FAIR Checking Basic Terms and Conditions

Account Opening and Usage

Minimum Amount to Open the Account

You must deposit $25 to open the account.

Monthly Maintenance Fee


Monthly Paper Statement Fee


Statement Fee Waivers

The $1.50 paper statement fee will be waived if you sign up for eStatements. The fee waiver begins the first full month you have eStatements.

Returned Deposited Item Fee

$4.00 per item

Account Closure Fee

$15.00 if account is closed for any reason within 180 days of account opening.

Overdraft – Paid Item Fee


Nonsufficient Funds (NSF) Returned Item Fee


Continuous Overdraft Fee


Stop Payment Fee

We charge $25.00 for each stop payment.

If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here’ s how:

Call or write us at the telephone number or address listed in this disclosure, in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.

Online Banking and Electronic Statement (eStatement) Enrollment

Please visit sunrisebanks.com Off Site Link to enroll in online banking and eStatements. For enrollment questions please contact (651) 265-5600.

Account Limitations

This account is not to be used for commercial purposes.

Please consult our service fee schedule for a detailed listing of all bank fees that could be charged in connection with this account.

  1. The Service Charge of $3.00 each month will be reimbursed by Prepare + Prosper through December 15, 2023. The reimbursement will appear as a statement credit.