Schedule of Fees - Business Accounts

At Gulf Winds, we strive to provide our members with transparency on the fees associated with their accounts while keeping them as low as possible.

Schedule of Fees & Charges effective as of August 15, 2020.

Account Research $25.00 per hour
Non-Proprietary ATM Transaction Fees
Cash Withdrawals $1.00 per transaction
Balance Inquiries and Transfers $0.25 per transaction
Business Share Account Closure Fee (waived for Accounts open in excess of 60 days) $10.00 per occurrence
Business Share Draft Account Reconciliation Fee $25.00 per occurrence
Cashier’s Check Fee/Third Party Check Fee $3.00 per item
Check Cashing Fee $2.00 per item
Check Copy Fee $3.00 per copy
Coin Machine Fee - Members 3% of amount
Coin Machine Fee - Non-members 3% of amount
Collection Item Fee $15.00 per item
Collection Item Return Fee $18.00 per item
Debit Card Fedex Fee $25.00
Document Copy Fee $2.00 per copy
Dormant Account Fee (more info) $10.00 per month
Escheat Fee $50.00
Instant Issue Debit Card Fee $10.00
Levy & Garnishment Processing Fee $125.00 per occurrence
Overdraft Privilege Fee $29.50 per item
Returned Item NSF Fee (Non-Sufficient Funds) $30.00 per item
Rejoin Fee (waived for members rejoining after 12 months) $25.00
Reopen Business Share Draft Account Closed by Gulf Winds $25.00 per occurrence
Returned Deposit Fee $10.00 per item
Returned Deposit Fee for Item To & From Same Member $20.00 per item
Returned Item Fee  $30.00 per item
Returned Mail Fee $10.00 per item
Statement Copy Fee $3.00 per copy
Stop Payment Fee $30.00 per item
Temporary Checks 4 checks for $3.00
VISA Debit Card Replacement Fee $5.00 per card
VISA Credit Card Rush Fee $15.00 per card
VISA Foreign Transaction Fee 1% of transaction
Wire Transfer Fees
Outgoing $20.00
Incoming $10.00
Business Checking Fees
Business Checking Maintenance Fee1 $10.00 per month
Transaction Fees1 $0.10 per item, after 75 each month
Check order Charge Varies
Deposit Fees
Cash Deposits2 $0.0025 per $100.00 for each deposit
Coin Deposits3 4.00% of each deposit

1 Waived for approved non-profit organizations with verifiable IRS non-profit status.
2 Waived for deposits that do not exceed $10,000.
3 Waived for deposits that do not exceed $100.


Dormant Account Fee

Dormant accounts will incur a fee of $10 per month until the dormant status is removed. We notify account holders via phone and mail of dormant accounts. Dormant accounts have less than a total of $300 on deposit in share and term share accounts, with no member transactions for 12 consecutive months. Transactions include deposits, withdrawals, or transfers.

If you know your account has been inactive for the past year, please consider visiting one of our 13 convenient branch locations and make a deposit, withdrawal, or transfer to avoid this fee. Please contact our Contact Center at 1.800.650.6328 to further discuss a dormant account or if you have additional questions.