Personal Banking
Student Checking
Kickstart your money game with Golden 1's Student Checking. This account helps students develop smart saving and spending habits, learn basic budgeting, and tap into the benefits and rewards Golden 1 has to offer.
- For students ages 13-241
- Applicants under age 16 must have a parent or legal guardian as a joint account owner. Applicants ages 16 and 17 may open a Student Checking account in the branch without a joint owner.
- $0 minimum deposit to open*
- $0 monthly maintenance fee*
Student checking features
Mobile money
Manage your money anywhere with the Golden 1 mobile app and online banking portal.
Early payday
With direct deposit setup, get access to your paycheck up to two days early2.
Spend & send
Access your cash with a network of 30,000+ fee-free ATMs or easily send money to friends and family with Zelle®3.
Get things rollin' with a $50 deposit match4
Open a Student Checking account this summer and get instant access to your money, plus a $50 deposit match4 for a limited time.
Student Checking FAQs
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A Golden 1 Credit Union Student Checking account is available to teens and young adults ages 13 to 24. 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 age 18 must affirm student status at a high school, college, university, or trade school to be eligible.
Here for you, here for California
At Golden 1 Credit Union, we're about more than just banking--we're about building stronger California communities and helping you thrive. It's our mission to empower you with financial solutions and resources that fit your everyday life, and by giving back to the communities and neighborhoods we call home.
More ways we can help
More ways we can help
Discover tools, resources, and additional articles to empower your financial knowledge.
Budgeting for students
Knowing exactly what you need to cover your living expenses helps you determine how many hours you’ll need to work to get by, or how much to borrow.
Read about student budgeting
Learning Lab provides you a path to financial success
Explore interactive tools, resources, and courses designed to help you budget, save, and achieve your financial goals.
Practical tips for your everyday financial wins
Stay informed with our financial tips, expert insights, and real-life strategies to help you manage your money confidently.
Become a member today
Experience the Golden 1 difference and start your financial journey today.
Discover even more options
Discover even more options
Growth Savings
This is the perfect account for anyone who’s just starting their savings journey. Designed to reward new savers, this account offers bigger rates for smaller balances.
FlexSavings
Save for some of life's biggest moments. This account allows you to set a goal, pick your payout date, and watch your money grow.
*You must keep a minimum of $1 in a Regular Savings account to maintain membership. See Fee Schedule for more information.
1To 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.
2Early deposit of funds is not guaranteed and is dependent on the timing of funding by the payer.
3Online 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.
