High-Yield Checking

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Earn 1.75% APY

Earning 1.75% APY is simple with a Gulf Winds High-Yield Checking Accounts. First, open or switch your current checking account to Gulf Winds' High-Yield Checking. Then, all you need to do is complete three easy and free qualifications each month.

  • Have at least 12 debit card purchases post and clear
  • Have at least one (1) direct deposit or automatic payment post and clear
  • Receive your monthly statements electronically

Features & Benefits

  • Pays Premium Monthly Dividends
  • No Minimum Balance
  • No Monthly Service Fee
  • Nationwide ATM Fee Refunds1
  • Black VISA Debit Card (No usage fees)
  • Free Online Banking with Bill Pay
  • Free eStatements with Check Images
  • Free 24-Hour Phone Banking
  • Access to 90+ surcharge-free ATMs locally
  • Free Overdraft Protection
  • Overdraft Privilege Protection2

Account opening subject to approval. 1) ATM fee refunds up to $15 per cycle when qualifications are met. Only applicable with HY Checking Share accounts, not Primary Share or Primary Savings accounts. 2) Subject to account qualification after 30 days. A fee will be incurred for use of this service.


Open your account today! Find a Branch or Apply Online.
For more information, call us at 800.650.6328.

High-Yield Checking Dividend Rates
Rates as of 01/01/2021 Dividend Rate APY Compound Frequency
Qualifications Met
Balances 0 - $10,000
1.74% 1.75% Monthly
Qualifications Met
Balances Above $10,000
0.10% 0.10% Monthly
Qualifications Not Met
All Balances
0.05% 0.05% Monthly

This rate sheet is incorporated into the Account Agreements and Disclosures.
The rate and Annual Percentage Yield (APY) stated for Share Draft Checking Accounts is declared by the Board of Directors and is subject to change at any time. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions.