At Gulf Winds, we strive to provide our members with transparency on the fees associated with their personal and business accounts while keeping them as low as possible. Review the schedule of fees of our accounts below.
Schedule of Fees & Charges effective as of August 2, 2021.
| Account Research Fee | $25.00 per hour |
| Non-Proprietary ATM Transaction Fees | |
| Cash Withdrawals | $1.00 per transaction |
| Balance Inquiries and Transfers | $0.25 per transaction |
| Cashier’s Check Fee/Third Party Check Withdrawal Fee | $3.00 per item |
| Check Cashing Fee (Waived based on CU relationship) | $2.00 per item |
| Check Copy Fee | $3.00 per copy |
| Check Printing Fee | Varies |
| Coin Machine Fee - Members | 3% of amount |
| Coin Machine Fee - Non-members | 3% of amount |
| Collection Item Fee | $15.00 per item |
| Debit Card Fedex Fee | $25.00 |
| Collection Item Return Fee | $18.00 per item |
| 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 |
| MyOpportunity Checking Share Draft | $10.95 per month |
| Overdraft Privilege Fee | $29.50 per item |
| Returned Item NSF Fee (Non-Sufficient Funds) | $30.00 per item |
| Primary Share Account Closure Fee (waived for Accounts open in excess of 60 days) | $10.00 per occurrence |
| Checking Account Reconciliation Fee (applies to 2nd & subsequent requests) | $25.00 per occurrence |
| Rejoin Fee (waived for members rejoining after 12 months) | $25.00 |
| Reopen 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 |
| Safe Deposit Box Fees | |
| Rental - 3x5 | $20.00 per year |
| Rental - 3x10 | $40.00 per year |
| Rental - 5x5 | $30.00 per year |
| Rental - 5x10 | $60.00 per year |
| Rental - 10x10 | $80.00 per year |
| Forced Entry | Actual Cost |
| Statement Copy Fee | $3.00 per copy |
| Bill Payment Stop Payment Fee | $15.00 per item |
| 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 |
*Foreign Transactions include internet transactions made in the U.S., but with a merchant who processes the transaction in a foreign country.
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.
*Foreign Transactions include internet transactions made in the U.S., but with a merchant who processes the transaction in a foreign country.
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.
Accounts will be assessed the "Overdraft Privilege Fee (Standard or Extended Coverage) for handling each overdraft created by checks, ACH transactions (automatic debits), recurring debit card transactions, online bill pay items, On-Us Items Cashed by Non-Members, and everyday debit card transactions. An overdrawn balance must be repaid within 32 days. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of 24 hours, if you default on any loan or other obligation to us or if your account is subject to any legal or administrative order or levy.
An NSF Return Fee is assessed each time an item is presented against insuffiecient funds. Any item (check, ACH, or other electronic transaction) that is initially returned to the payee because the Available Balance in your account was not sufficient to cover the item can be represented by the payee for payment multiple times, which is beyond our control. We will charge an overdraft or return item fee regardless of the number of times an item is presented to us for payment against insufficient funds, and regardless of whether we pay or return the item.