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It pays to belong to Bay Winds Federal Credit Union. In fact, it pays in more ways than one. Our checking accounts provide yet another reason why Bay Winds is the smart place to put your money.

Your Bay Winds checking account is the gateway to all these benefits:

  • No monthly service charges
  • Free  MasterCard Debit Card
  • No charges for writing checks or debit card purchases
  • Free Online Banking
  • Free Mobile Banking
  • Free Online Bill Pay
  • Free cancelled check copies online
  • Free e-Statements
  • NCUA insurance to protect your balances
  • Overdraft Privilege for qualified transactions and accounts
  • The convenience of 24-hour access to nearly 30,000 surcharge-free CO-OP Network ATMs across the nation
  • Direct Deposit available

If you're not yet a member, it’s as simple as following a few simple steps. Join today, you’ll be glad you did!

No-Fee Checking

The best rule about our No-Fee Checking is that there are no rules. It’s free. You don’t pay a dime. So go ahead, write as many checks as you want and don’t worry about incurring a charge. But there’s more to our No-Fee Checking:

Simplicity — There’s no minimum balance, no hidden charges and low-priced personal checks from Deluxe.

Convenience — Access your account online 24/7, direct deposit, Bay Winds MasterCard Debit Card, Free Online Bill Pay and online Check Imaging System.

Security — You get the safety of overdraft protection and NCUA Insurance up to $250,000 per account.

Money Market Checking

Bay Winds Money Market Checking accounts earn an investment rate of return with virtually no risk. With a minimum balance of $2,500, this account will produce higher yields. And you can write unlimited checks as long as you don’t fall below the minimum account balance.

In addition to the same benefits of No-Fee Checking, the advantages of our Money Market Checking go further:

Liquidity — You have the ability to access your funds whenever you need them.

Peace of Mind — Never worry about writing too many checks or not being able to cover those checks with our overdraft protection. And, you can earn dividends on average daily balances exceeding $2,500.

Low Risk, High Return — Get investment-quality dividends with maximum liquidity.

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