MyOpportunity Checking Account

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 from Personal Savings
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 from Personal Savings
Low monthly service charge of $10.95
$25 minimum deposit to open account

1.800.650.6328

Manage Your Account Anytime, Anywhere

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

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.

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.

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 Protection¹

High-Yield Checking

Earn interest on your everyday balance.

No Monthly Service Fee
No Minimum Balance
Overdraft Privilege Protection¹

Teens Checking

Helps teens learn valuable financial skills.

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

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.

MyOpportunity Checking Accounts