Closure Notice: We are open 9:00am -12:00pm on Tuesday, December 24, and closed Wednesday, December 25 in observance of Christmas Eve and Christmas Day. 

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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 Overdraft Protection from Personal Savings
  • Free Digital Banking with bill pay and alerts
  • Text message fraud alerts
  • Overdraft Privilege1
  • 24-Hour Phone Banking
  • 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 from Personal Savings
  • Overdraft Privilege1
  • 24-Hour Phone Banking

Apply Now  1.800.650.6328

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 Privilege1 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

 

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. 

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.

Open an Account Make an Appointment

Additional Checking Options

High-Yield Checking

Earn interest on your everyday balance.

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

MyOpportunity Checking

Your opportunity for a fresh start.

  • $25 Minimum Balance
  • $10.95 Monthly Service Fee
  • Free Overdraft Protection from Personal Savings
Learn More

MyMoney Teens Checking

Helps teens learn valuable financial skills.

  • No Minimum Balance
  • No Monthly Service Fee
  • Free Overdraft Protection from Personal Savings
Learn More

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.