FREE Checking

Unfee Yourself

With Checking That Pays

Open an Account

Ditch the Fees with Free Checking from Gulf Winds!*

Unfee yourself with no monthly service fees, no minimum balance, a free debit card, and over 30,000 nationwide fee-free ATMs.1

Plus our High-Yield Checking pays you cash back on your everyday balance!

High-Yield Checking

Earn 2.00% APY2 if you:

Use your debit card at least 12 times per month

 Want electronic monthly statements

Receive a monthly direct deposit

High-Yield Checking is for you.

Open an Account     800.650.6328

MyFree Checking

Choose MyFree Checking if you:

Use your debit card a few times per month

 Prefer paper statements

No direct deposit

MyFree Checking is for you.

Open an Account   800.650.6328

*A Primary Share Savings Account with a $5 deposit is required to establish membership at Gulf Winds. 1ATM fee refunds up to $15 per cycle when qualifications are met. 2Annual Percentage Yield (APY) accurate as of 10/01/19. Rate tiers are as follows: 2.00% APY applies to balances of $.01 - $10,000 and 0.10% APY applies to balances over $10,000 as long as qualifications are met each statement cycle. 0.05% APY applies to all balances if qualifications are not met. Rates may change after the account is opened. Fees may reduce earnings. No minimum balance required. No monthly service charge. Available to personal accounts only. Account opening subject to approval.

Our Fee-FREE Accounts Come With
All the Online Tools You Need

  • Mobile Banking

    Stay on top of your finances anytime, anywhere from your mobile device.

  • Online Banking

    Check your balance, deposit checks, pay bills, and transfer money all from the comfort of home.

  • Mobile Check Deposit

    Deposit checks without a trip to the bank.

  • Bill Pay

    Our free bill pay puts convience at your fingertips.

  • Free ATMs

    Tons of FREE nearly 30,000 nationwide through the CO-OP network.

Open an Account

Compare Our High-Yield Checking to the Competitors3




Service Fee

Gulf Winds Credit Union

2.00% APY




0.01% APY



Navy Federal Credit Union

0.05% APY



Bank Of America

0.01% APY



Capital City Bank4

0.01% APY



3Regions, Navy Federal Credit Union and Bank of America, their names, trademarks and service marks are property of their respective owner. Rates as of 10/01/19. 4Minimum balance is required when less than 20 debit card transactions occur per month.

High-Yield Checking Dividend Rates
Rates as of 10/01/2019 Dividend Rate APY Compound Frequency
Qualifications Met
Balances 0 - $10,000
1.982% 2.00% 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.

Don’t meet the qualifications for High-Yield?

You can still Unfee yourself!

MyFree Checking could be for you – convenient, secure, and perfect for your daily banking needs.

Open an Account  800.650.6328

Not a Member? Not a Problem!

You can still take advantage of our great deals, low rates, free checking and mobile banking. Full details on Gulf Winds membership.

Map of Gulf Winds Counties and Branches

Membership is open to anyone who lives, works, worships, or attends school in the following counties:

Escambia, Santa Rosa, Okaloosa, Walton, Holmes, Washington, Bay, Jackson, Calhoun, Gulf, Gadsden, Liberty, Franklin, Leon, Wakulla, Jefferson, Madison, Taylor, Hamilton, Suwannee, Lafayette, Dixie, Columbia and Gilchrist Counties

Escambia, Baldwin, Mobile, Washington, Clarke, Monroe, Conecuh, Covington, Butler, Crenshaw, Coffee, Geneva, Dale, Houston and Henry Counties

Brooks, Colquitt, Decatur, Echols, Grady, Lowndes, Seminole, and Thomas Counties

Plus businesses and other legal entities located in these counties, and anyone who is an immediate family member of a current member.