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 or Allpoint Network ATMs. With over 90 free local ATMs, and more than 85,000 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 »

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 »

Biller Direct

The days of visiting multiple websites to pay your bills are gone! With Biller Direct, you can now make payments and manage your bills from one easily accessible location within Gulf Winds Digital Banking. Biller Direct helps you link your accounts, set up payments and receive real-time updates so that you always know your balance, payment amounts and due dates. Learn More »

eStatements 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 »


Payment method updates are easier for all your favorite online shopping, streaming, and subscription services with CardSwap. Enroll your Gulf Winds credit or debit card within the Digital Banking platform to easily update your recurring charges. 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.

Check Ordering

For your convenience, Gulf Winds offers several methods of ordering your checks. You can reorder checks any time you need to through Digital 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.

Need help balancing your checkbook? Download our printable check reconcilement form »

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. 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. Learn More »

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.

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 Movie Theaters

Discount movie tickets are available at select branches in our drive-thrus and teller lines. They never expire and can be used anytime at any AMC or Ridge Theater.

Subject to availability.