FAIRWINDS credit union fees
FAIRWINDS prints $25 a month for Signature Checking, and $30 when it pays or sends back a payment the account cannot cover. The wider US list is US overdraft fees by bank.
Last updated: October 25, 2026
Last checked: Oct 2026
The monthly account fee
Opened 25 October 2026. The figures are from the FAIRWINDS consumer service charge schedule, effective 30 January 2026. More bank fee pages are on US bank fees and overdraft fee guides.
Signature Checking is $25 a month. That fee is waived with a $25,000 average monthly combined deposit balance, or with an investment account balance of $25,000 or more. Preferred Checking is $10 a month and is no longer offered as of 12 November 2025. If you already have it, the waiver is $1,000 in total monthly direct deposits, a $10,000 average combined deposit balance, or an investment balance of $10,000 or more.
Emergency Savings and Freedom Savings are $5 a month. One way to waive that fee is an average monthly balance of at least $300 in the account, or a deposit or transfer of at least $25 in the month. Signature Checking owners also have the savings fee waived. Other monthly fees are on monthly checking account fees by bank.
A yearly total from numbers you type is on the bank fee calculator. It does not look up this institution.
| Account | Monthly fee | One way to waive it |
|---|---|---|
| Signature Checking | $25 | $25,000 average combined deposits, or a $25,000 investment balance |
| Preferred Checking, no longer offered | $10 | $1,000 in monthly direct deposits, or a $10,000 combined balance |
| Emergency Savings | $5 | $300 average balance, or a $25 deposit in the month |
| Freedom Savings | $5 | $300 average balance, or a $25 deposit in the month |
A payment the account cannot cover
When a check, an automatic withdrawal, or a repeating debit card payment is presented and the available balance is not enough, the fee is $30 if FAIRWINDS pays it or sends it back. An ATM withdrawal or an everyday debit card purchase that FAIRWINDS pays in the same situation is also $30. The schedule caps the combined count of those fees at five in one day.
A separate line, for money that is in the account but still on hold, is $30 and is capped at five in one day on its own. A stop on a check, an automatic payment, or a bill payment is $30, and that stop fee is waived on Signature Checking and Preferred Checking. An ATM FAIRWINDS does not own is $2.50. Signature Checking refunds that ATM fee. How to ask about a fee that already posted is on how to ask about an overdraft fee. How several can land on one day is on multiple overdraft fees in one day.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Line | What the schedule prints |
|---|---|
| Payment paid or sent back | $30 |
| ATM or everyday debit the credit union pays | $30 |
| Daily cap on those fees together | 5 a day |
| Money on hold, and the credit union pays | $30 |
| Stop a payment | $30 |
| ATM the credit union does not own | $2.50 |
Questions
- How much is a FAIRWINDS checking account a month?
- The consumer schedule effective 30 January 2026 prints $25 a month for Signature Checking. It is waived with a $25,000 average combined deposit balance or a $25,000 investment balance. Preferred Checking is $10 a month and is no longer offered as of 12 November 2025.
- What does FAIRWINDS charge when a payment cannot be covered?
- The same schedule prints $30 when it pays or sends back a check, an automatic withdrawal, or a repeating debit the account cannot cover. An ATM withdrawal or everyday debit card purchase it pays is also $30.
- How many of those FAIRWINDS fees can land in one day?
- The schedule says it will not charge more than five of those payment fees combined in one day. The separate fee for money that is still on hold has its own cap of five a day.