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FAQs - How to join
*You must keep a minimum of $1 in a Regular Savings account to maintain membership. For more, see Fee Schedule and Disclosure of Account Information.
1The $8 monthly maintenance fee is waived if you: Have electronic Direct Deposit of a recurring paycheck or retirement check into your Premium Checking Account, OR maintain a minimum daily balance of $500, OR maintain an aggregate savings balance of $5,000 or more in any combination of savings accounts under the same membership as the Premium Checking Account during the statement period at the time the monthly maintenance fee is assessed, OR Are enrolled in Golden Prestige℠.
2The $15 monthly maintenance fee is waived if you: maintain a minimum daily balance of $10,000 or more, OR are enrolled in Golden Prestige℠. Fees could reduce earnings.
3The Cities for Financial Empowerment Fund’s national Bank On platform supports local coalition and financial institution efforts to connect consumers to safe, affordable bank accounts. Bank On certified accounts are not eligible for Courtesy Pay.
4To be eligible for this account, you must be a student between the ages of 13 and 24. When you turn 25, your Student Checking account will convert automatically to a Free Checking account. Applicants under age 16 must have a parent or legal guardian as a joint owner. Individual applicants ages 16 and 17 and all applicants over 18 must affirm attendance at a high school, college, university, or trade school. This account does not earn dividends. Accounts with owners ages 16-17 without adults will not have access to Zelle, external transfer service, and Bill Pay.
5Early deposit of funds is not guaranteed and is dependent on the timing of funding by the payer.
6Online Bill Payment and Zelle® are only available for members 18 or older. There is no fee to use Zelle® in the Golden 1 Mobile Banking app and Online Banking. However, other fees may be assessed based on usage. Message and data rates may apply. Check with your mobile provider. Other fees such as, but not limited to, Golden 1 Courtesy Pay or Overdraft Protection fees may apply, if enrolled in those or other available programs.
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