FAIRWINDS Credit UnionReviews of fairwinds.org

I switched to Fairwinds and immediately ran into problems. I was charged multiple $30 overdraft fees with no real-time alerts. I only found out after logging into the app, and then the emails came in after the fact. My old bank (Capital One) gave a small overdraft cushion with no fees, so this felt really unfair. Fairwinds refunded one fee because of their annual rebate, but the rest stayed. Between the late notifications and harsh fees, I’m planning to switch banks.

HORRIBLE!!! I refinanced a vehicle with them about a year ago. I just traded thay vehicle in 5 weeks ago, and while at the dealer i called for payoff. The CS asked me supposedly my security question, which was supposed to be my mother's maiden name. They claimed it was wrong and refused to give me any info, including the payoff to trade it in. The lady was rude and said she would immediately email me a security question reset, but it would take up to a day for them to get it changed. This was 5 weeks ago, she never sent me the email, luckily the dealer used what my app showed and added some to it to be safe. Fast forward to today, I needed to talk to CS about canceling a gap insurance policy. We'll, same thing, wrong security question answer and refused to help, but of course was emailing me the reset question form. Yep, you guessed it, never sent it. You can offer your social, all your contact in, and they refuse to help, never send the email to correct. I am SOOOO glad I am done with this place, customer service is the worst.

BEWARE: FAIRWINDS CREDIT UNION IS CHARGING UNJUST FEES Just a heads-up to anyone banking with Fairwinds Credit Union — they’re charging uncollected and insufficient funds fees even when accounts have NOT gone negative. Even worse, they refuse to reverse the charges, even when proof is provided. This is unethical and predatory behavior from a financial institution that claims to “put members first.” If you’re banking with them, check your transactions closely. If you’re considering them — don’t. #Fairwinds #BankingScam #UnfairFees #CreditUnionWarning

I don't know how anyone can rate Fairwinds anything less than a 4 or 5. I've been with them since 1997. All my family that moved to Florida over the years, all have and love Fairwinds Credit Union. My sister, mom and myself moved from Florida to Georgia where there aren't any branches. We all kept our checking, savings, loans, with them. It's easy to bank by app, site, over the phone, and without any problems. It's going on 5 years since leaving Florida and keeping our accounts. They respond to emails, you get someone on the phone every time you call, make deposits with app, everything else online. They are honestly the greatest financial institution I have ever had! That's exactly why we won't use anyone else! If you have any questions about the legitimacy of this review, look me up and send me an email. #❤️FAIRWINDS

I hate this bank. Its so hard to pay my car loan online with there really bad website. Now that I moved away from Florida its even worse. Its like they dont want my money but then again mess up my credit. How in this day in age do you not have the option to use a debit card on your online portal to pay for a loan. Get it together and make it easier to pay you. My only option now is to pay over the phone and get hit with a $25 charge every time? you suck! Do better Fairwinds. And there home loan representative rude and insensitive and that why Neighbors Bank got my business for my home loan when I moved and purchased a new house. DO BETTER FAIRWINDS about taking care of your customers needs.

Worst Credit Union I have ever used. Was with them for 15 years, moved to South Carolina (took a fairly large sum of money from their bank). I had a credit card with them, but not an account, they made it impossible to make payments without paying over the phone with fees. After I paid the card in full they closed the credit card. I am moving back to Florida (with a much higher investment) and will not be reinvesting in their institution. I own 2 business with multiple accounts

I just recently applied for a loan with this Credit Union. They pull your Equifax credit report. Mind you there is nothing wrong with my credit report. I have a good score as well as I have no late payments, no charge offs, no collections and I was still not approved for a personal loan. All they did was send me an email mentioning that I didn’t get approved because of limited credit experience, length of time credit established and high balances on unsecured loans and credit cards. Once again, there is nothing wrong with my credit report. All my order accounts that were closed. I’m sure they saw that were all paid on time. I have seven accounts on there and five were closed, which were the ones paid on time and the two that are currently there are also paid on time. So now I have a hard inquiry on my credit report there is nothing wrong with my Equifax. I tried reaching out and I spoke with Esmi and all she did was resend me the same email of why I didn’t get approved that was already sent to me. So I just wanted to help everybody else before you apply even though you have a good credit score and good credit report to be very careful when applying.

DO NOT OPEN A FAIRWINDS ACCOUNT!!!! We have learned the hard way. We moved to the area over the summer. Opened a JOINT account with my wife doing the paperwork. Because of that, I CANNOT get statements online, get ANYTHING with my name on it (which I need to apply for a mortgage and other financing) or get ANYWHERE with them. Their solution is to go in person, open a NEW joint account, close the old one. So now my wife has the same issue I have. This is the most stone age bank I've ever seen, and I dont think they even realize it. JUST STAY AWAY