Updated 10/17/2020 - 1:50 p.m. CDT
We will provide important updates to our members with notifications on this page, mobile and online banking, our Facebook page, and through email, if and when appropriate.
Safety is Our Priority
At Gulf Winds, our top priority is the well-being of our members, our employees and the communities we serve. We are closely monitoring the coronavirus disease (COVID–19) and are doing everything possible to keep our members and employees safe while providing continued access to your accounts and financial services.
Face coverings are required in our Leon County, City of Pensacola, Gulf Breeze and Alabama branches, as mandated by state and local governments. Face coverings are recommended but are not required at our other branch locations. Members will be asked to lower their face covering and look into our security cameras for identification and security purposes. Please refer to CDC guidelines about the use of face coverings.
Gulf Winds will continue to monitor this evolving situation and follow the guidance of the Centers for Disease Control and Prevention (CDC) for best practices.
View Updates on Affected Services and Emergency Assistance Offerings by Expanding the Below:
We understand that the Coronavirus crisis is impacting the finances of many of our members. We have a variety of resources available should you need support.
Loan Deferment — We are prepared to assist you on your Gulf Winds loan payments. To get started please fill out the Deferred Loan Payment Request Form. Please note some restrictions may apply. This deferment is only available to members in good standing.
Mortgage Assistance — Mortgage loan payment assistance is being determined on a case-by-case basis. Please call us to discuss potential options.
Credit Cards — We are providing expedited approvals for new credit cards and credit limit increases and/or other options for your existing Gulf Winds credit card.
Anything+ Personal Loans — Our Anything+ Personal Loan gives you options. Rates are as low as 9.90%† APR for up to 60 months. These loans can be used for anything, funded quickly and allow you 45 days with no payments. Apply online or call us now at 1.800.650.6328.
SBA Paycheck Protection Program Loans — The Paycheck Protection Program resumed accepting applications July 6, 2020, at 8:00 AM CDT in response to the Paycheck Protection Program Extension Act. The new deadline to apply for a Paycheck Protection Program loan is August 8, 2020. We have partnered with Lendio to make applying easy. Learn more or apply online.
Fee-Free ATMs — You have access to our network of 85,000 fee-free ATMs. Find an ATM nearby using our ATM locator.
If you need assistance, we’re here to discuss your options. Please call us at 1.800.650.6328 to talk about your situation and the resources we have available. We’re here to help you through this difficult time.
The IRS has the most up-to-date information regarding the stimulus payments on their Payment Information Center website. They also have useful tools to track your payment status and to update your information to ensure you are receiving the payment.
You will qualify for a payment if you have an adjusted gross income of up to $99,000 as a single tax filer. Recipients of Social Security and railroad retirees are also eligible. Your adjusted gross income can be found on line 8b of the 2019 1040 federal tax return. If you haven’t filed your 2019 taxes, you can use the adjusted gross income on line 7 of the 2018 1040 federal tax return.
Individual filers earning up to $75,000 per year will receive $1,200. Those earning up to $99,000 will receive a reduced check. Married couples that file jointly with no children earning up to $150,000 will receive a total of $2,400, and those earning up to $198,000 will receive a reduced check. You’ll get an additional $500 for every child who qualifies. Use this calculator if you are unsure how much of a stimulus check you will receive.
No. If you’re eligible for the payment, then you will automatically receive a direct deposit or a check or prepaid debit card in the mail from the government.
If you received your 2019 or 2018 tax return via direct deposit, the Internal Revenue Service (IRS) will send your check via direct deposit. If you do not have direct deposit available, then you will receive a paper check or prepaid debit card in the mail. If you receive a prepaid debit card, call 800.240.8100 to activate the card or visit www.eipcard.com for more information.
Please note: Your EIP Card will arrive in a plain envelope from "Money Network Cardholder Services." The Visa name will appear on the front of the card, and the back of the card has the name of the issuing bank, MetaBank, N.A. The information included with the card will explain that the card holds your Economic Impact Payment.
The IRS will started depositing the first round of checks around April 15, 2020. Those who have not filed their 2018 or 2019 tax returns with direct deposit will be mailed a paper check or prepaid debit card starting April 24, 2020. Some paper checks and debit cards may not arrive until later in the year. We suggest using the IRS' Get My Payment tool to track the status of your payment. We currently do not have any further information on when stimulus checks will arrive.
The U.S. Treasury created an online portal where you can provide your banking information directly to the IRS. This way, you can receive your payment via direct deposit immediately, as opposed to waiting on a check or debit card in the mail.
No. Social Security recipients and railroad retirees are not required to file a tax return, and they will receive their payment directly to their bank account or by mail.
Members can use their smartphones or tablets to easily and securely deposit paper checks. Watch our quick video for a tutorial on using mobile check deposit. Members may also use our branch drive-thrus during regular business hours.
Our Contact Center can be reached at 800.650.6328, Monday - Friday, 7:00 am - 6:00 pm CT and Saturday, 8:00 am - 1:00 pm CT.
