The everyday Spending Account packed with benefits

We’ve taken the traditional checking account and given it a huge upgrade.
Join today
Manage your account via computer or smartphone
Get paid early to your Spending Account6
Kids debit cards2
Debit card
Fair-to-Fair account money transfers3
Access to 55,000+ Allpoint ATMs across the U.S.5
No hidden fees, ever.4

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Say goodbye to overdraft fees

Lacking funds in your account shouldn't cost you. Fair members will never see overdraft fees. Additionally, the Fair Spending Account that comes with your membership is designed to prevent you from overspending, wherever possible.

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Fair banking services are provided by Coastal Community Bank, Member FDIC. The Fair MasterCard® Debit Card is issued by Coastal Community Bank pursuant to a license by Mastercard International, Incorporated. The Fair MasterCard® Debit Card may be used everywhere Debit Mastercard® is accepted. Fair accounts are FDIC-insured up to $250,000 per depositor through Coastal Community Bank, Member FDIC. Coverage limit is subject to aggregation of all of Customer’s funds held on deposit at Coastal Bank. MasterCard® is a registered trademark of MasterCard International, Incorporated. The MasterCard® circles design is a trademark of Mastercard International Incorporated. All other trademarks and logos are the registered property of their respective owners. All rights reserved.

IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account. 

WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice.
  1. a. Investment services will be provided by FAIR Invest, LLC. (“Fair Invest”) for the Wealth Building Accounts. Fair Invest is registered as an investment adviser with the Securities and Exchange Commission. Registration does not imply a certain level of skill or training. For more information regarding Fair Invest, please see informational documents filed with regulators by visiting www.investwithfair.com.

    b. INVESTMENT OPPORTUNITIES INVOLVE INHERENT RISKS. Returns on Wealth Building Accounts are subject to risk like any investment. The 4% dividend return is effective as of March 1, 2022. This rate is subject to the discretion of FAIR Invest, LLC and may be changed at any time. No minimum account balance required. The stated percentage does not guarantee any dividends from the investment. Nothing on this site is representative or an indication of future performance.

    c. WEALTH BUILDING ACCOUNTS ARE NOT FDIC INSURED. Although Fair will not transfer losses on the pooled investment account to customer accounts these accounts are NOT FDIC INSURED and are subject to possible loss.

    d. CONFLICTS OF INTEREST. Clients must be a member of Fair Fintech, Inc. (“Fair”) in order to become a client of Fair Invest. From time to time, representatives of Fair Invest may buy or sell investments for themselves that they also recommend to clients at or around the same time as client, and such transaction will be documented. Representatives of Fair Invest will never engage in trading that operates to the client’s disadvantage in such situations. Fair Invest serves all Wealth Building Accounts and will act in its clients’ best interest consistent with its fiduciary duty as sponsor and portfolio manager. Clients should be aware that Fair Invest has an incentive to limit trading activities for Wealth Building Accounts since Fair Invest absorbs all transaction costs. To address these potential conflicts of interest, Fair Invest will always act in the best interest of its clients consistent with its fiduciary duty as an investment adviser.
  2. Fair and its affiliates do not market to children under 13 years of age in compliance with the Federal Trade Commission’s Child Online Privacy Protection Act (“COPPA”). Parents will be able to add children aged 13 and over as an authorized user to their existing account and obtain a debit card. Each child aged 13 and over is added as an authorized user to the parent’s account. Fair will collect information on each authorized user as required by the USA PATRIOT Act to verify the identity of each authorized user.
  3. Fair does not charge any fees in connection with Account-to-Account International Money Transfers. MasterCard and other third-party fees may apply, however. If Customer wants to use Account to Cash Out options through our partners, fees will apply. Please refer to the Fair Terms and Conditions at bankwithfair.com for a complete list of fees, restrictions, and terms and conditions related to this service.  Fair Invest does not charge any advisory fees in connection with its management of the Wealth Management Accounts, nor do the Wealth Management Accounts incur any transactions costs or fees.
  4. Please refer to the Fair Terms and Conditions for a complete list of all fees, eligibility requirements, and your rights and responsibilities associated with Fair banking services and your Fair MasterCard® Debit Card. Click here for a copy of the Fair Program Privacy Policy and here for the Coastal Community Bank Privacy Policy.
  5. The ATM owner/operator may charge an additional ATM Surcharge Fee not included in this amount. We do not control or set this fee. The ATM owner/operator is generally required to disclose the ATM Surcharge Fee to you prior to making a cash withdrawal. They may also impose lower limits on cash withdrawals.
  6. Early Paycheck may post up to 2 days earlier than the scheduled payment date. Early direct deposit of a paycheck depends on factors such as timing of the payer's deposit transmission, and the type of payer transmitting the deposit.
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