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Celebrating 70 Years of Service

Direct Deposit

The Smart Way To Receive Your Pay

Spend less time managing and more time growing your money. Setting up direct deposit puts your paycheck, retirement check or other recurring income straight to your accounts electronically—on time, every time. 

Plus, with direct deposit at Gulf Winds, you'll be able to do more with your money.

Early Pay Day

Stop waiting to get paid. Access to your money up to two days in advance — automatically.1 

Split Deposits

Automatically drop a fixed amount of your deposit into a savings or investment account. 

Bigger Earnings

Earn 4.0% APY on your High-Yield Checking account balance every month.2

Fast & Secure Access

Electronic transfers provide more security and quicker access to funds than physical check deposits.

Mobile Devices

Manage Your Account Anytime, Anywhere

Check your balance, transfer money, pay bills, deposit checks and more with our secure Digital Banking. Learn More

Download the gulf winds mobile app from the Apple app store opens in a new window Download the gulf winds mobile app from Google Play opens in a new window

Setting Up Direct Deposit

Getting started with direct deposit is an easy and secure process.

Step One

Log in to Digital Banking and select the account you'd like to use for direct deposit.

Step Two

Navigate to the "Forms — Deposits & Withdrawls" tab, then select the "Direct Deposit" button.

Step Three

In the pop-up box, enter the name of your employer or designated depositor. Double check for accurate spelling.

Step Four

Finish by selecting "Save and Print."  Present the completed form to your employer for processing.

Social Security and Other Federal Benefits

The Treasury Department requires all federal benefit payments to be made electronically. If you still receive a paper check for your Social Security or other federal benefit payments, you are out of compliance with the law.

We've provided resources below to make setting up direct deposit for your federal benefits easy.

Social Security Benefits


Visit to get started with direct deposit for Social Security Benefits. Use your Gulf Winds account information.

Visit to get started with direct deposit for other federal agencies such as:

  • Department of Labor
  • Department of Veterans Affairs
  • Office of Personnel Management/Civil Service
  • Retirement Board
  • Defense Finance and Accounting Service


Our team is always here to help move you forward. 
Click here to learn more about direct deposit or contact us today.

Contact Us

1 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

2 In addition to direct deposit, account holders must also have at least 12 debit card purchases and receive monthly statements electronically each month to qualify for 4.0% APY. 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. Refer to High-Yield Checking qualifications for more information.