With digital tools from Gulf Winds, you can check your balance, see account activity, transfer funds, deposit checks, pay bills and much more.
Online Banking: You can access your accounts online via Online Banking. If you haven’t enrolled in online banking, it only takes a few minutes.
Mobile Banking: Members are encouraged to download the Gulf Winds app in the App Store or Google Play. These tools provide 24/7 access to your accounts and give you the ability to bank without a trip to the branch.
Mobile Check Deposit: Use your smartphone or tablet to easily and securely deposit checks. Watch our quick video to learn more.
ATMs: Members have access to our network of 85,000 fee-free ATMs. Find an ATM nearby using our ATM locator.
Loan and Account Applications: You can still open an account or apply for a loan online. Call 800.650.6328 and we’d be happy to help you with your loan and account needs.
With the current economic uncertainty, you can rest assured that your funds at Gulf Winds are federally insured by the National Credit Union Administration up to $250,000 per member. Individual Retirement Accounts (IRAs) are federally insured up to an additional $250,000. Learn more about NCUA insurance.
As our branch lobbies open, we will be taking the following measures to protect the health and safety of our members and team members:
Social distancing — We ask that you maintain a social distance of 6 feet between yourself and our other members and team members. Please limit the number of people you bring into the branch with you and only bring the individuals necessary to complete your transaction.
COVID-19 symptoms — If you're experiencing symptoms of COVID-19, please do not come inside the branch. We will work with you through other channels to provide the service you need.
Face coverings — Face coverings are required in our branches located in Alabama, the City of Pensacola, Gulf Breeze, and Leon County as mandated by state and local governments. Face coverings are recommended but are not required at our other branch locations. Members will be asked to lower their face covering and look into our security cameras for identification and security purposes. Please refer to CDC guidelines about the use of face coverings.
Limited entrances — A limited number of entrances will be open to our branches. Please follow the signs on the entrance doors.
Increased sanitation — Hand sanitizer will be readily available at each branch, and daily cleaning will be conducted by our team members. Please note that coffee stations will not be available.
Scammers are taking advantage of people’s fears surrounding Coronavirus. They are setting up websites selling bogus products, offering medical advice to take personal information, and creating fake charities to steal donations. Here are some tips to avoid the most common Coronavirus scams. Gulf Winds also recommends signing up for consumer alerts from the FTC.
With digital tools from Gulf Winds, you can monitor your balance, see account activity, transfer funds, deposit checks, pay bills and much more. Visit GoGulfWinds.com/OnlineBanking to learn more and get started.
Gulf Winds is committed to providing the support you may need today and in the months ahead. We are offering a variety of resources to help meet this challenge. We are offering a variety of resources to help meet this challenge. Visit GoGulfWinds.com/Help for details.
Mortgage loan payment assistance is being determined on a case-by-case basis. We are offering a variety of resources to help meet this challenge. Visit GoGulfWinds.com/Help for details.
At this time, we have lowered our rate on personal loans and are providing expedited approvals for new credit cards, offering credit limit increases and payment assistance for your existing Gulf Winds credit card. Visit GoGulfWinds.com/Help for details.
Yes. With the current economic uncertainty, you can rest assured that your funds at Gulf Winds are federally insured by the National Credit Union Administration up to $250,000 per member. Individual Retirement Accounts (IRAs) are federally insured up to an additional $250,000. Learn more about NCUA insurance »
You have access to our network of 85,000 fee-free ATMs. Find an ATM nearby using our ATM locator.
Branch lobbies are now open. Members can request an appointment to access their safe deposit box in a more convenient manner.
Yes. Notary services are available in our lobby and the first lane of our drive-thru. You can also request an appointment to conviently receive this service.
As we deal with historic market conditions and modified business arrangements, our Raymond James team is working to be a strong, reliable partner through the current volatility and beyond. Our experienced team of financial advisors is available to provide sound investment advice and answer your questions about how current market conditions could impact you. To request a consultation, please contact us at 1.850.479.7191 or visit GoGulfwinds.com/raymondjames.
Gulf Winds isn't offering this program directly, but we have partnered with Lendio to help members apply. Visit lendio.com/ppp/gulf-winds-credit-union.
Guided by the credit union philosophy People Helping People, Gulf Winds donated $100,000 through the Gulf Winds Cares program to combat the spread of COVID-19 and mitigate its effects on our community.
Gulf Winds donated $65,000 to Ascension Sacred Heart Hospital in Pensacola to purchase personal protective equipment (PPE) for its staff. This donation is equivalent to the cost of one month’s worth of supplies, under normal circumstances. Hospitals in our Alabama service area received $8,000 to purchase PPE.
The remaining $27,000 went to first responders across our service area. They were provided protective equipment including hazmat suits, N95 masks, cotton masks, gloves, cleaning products and over 100 gallons of hand sanitizer. The Wakulla County Sheriff’s Office Community Fund received $5,000 to provide meals to seniors in need.
Thank You for Being a Valued Member
Thank you for your patience during this disruption to our normal level of service. We will provide additional updates as they are available and will resume lobby services as soon as we can.