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Fees are as high as the big banks, they dont have an ACH withdrawal cancellation tool, and during disputes they simply transfer you to the vendor, go to TD or Green, I was referred by a client who said credit unions dont have the corporate layer, but they have the corporate fees
I opened my checking account a few years ago after a bad experience with another credit union. I sat down with the representative, who was courteous, clear, and concise with all account information. Fees are normal, and the convenience of having a local Credit Union to answer questions and assist with your day to day services are top notch. When it comes time for me to get my next vehicle, I will definitely go with Fairwinds to get financed, as their rates are much lower than most other banks...overall, I'm very happy with my decision.…show more
I've had a fairwinds credit union checking account since I moved to FL. This is the one thing I have zero complaints about over at fairwinds. They only want you to have a modest $50 in your checking account monthly or be charged a maintenance fee of $5. They allow you to open checking accounts as minors, but it's a semi-joint checking account where the parents takes responsibility for what you do. There is a very small interest earnings of under 1%, I believe, but it's barely worth mentioning.…show more
I have worked with FAIRWINDS through both personal and business banking scenarios. For personal use, they are excellent, have fantastic customer service, and convenient locations. They really outshine their competition when it comes to business banking, however. Their qualified representatives are able to resolve nearly all inquiries without escalation, whether you are the account holder, or you’re inquiring after funds sent to you from them through certified means. They provided exceptional service regarding an item which appeared to be fraudulent, when I was working with a major institution and were quick to resolve it both for my company and the individual on whose account the funds had been erroneously submitted.…show more
I have had my personal and business bank accounts with Fairwinds Credit Union for several years now and I have been pleased with their customer service since the beginning. The only issue I had so far was that they started charging me a monthly fee for my business accounts after I have been with them for several years. However the fact that they are always helpful and try to do their best to fit whatever needs you have, overcomes the fact of the small monthly fees. I would recommend Fairwinds Credit Union to anybody who lives in Central Florida for personal as well as small business accounts.…show more
I have had an awesome experience with Fairwinds since I moved to Orlando 3 months ago. The application process for my checking account went smoothly and so far I have not been hit with any unnecessary charges or fees. My personal banker has been very helpful in giving me information on car loans that I am thinking about getting. She has walked me through all of the information that I will need to provide and has even shown me a few tricks to get a better interest rate! Fairwinds has been a pleasure to bank through so far and I look forward to continuing my services with them.…show more
I have been a customer with Fairwinds for about 4 years now. I have found them to be very helpful in many cases. The only issue I have ever had was when deciding to take out car loan with them. While I may not have stellar credit, I was unable to get approval for a car loan with them. This was about a year ago and I felt that having been with them for 3 years already would have given me a little help when it came to the credit review. It was not a major situation, though I would have enjoyed the lower interest rate through Fairwinds. This kind of thing happens though. Otherwise, I have found all the employees to be very helpful and seemingly interested in helping me with my business.…show more
I have been with Fairwinds for about 3 years now, and for the most part it has been a pleasant experience. The customer service is always impeccable in all their locations, as they are quick and courteous. However, as a company themselves they seem to be a little bit behind compared to other Credit Unions when it comes to ease of banking. Their mobile app needs plenty of updating, and their much advertised process of taking a photo of a check to deposit it needs much improvement. But I do appreciate their daily text updates concerning my account balances and transactions. All in all, it is a great place to bank, I just hope they can eventually make things more user friendly on the mobile side.…show more
Fairwinds is a decent banking institution. I have been banking there for about two years. Anytime I have any type of problem they are quick to resolve it as soon as possible. The only problem I have ever had with them is when I applied for a mortgage loan. I was applying for a FHA loan and knew my score was high enough, however this bank requires your score to be higher than FHA guidelines so I did not get the loan however but I still bank with them. The location that I use the most has an 24 hour inside ATM, that requires you to scan your card in order to get inside. I like that safety feature, makes me feel safer going there at night.…show more
I switched to Fairwinds from SunTrust bank - a big leap from my comfort zone, but Fairwinds has proven to be more than capable. The credit union has what I personally need in a bank: online banking, online bill pay, and low fees - at least lower than SunTrust fees.
There are not many physical branches, so if you are one to visit the bank frequently, Fairwinds may not be for you. Fortunately for me, there are two branches close to where I live, and though one of them does not have a drive-through window, the other does. Check to see which branches are close to you, and whether they offer the services you need.
A few complaints: I could not cash in my son's piggy bank (full of coins) at a branch. They said they needed to have the coins wrapped first. I do not know if this is standard practice or not, but I found it strange nonetheless. Also, I did apply for a personal loan, and though I was contacted about it within a week, my account was given a different loan officer, and that person waited a month to call me.
Other than that, my experience has been fine, and the move to a credit union was painless. The tellers are always friendly, and usually give my sons candy. :) I would recommend Fairwinds as a solid alternative to a big bank anyday.…show more