We listened to what would work for you, and we built it. 

We listened to 150 community members talk about what they wanted in their accounts—predictable fees, no overdraft, control over your money, a way to build your credit—and used what they said. FAIR accounts are built with the consumer at the core, no matter income size, how often or when you get paid, or your banking history.5 Spend less time worrying and more time focusing on your future.

Our accounts can help you get to where you’re going.

Checking

Get more control over your money by monitoring your spending with online and mobile banking. Set up alerts3 to track what’s coming in and going out.

Savings

Save with the flexibility and ease. You can set up an auto-transfer from FAIR Checking to your savings to build a cushion. With no monthly minimum balance requirement, you can use the funds as you need them.

Credit Builder

Set yourself up for success in the future by working toward a strong credit score. Treat yourself like a bill with the FAIR Credit Builder. On-time, monthly payments demonstrates positive payment history to the credit bureaus, which can help you build your credit.

Checking

With no account overdraft and no monthly minimum balance requirement, experience less fees and keep more of your money. FAIR Checking, take the money you used to spend on fees and save for your future.

Savings

Save for emergencies or a goal, at your own pace. No monthly minimum balance requirement gives you the freedom to save a little or a lot, and to draw down when times are tight. You can set up auto-transfer from your checking to make saving a habit.

Credit Builder

Work on saving while you work on improving your credit. It’s almost like a savings plan that builds credit. It’s a loan that’s deposited and held in a CD. After making on-time, monthly payments for 18 months, you’ve established positive payment credit history and you receive $500 plus CD interest minus fees.1,4

Checking

Know how much and where your money is going. Use online and mobile banking to manage your account. Spend more time working toward your goals and less time managing the day-to-day.

Saving

Save for the long haul. Setting some aside, even a small amount, adds up over time. $2.75 a day turns into a little over $1,000 after just one year.

Credit Builder

Strong credit for a strong future. Good credit scores can unlock possibilities—the better your credit score the more likely you’ll be to get a lower interest rate on car loans or mortgages, or lower insurance rates.

Clear and simple accounts.

Checking

No account overdraft fees … ever.

A FAIR Checking account can give you more control over your money. No account overdraft fees and no monthly minimum balance requirement.

Monthly maintenance fee1

$3.00

 


No overdraft fees

$0.00

 


Required monthly minimum balance

$0.00

 


Minimum amount to open the account

$25.00

 

Savings

No balance too small.

Between paying bills and stretching your paycheck it can be challenging to make ends meet, much less put extra money away. Start small with FAIR Savings.

Monthly maintenance fee1

$0.00

 


Required monthly minimum balance

$0.00

 


Minimum amount to open the account

$25.00

Credit Builder

Stronger credit shouldn’t be a struggle.

Work to build your credit while building your savings at the same time. There is no credit score requirement.2

 

Loan amount locked into CD

$500.00


Monthly payment (for 18 months)

$30.00

 


APR on loan4

15%

 


We’re what you expect from a bank…

Secure online and mobile banking.

View your accounts, transfer money, deposit checks, view statements, and set up alerts3–in one convenient place.

Get support – any time.

Get 24-7 automated service through Telebank or live customer support Monday through Friday 9-5 p.m. and Saturday 9 a.m.-noon.

FDIC insured.

All FAIR accounts are offered in partnership with Sunrise Banks, N.A., Member FDIC. Deposit products insured by the FDIC up to $250,000 per depositor.

But we’re meeting you where you’re at.

Branchless banking.

Bank anywhere, anytime with FAIR. Our online and mobile banking lets you view your accounts and statements and transfer money from your mobile device or computer. You can deposit funds from approved checks via Mobile Deposit. With your FAIR Debit Mastercard®  you can complete surcharge free ATM withdrawals at any of the eight Sunrise Banks ATMs or obtain cash back while making point of sale purchases.

Coaching for your accounts and your goals.

When you enroll, we’ll walk you through each account. We’ll make sure you understand how they work and how they can support you in reaching your goals. Sign up for alerts3 and tips that’ll help keep you on track and making progress.

Did we miss anything?

Check out our FAQ for other answers you might be looking for.

Experience a banking solution built just for you.

Sign up for FAIR today – click “Get FAIR now” to schedule a virtual enrollment or check out our Events page to find a pop-up enrollment event near you!

Get FAIR nowEvents