Schedule of Fees - Personal Accounts

At Gulf Winds, we strive to provide our members with transparency on the fees associated with their accounts while keeping them as low as possible.

Schedule of Fees & Charges effective as of August 2, 2021.

Account Research Fee $25.00 per hour
Non-Proprietary ATM Transaction Fees
Cash Withdrawals $1.00 per transaction
Balance Inquiries and Transfers $0.25 per transaction
Cashier’s Check Fee/Third Party Check Withdrawal Fee $3.00 per item
Check Cashing Fee (Waived based on CU relationship) $2.00 per item
Check Copy Fee $3.00 per copy
Check Printing Fee Varies
Coin Machine Fee - Members 3% of amount
Coin Machine Fee - Non-members 3% of amount
Collection Item Fee $15.00 per item
Debit Card Fedex Fee $25.00
Collection Item Return Fee $18.00 per item
Document Copy Fee $2.00 per copy
Dormant Account Fee (more info) $10.00 per month
Escheat Fee $50.00
Instant Issue Debit Card Fee $10.00
Levy & Garnishment Processing Fee $125.00 per occurrence
MyOpportunity Checking Share Draft $10.95 per month
Overdraft Privilege Fee $29.50 per item
Returned Item NSF Fee (Non-Sufficient Funds) $30.00 per item
Primary Share Account Closure Fee (waived for Accounts open in excess of 60 days) $10.00 per occurrence
Checking Account Reconciliation Fee (applies to 2nd & subsequent requests) $25.00 per occurrence
Rejoin Fee (waived for members rejoining after 12 months) $25.00
Reopen Share Draft Account Closed by Gulf Winds $25.00 per occurrence
Returned Deposit Fee $10.00 per item
Returned Deposit Fee for Item To & From Same Member $20.00 per item
Returned Item Fee $30.00 per item
Returned Mail Fee $10.00 per item
Safe Deposit Box Fees
Rental - 3x5 $20.00 per year
Rental - 3x10 $40.00 per year
Rental - 5x5 $30.00 per year
Rental - 5x10 $60.00 per year
Rental - 10x10 $80.00 per year
Forced Entry Actual Cost
Statement Copy Fee $3.00 per copy
Bill Payment Stop Payment Fee $15.00 per item
Stop Payment Fee $30.00 per item

Temporary Checks

4 checks for $3.00

VISA Debit Card Replacement Fee

$5.00 per card

VISA Credit Card Rush Fee

$15.00 per card
VISA Foreign Transaction Fee 1% of transaction
Wire Transfer Fees
Outgoing $20.00
Incoming $10.00



Dormant Account Fee

Dormant accounts will incur a fee of $10 per month until the dormant status is removed. We notify account holders via phone and mail of dormant accounts. Dormant accounts have less than a total of $300 on deposit in share and term share accounts, with no member transactions for 12 consecutive months. Transactions include deposits, withdrawals, or transfers.

If you know your account has been inactive for the past year, please consider visiting one of our 13 convenient branch locations and make a deposit, withdrawal, or transfer to avoid this fee. Please contact our Contact Center at 1.800.650.6328 to further discuss a dormant account or if you have additional questions.