FAIRWINDS Credit Union
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Deceptive Fees
I thought I had done my research on credit unions and banks and opened a checking account here in anticipation of moving to Orlando. When I did move, I kept my account with Fairwinds even though there was not a branch near my home because I like the CU - thinking that a credit union wouldn't have these "unexplained fees" that big banks charge. I was completely wrong about Fairwinds! Sometime recently, they've updated how they handle "pending" charges - without notification - resulting in unexplained fees that are the result of moving money around like modern life requires. These "fees" are actually punitive and theoretical because no no overdraft occurs, your ledger doesn't go negative, but according to Fairwinds, you "MIGHT" have over-drafted "IF" the pending charges went through. That's a big "IF" for charges that are pending but not scheduled to clear for a day or 2, even 3. The Customer Service even told me it's confusing. Whatever changed, they are trying to hide it - but they've lost my family as a customer for ever. Horrible and deceptive. Ruins the idea of credit unions for me. I'm opening a Truist account - my wife has a Truist checking and has ZERO problems like this.