Whether it's a flat tire or an unexpected bill, our Overdraft Protection gives you peace of mind. By automatically transferring any necessary funds from a designated source to your checking account, our free service means you don't have to worry about fees or if you have enough money to cover a purchase. There is no charge, no transfer fee, and no non-sufficient funds (NSF) fee for use of this service when activated on your account.

Gulf Winds discretionary Overdraft Privilege is a financial resource that can cover an overdraft should you make a mistake with your account. Rather than returning a payment that normally would not clear your account because funds are not available to cover it, we cover the item. While there is a $29.50 fee per item, this resource may protect you from merchant returned check charges or other fees. 

^{Only avaliable for Gulf Winds High-Yield and MyFree Checking Products. Subject to approval.}