Skip to main content

MyOpportunity Checking Accounts

Checking solutions, not obstacles.

Need a fresh start? Enjoy quality account services with MyOpportunity Checking, even if you've had trouble with your checking account in the past.

  • Free VISA Debit Card
  • Access to 85,000+ free nationwide ATMs
  • Free Digital Banking with bill pay and alerts
  • Free eStatements with check images
  • Free 24-hour phone banking
  • Free Overdraft Protection
  • Low monthly service charge of $10.95
  • $25 minimum deposit to open account
  • Free VISA Debit Card
  • Access to 85,000+ free nationwide ATMs
  • Free Digital Banking with bill pay and alerts
  • Free eStatements with check images
  • Free 24-hour phone banking
  • Free Overdraft Protection
  • Low monthly service charge of $10.95
  • $25 minimum deposit to open account
Mobile Devices

Manage Your Account Anytime, Anywhere

Check your balance, transfer money, pay bills, deposit checks and more with our secure Digital Banking. Learn More

Download the gulf winds mobile app from the Apple app store opens in a new window Download the gulf winds mobile app from Google Play opens in a new window
Gulf Winds helped me get back and track and gave me a chance when other Financial Institutions wouldn't.
Joe W.

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.

Open Your Account Today

You focus on the future. We'll handle the rest. 
Account opening subject to approval. Account cannot be opened online.

Get Started

Additional Checking Options

MyFree Checking

Convenient, secure, and perfect for daily needs.


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

High-Yield Checking

Earn interest on your everyday balance.


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

Teens Checking

Helps teens learn valuable financial skills.


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

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.