may result in disclosure to the referring member’s knowledge of the deposit activity of the referred individual within the period of 60 days of account opening. By accepting a reward, the referred individual consents to disclosure of account opening and deposit history to the referring member.

The Member Referral Program may be terminated or withdrawn at any time and is subject to change at any time, with or without prior notice. FAIRWINDS reserves the right to increase or decrease the amount of the reward from time to time. FAIRWINDS reserves the right to enroll, suspend, or terminate a member's eligibility to participate in this program at any time, with or without prior notice. Member Referral Program rewards may not be combined with other offers or programs. Referral rewards may be reported as income to the IRS and may be taxable to you. The referred individual and the referring member may be responsible for any tax resulting from receipt of a referral reward. Please consult your tax advisor if you have questions about the tax treatment of the referral reward.

Earn $175 when you join FAIRWINDS.

Financial Freedom happens here.®

Be part of a community that cares.

Your accounts are federally insured.

Checking Account Benefits and Features

Compare Checking Accounts

Preferred Checking

Signature Checking

Earn $175 when you join FAIRWINDS.

Financial Freedom happens here.^®