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.

Skip to main content
Celebrating 70 Years of Service

MyFree Checking Accounts

Free checking. It’s that simple.

Gulf Winds MyFree Checking Accounts offer no monthly service fees, no minimum balance and free digital banking tools.

  • No minimum balance
  • No monthly service fee
  • Free VISA Debit Card
  • Access to 85,000+ free nationwide ATMs
  • Free Digital Banking with bill pay and alerts
  • Text message fraud alerts
  • Free Overdraft Protection
  • 24-Hour Phone Banking
  • Overdraft Privilege Protection2
  • No minimum balance
  • No monthly service fee
  • Free VISA Debit Card
  • Access to 85,000+ free nationwide ATMs
  • Free Digital Banking with bill pay and alerts
  • Text message fraud alerts
  • Free Overdraft Protection
  • 24-Hour Phone Banking
  • Overdraft Privilege Protection2
The Gulf Winds team makes it easy to manage my money. It's clear they have my best interest in mind.
Chris A.

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.

 

Calendar

Move Your Payday Forward... By Two Days!

It's your money, why wait for it? With direct deposit, you could get your paycheck up to two days early.**

Learn More

 

Ready to Open an Account?

Higher savings rates, better loan rates and lower fees. We believe banking should move you forward. Your future self will thank you.

Additional Checking Options

High-Yield Checking

Earn interest on your everyday balance.


  • No Monthly Service Fee
  • No Minimum Balance
  • Overdraft Privilege Protection1

MyOpportunity Checking

Your opportunity for a fresh start.


  • $25 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

Account opening subject to approval. 
1Subject to account qualification after 30 days. A fee will be incurred for use of this service.
**Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.