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Join Fair

How Fair members Break the Bank. Together.

Fair will put the power in your hands so you can take care of what matters most.

What’s the catch?

There isn’t one. Similar to how retailers offer memberships to access wholesale prices, Fair applies the same concept to banking and finance, so you can keep more of your money.5

Family over fees

Let’s find a better way to bank and finance. Together. When you become a Fair member, you have access to an ethical bank and finance partner who puts people over profit, integrity over interest rates, and your family over fees.

Join our Founders Circle to access:

  • No-fee banking
  • Debit cards
  • Access to 55,000+ ATMs with no fees
  • Spending accounts
  • Send money to other Fair members
  • Bill payments
  • International money transfers with no fees5
  • Life, accidental medical, and AD&D insurance at no additional cost

What's coming next*:

Banking

Credit cards

Up to 2-day early access to direct deposit funds

High-yield dividend savings accounts that pay up to 2% annually4

Debit cards for kids with no fees2

Small Business

Business dividend account

Advising and accounting platform

Buy Now Pay Later interest-free microloans for vendors

Business credit and debit cards

Investments1

Socially responsible investing (SRI) and environmental, social, and corporate governance (ESG) investing measures

Investment advising

Retirement Planning1

Pension programs

Trust & estate planning

Lending1

Interest-free, equity-based loans

Buy Now Pay Later interest-free microloans

Let's take control of your finances. Together.

How does the cost of a Fair membership break down in dollars and cents? For a limited time, become part of our Founders Circle to unlock the lifetime benefits of Fair for $79. That means your membership pays for itself after six wire transfers, after three overdrafts, or after just seven months of regular checking and savings account upkeep. After the Founders Circle closes, Fair membership will cost $9.99 per month or $99 annually.5
Bank with Fair
Typical Bank Fees
Spending or checking account fees
$0
$7.50/month avg
Savings
$0
$5/month avg
Paper Statement Fees
$0
$1/month avg
Overdraft Fees
$0
$35+ per transaction
Wire Transfer Fees
$0
$15+ per overdraft
ATM Fees
$0
$3+ per transaction

Other fees banks may charge include fees for exceeding a maximum number of withdrawals, inactivity fees, stop payment fees… the list goes on and on.

Spending or checking account fees
$0
Typical Bank Fees
$7.50/month avg
Savings
$0
Typical Bank FeeS
$5/month avg
Paper Statement Fees
$0
Typical Bank Fees
$1/month avg
Overdraft Fees
$0
Typical Bank Fees
$35+ per transaction
Wire Transfer Fees
$0
Typical Bank Fees
$15+ per overdraft
ATM Fees
$0
Typical Bank Fees
$3+ per transaction

Other fees banks may charge include fees for exceeding a maximum number of withdrawals, inactivity fees, stop payment fees… the list goes on and on.

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. Fair is a limited agent of Coastal Community Bank. 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. Investment and retirement services will be provided by FAIR Invest, LLC. Lending Services will be provided by FAIR Lending, LLC.
  2. Fair does 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 for a complete list of fees, restrictions, and terms and conditions related to this service.
  4. You will be required to maintain a minimum average monthly balance of $500 in the Dividend Savings Account in order to earn any dividends.
  5. 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.
  6. All donations to refugee missions are screened very carefully and are pre-approved by Coastal Community Bank to ensure compliance with the USA PATRIOT Act and international global sanctions programs.

*This service will be available to members in future releases of Fair.

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