Beginning January 1, 2017, there will be some changes to the CO-OP ATM Network that may affect members who regularly use Walgreens or 7-Eleven ATMs. More Information…

Beware Phone Scam: We have received reports of a phone scam telling members they qualify for 0% interest on their credit card. Please beware of any phone calls or emails you receive requesting your personal information. Never share personal information, and remember Gulf Winds will never contact you asking to verify sensitive. You can help to safeguard your accounts by never allowing another person access to your online banking. If you receive suspicious communication and suspect that it is fraudulent, you may call us at (800) 650-6328.


Better banking for businesses

Business Checking Account

With Gulf Winds, you'll receive personal service and a very economical account.

Features and Benefits

  • Complete Menu of Payment Acceptance Options
  • Free VISA Debit Card
  • Free Online Banking with Bill Pay (Download to Quicken, Microsoft Money and Excel)
  • Free Mobile Banking with Alerts
  • Free e-Statements with Check Images
  • Free 24-Hour Phone Banking
  • Free Overdraft Protection from Business Savings
  • Access to 40+ Surcharge-Free ATMs Locally and over 28,000 Nationwide
  • No Monthly Maintenance Fee if Daily Balance is more than $500, Otherwise $5 Monthly Fee
  • No Transaction Fee for the First 75 Transactions, $.05 Per Transaction Thereafter

Open Your Account Today

Visit one of our convenient branch locations today to open a Gulf Winds Business Account, or call us toll-free at 1.800.650.6328 to request more information.

Business Agreements and Disclosures

This downloadable PDF document contains the rules, terms, and conditions which govern your accounts with Gulf Winds Federal Credit Union. Please read this document carefully. You are urged to keep a copy of this document. Please call us if you have any questions.

  Business Agreements and Disclosures

Member must qualify to open a Business Checking account.

Schedule of Fees

Business Checking Fees

Business Checking Maintenance Fee

$5.00 per month
Transaction Fees $0.05 per item, after 75 each month
Check Order Charge Varies
Deposit Fees - Cash Deposit $.0025 per $100.00 for each deposit
Deposit Fees - Coin Deposits 4.00% of each deposit
Non-Sufficient Funds Fee (NSF) $30.00 per item
Non-Proprietary ATM Transaction Fees*
Cash Withdrawals $0.60 per transaction
Deposits $1.00 per transaction
Balance Inquiries $0.25 per transaction
Transfers $0.25 per transaction

*A non-proprietary ATM is an ATM that does not prominently display the Gulf Winds and/or CO-OP Network name or logo on the ATM. When you use a non-proprietary ATM, you may be charged a fee by the ATM operator or any network used.

See Full Schedule of Fees and Charges »


We’re giving our profits back to you.

Auto Loans as
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Free Checking as
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Credit Cards as
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IRAs as
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Certificates as
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