The National Credit Union Association (NCUA) has received reports of a phishing scam claiming to offer services on behalf of the NCUA. Please beware of any phone calls or emails you receive requesting your personal information. If you receive such communication and suspect that it is fraudulent, you can call NCUA’s fraud hotline at 1-800-827-9650.

Gulf Winds Federal Credit Union

Contact Us


Phone Banking and General Inquiries:

Pensacola Area: 850.479.9601    Tallahassee Area: 850.562.6702

Toll Free: 800.650.6328


Lost or Stolen ATM or VISA Debit Card:

Pensacola Area: 850.479.9601    Tallahassee Area: 850.562.6702

Toll Free: 800.650.6328

After Hours, Weekends and Holidays: 800.472.3272

Lost or Stolen Credit Card:

Toll Free: 800.449.7728    More Contact Info

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Member Services

Gulf Winds is a full-service financial institution offering a wide range of accounts and services for our members. 

Convenience Services

ATM Network

There are no fees for members who use their Gulf Winds cards in CO-OP Network ATMs. With over 90 free local ATMs, and more than 30,000 free nationwide ATMs, there is bound to be one close to you. View ATM Locations »

Mobile Banking

With Mobile Banking at Gulf Winds, you can manage your money and access your accounts anywhere you go. The Gulf Winds mobile app is available for all major smartphone platforms. Learn More »

Online Banking

Our FREE Online Banking service provides secure online access to your accounts wherever you have or use a personal computer. No software is needed, just a computer with internet access. Check your balances, transfer funds, make loan payments, review account history, and download account information - all on Online Banking. Learn More »

My Finances (Personal Finance Manager)

Gulf Winds My Finances is a personal financial management (PFM) tool now available within Online Banking. My Finances provides an easy way to set budgetary goals and keep track of spending in your Gulf Winds accounts. Learn More »

Online Bill Pay

FREE Online Bill Pay from Gulf Winds makes paying your bills quick and easy. Each payment is automatically debited from your Gulf Winds checking account and itemized on your monthly statement. Just point, click and your bills will be paid on time, every time. Learn More »

e-Statements with Check Images

We offer FREE and instant access to your Gulf Winds statements online. No more waiting for the mail. This service also allows you to view and print your canceled check images. Learn More »

Phone Banking

850.479.9601 (Local) or 800.650.6328 (Toll-free)
Our Phone Banking service is available 24 hours a day, 7 days a week. To use Phone Banking, all you need is a touch-tone phone, your account number and a 6-digit PIN number. If you need a PIN number, please call our Contact Center at (850) 479-9601. It is an easy way to check your account balances, find out whether checks have cleared, transfer funds from one account to another, and much more.
PDF Download our Phone Banking Guide.

Check Ordering

For your convenience, Gulf Winds offers several methods of ordering your checks. You can reorder checks any time you need to through Online Banking. With just a few clicks, you can reorder the same checks you have always used with us, or you can choose from dozens of different styles. You may also call toll free 877.838.5287 and place your order, drop your check reorder form off at any of our branches, or mail the form to our Corporate Office.

Overdraft Protection

Overdraft protection gives you peace of mind by automatically transferring from other accounts you designate to cover your items presented for payment to your checking account. There is no charge to you for this valuable service, no transfer fee or non-sufficient funds (NSF) fee.

Overdraft Privilege

Gulf Winds offers discretionary Overdraft Privilege, a financial resource that can cover your overdraft checks, should you make a mistake with your account. This privilege may protect you from merchant returned check charges. Gulf Winds Overdraft Privilege Policy A fee will be incurred for use of this service.

Direct Deposit

Avoid lines on payday with Direct Deposit. Direct Deposit is one of the most convenient services Gulf Winds offers. Most regularly occurring government and payroll checks can be deposited into your account automatically with Direct Deposit. Direct Deposit is fast, safe, and, best of all, FREE.

Annual Credit Report

Get your free annual credit report at

Other 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.

Safe Deposit Boxes

Keep your valuable papers and items safe at Gulf Winds. Gulf Winds offers safe deposit boxes at the following branches: Corporate, Creighton, Blue Angel, Milton, Atmore and Brewton. Please call our Contact Center at 850.479.9601 for availability.

Money Orders

Money orders are available for when personal checks can not be used.

Savings Bonds

We redeem savings bonds at all Gulf Winds branches. To find the value of your savings bonds and other information, go to

Visa Cash Advances

Stop by one of our branches and we will be happy to help you with your Visa cash advance. You can also receive a cash advance up to $500 from ATMs that display the Visa logo.

Notary Service

Legal documents can be notarized at any Gulf Winds branch.

Discount Tickets To Area Attractions

Gulf Winds offers discount tickets to select local theaters.