STAY ALERT: Gulf Winds will NEVER contact you directly and ask for usernames, passwords or verification codes. If you have concerns about a call’s legitimacy, hang up IMMEDIATELY and call us back at 850-479-9601. Learn more.

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Celebrating 70 Years of Service

Member Services

Services That Fit Your Life

Get the most from your membership. Take advantage of services and tools to keep your finances on track.

Digital Services

Manage your accounts at the speed of life.

Sign up for Digital Banking
Anytime, anywhere, any device. Best of all—it's free.

Pay Your Bills With Ease
Make a payment, send a payment—we've got you covered.

Deposit Checks With a Tap and a Snap
Easily and securely deposit checks—no branch or ATM required.

Branch Services

Utilize our in-branch, special services.

Safe Deposit Boxes
Keep your valuables safe. We offer safe deposit boxes at 9 Mile, Blue Angel, Creighton, Milton, Atmore and Brewton Branches.

Savings Bonds
Redeem your savings bonds at any Gulf Winds branch. To find the value of your savings bonds and other information, visit

Notary Service
Get legal documents notarized at any Gulf Winds branch. 

Coin Machines and Night Deposit
Cash in coins at our 9 Mile, Blue Angel, Milton, Monroe, Atmore and Brewton Branches. Use night deposit at any branch except Garden (Downtown) and Monroe.

Convenience Services

We have banking services to help fit your needs.


ATM Network

With over 90 free local ATMs and 85,000 fee-free nationwide ATMs, there is bound to be one close to you.

Find an ATM


Digital Banking

Manage your accounts anytime, anywhere and on any device. Download the mobile app today.

Learn More


Phone Banking

Our Phone Banking service is available 24 hours a day, 7 days a week. It's simple, convenient and fast.

Learn More

Account Services

Check Ordering

Reorder checks any time through Digital Banking.
Reorder the same style or choose from dozens of different options.

Log into Digital Banking »

More Ways to Reorder
Call our check vendor toll-free at 877.838.5287, drop your check reorder form off at any of our branches, or mail the form to us.

Avoid lines on payday with direct deposit.
Most paychecks and government benefits can be deposited into your account automatically on time, every time. It's free to use, convenient, easy to set up, and funds are available on the very same day you get paid!

Learn More »

Whether it's a flat tire or an unexpected bill, our Overdraft Protection gives you peace of mind. 
Automatically transfer any necessary funds from a designated source to your checking account if you don't 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.

Our discretionary Overdraft Privilege is a financial resource that can cover an overdraft should you make a mistake with your account.
This may protect you from merchant-returned check charges or other fees. While there is a $29.50 fee per item, this resource may protect you from merchant-returned check charges or other fees.

A fee will be incurred for use of this service. Only available for Gulf Winds High-Yield and MyFree Checking Products. Subject to approval.

We understand that losing a loved one can be very overwhelming.
We can help ensure that your loved one’s financial accounts are one less thing to worry about. We’re here to help in any way we can during this difficult time for you and your family.

Learn More »

Special Services


Member Prepaid Legal Plan

Gulf Winds partners with the law firm of Staples, Ellis + Associates, P.A. to offer members a Prepaid Legal Service Plan.

Learn More


Discount Movie Theater Tickets

Discount movie tickets are available at select branches. They never expire and can be used anytime at any AMC or Ridge Theater.

Find a Branch

Ready to join Gulf Winds?

Whether it’s a car loan, home ownership, saving for college, planning your retirement or digital banking that moves at the speed of life—we’ve got you covered.