This offer is only available to new members who opened their membership online. The offer excludes: members who did not establish their membership online; existing members who are the primary owner of a FAIRWINDS account and whose membership was established online more than 60 days from the Membership Share account opening date; new members who opened a Ramsey Smart Bundle; members under 18 years of age at the time of account opening; and employees of FAIRWINDS. This offer expires 60 days from the date the new Membership Share account was opened. Membership and eligibility requirements apply. Only one offer may be redeemed per primary member.

Qualifying Activities for Reward Eligibility

To receive the reward of $50, you must have an active FAIRWINDS checking account, activate the offer and complete at least three of the following qualifying activities before your expiration date.

1. Sign up for direct deposit.

You must receive a total of $500 in qualifying direct deposits in your new checking account before your offer expires. 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 FAIRWINDS accounts or between a FAIRWINDS account and an account at another financial institution or brokerage do not qualify.

2. Enroll in Change it Up.

Your new checking account must be enrolled in Change it Up. The receiving account can be either a qualifying savings or a qualifying loan. You must meet all other Change It Up criteria to enroll.

3. Use your new debit card to make a purchase.

You must make at least one qualifying purchase from your checking account with your new FAIRWINDS debit card before your offer expires. Qualifying purchases include all debit card transactions except for ATM transactions or balance inquiry transactions.

4. Open a new consumer savings account or certificate of deposit account.

Your new account must be funded before this offer expires. The Membership Share account does not qualify.

5. Open any consumer loan, including auto, personal, line of credit, home equity, mortgage or credit card.

Credit limit increases on existing cards do not qualify. The new loan and credit card must be approved, and loan funded before this offer expires. Loan and credit card applications are subject to credit approval, and verification of information provided on the application. Other terms and conditions may apply.

Reward Payout

The reward will be deposited to the new checking account by 7:00 PM EST on the same day that all qualifying activities are fully satisfied. Otherwise, rewards will be posted on the following day, excluding Sundays and federal holidays. To receive the reward, the new checking account must be in good standing, must not have a negative balance, and must not be closed or restricted at the time of payout. Payouts are based on the primary account owner of the new checking account completing at least three qualifying activities. Accounts with multiple owners will only receive one payout.

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. The Maximize Your Membership Offer 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. The Maximize Your Membership Offer payouts may be reported as income to the IRS and may be taxable to you. Please consult your tax advisor if you have questions about the tax treatment of the reward payout.