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Personal Checking Account Options

Explore checking account options that save you time, money and worry.

No matter where you are in life, we have an account that fits your needs.

To open any Gulf Winds Personal Checking Account you must first open a Primary Share Savings Account with a $5 deposit. 

High-Yield Checking

Earn interest on your everyday balance.

  • No Monthly Service Fee
  • Nationwide ATM Fee Refunds1
  • Overdraft Privilege Protection2

MyFree Checking

Convenient, secure, and perfect for daily needs.

  • No Minimum Balance
  • No Monthly Service Fee
  • Overdraft Privilege Protection2

MyOpportunity Checking

Your opportunity for a
fresh start.

  • No Minimum Balance
  • $10.95 Monthly Service Fee
  • Free Overdraft Protection

MyMoney Teens Checking

Helps teens learn valuable financial skills.

  • No Minimum Balance
  • No Monthly Service Fee
  • Free Overdraft Protection

Who Can Join?

Membership is open to anyone who lives, works, worships or attends school in one of the 75 counties we serve.

Businesses and other legal entities located in these counties and anyone who is an immediate family member of a current member is also eligible for membership.


Alachua, Baker, Bay, Bradford, Calhoun, Clay, Columbia, Dixie, Duval, Escambia, Flagler, Franklin, Gadsden, Gilchrist, Gulf, Hamilton, Holmes, Jackson, Jefferson, Lafayette, Leon, Levy, Liberty, Madison, Marion, Nassau, Okaloosa, Putnam, Santa Rosa, Saint Johns, Suwannee, Taylor, Union, Wakulla, Walton, and Washington Counties

Baldwin, Butler, Clarke, Coffee, Conecuh, Covington, Crenshaw, Dale, Escambia, Geneva, Henry, Houston, Mobile, Monroe, Washington, and Wilcox Counties

Atkinson, Baker, Berrien, Brantley, Brooks, Camden, Charlton, Clinch, Colquitt, Cook, Decatur, Early, Echols, Glynn, Grady, Lanier, Lowndes, Miller, Mitchell, Pierce, Seminole, Thomas, and Ware Counties

The online account opening was the easiest and fastest experience I’ve had with a bank. I am very impressed!
Bonnie F.

Account Access

Digital Banking
Manage your account anytime, anywhere with our free Digital Banking tools.
Learn More »

Phone Banking
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. 

There are no fees for our members to use any ATM located at a Gulf Winds Branch or any ATM in the CO-OP or Allpoint Network. In fact, our members have access to more than 85,000 fee-free ATMs nationwide!3
Find an ATM near you »

Whether you need to manage and pay your monthly bills, send a one-time payment, or pay back a friend for lunch, you can do it all with Gulf Winds Digital Banking. Our Biller Direct feature gives you the option to make real-time payments (or schedule future ones) to participating merchants using your Gulf Winds credit or debit card. Our Bill Pay option allows you to pay any individual or company by ACH or Bill Pay Check. We have an option for you. 
Learn More »

Overdraft Protection

Whether it's a flat tire or an unexpected bill, our Overdraft Protection gives you peace of mind. By automatically transferring any necessary funds from a designated source to your checking account, our free service means you don't have to worry about fees or if you 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.

Gulf Winds discretionary Overdraft Privilege is a financial resource that can cover an overdraft should you make a mistake with your account. Rather than returning a payment that normally would not clear your account because funds are not available to cover it, we cover the item. While there is a $29.50 fee per item, this resource may protect you from merchant returned check charges or other fees.

Only avaliable for Gulf Winds High-Yield and MyFree Checking Products. Subject to approval.

Text Message Fraud Alerts

Members that use Gulf Winds Visa Debit Cards may receive text messages from us if we need to confirm account activity. How does it work?

Step 1 - Our fraud monitoring system will keep an eye on your transaction activity. If it sees something unusual, you'll get a text notification.

Step 2 - If the transaction is legitimate, simply reply YES to the text message to unlock your card. If you did not make the transaction, reply NO. If the transaction is confirmed as fraud with a “NO” text reply, the card will be blocked immediately and we will respond with the next step necessary. 

You are automatically enrolled in this free service when getting a Gulf Winds Debit Card, however, you can opt-out at any time. If a transaction has been posted to your account that you did not authorize, easily report it in digital banking, in a branch or over the phone. Our digital system makes the claim-filing process simple.

Release of Liability: Alerts sent via the SMS may not be delivered to you if your phone is out of range or if sufficient network capacity is not available at a particular time. Gulf Winds Credit Union cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier. 

Join Gulf Winds. Because your journey matters.

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.

We make it easy to switch your accounts! After you open your account and receive your account number, download our Switch Kit and use these forms to make the switch easier.

Open Account

Download the Switch Kit

Account opening subject to approval. 
1ATM fee refunds up to $15 per cycle when qualifications are met. Only applicable with HY Checking Share accounts, not Primary Share or Primary Savings accounts.
2Subject to account qualification after 30 days. A fee will be incurred for use of this service.
3For machines outside of the Gulf Winds network of ATMs the deposit fee is $1.00 and the inquiry fee is $0.25.