High-Yield Checking
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.
| 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.