In 2010, a federal regulation went into effect requiring Golden 1 to have your consent to charge an overdraft fee on
your everyday debit card transactions.
What does this mean to you?
This means that if you do not opt in to overdraft protection for your everyday debit card transactions, we will generally decline the transaction if you do not have enough money in your account at the time of the transaction. However, you have the opportunity to opt in to this service with us.
The choice is yours...
If you prefer not to have this service, do nothing. We will generally cover overdrafts caused by your
everyday debit card transactions only if you provide your consent. Note: Click here for information on Courtesy Pay. If you have additional questions please review our FAQs, or our Disclosure of Account Information.
I want it! How do I sign up for this service?
Before accepting your consent to opt in to our service entitled Courtesy Pay for Everyday Debit Card Transactions, we wish to redeliver to you our disclosure entitled “What You Should Know About Overdrafts and Overdraft Fees.” You can receive a copy of it in person at one of our branches, we can mail it to you, or you can consent to receive it electronically by clicking on the links below.
By clicking the links to the opt-in forms, I agree to accept electronic delivery of the disclosure entitled “What You Should Know About Overdrafts and Overdraft Fees.”
Opting in is EASY! You can:
What if I do NOT want Golden 1 to authorize and pay overdrafts on my everyday debit card transactions?
If you do NOT want Golden 1 to authorize and pay your everyday debit card transactions, do nothing. We generally do not pay them unless you previously opted in. However, if you had previously opted in, but changed your mind and would like to revoke your consent, you may do so at any time.
Simply visit any Golden 1 branch, call 1-877-GOLDEN 1 (1-877-465-3361), or download, complete and mail your written revocation to Golden 1 Credit Union, P.O. Box 15966, Sacramento, CA 95852-0966. You may also revoke your consent online by clicking here. (Please note that if you revoke your previous opt-in consent, any charges previously assessed during the opt-in period will still be charged.)
Still not sure if this new coverage is right for you?
For more information on Regulation E please see the "Highlights of Final Rules Regarding Overdraft Services document on the Federal Reserve website.
Tools and Resources
Disclosure of Account Info
Set Up Direct Deposit
ABA Routing Number
Get an ATM/Debit Card
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