When shopping for a checking account, you're sure to have many options. So how do you choose the account that's best for you? Start by considering these six factors.
1. Extra Fees
You may assume all checking accounts are free. But many checking accounts come with hidden costs, such as:
- ATM fees
- Monthly maintenance fees
- Overdraft charges
When choosing your account, look for options with minimal to no fees. At Golden 1, we offer many checking accounts with low to no fees. Often, you can avoid paying fees by meeting certain criteria, such as maintaining a minimum account balance or enrolling in direct deposit.
2. Dividend Rates
Savings accounts are your best bet for high dividend rates. However, some checking accounts do offer dividend earnings.
We offer two dividend-earning checking accounts to help you get more bang for your buck. Compare the dividend rates and qualifications for each account to maximize your earnings.
3. Minimum Balance Requirements
Check the fine print for details on minimum balances. Some banks or credit unions require you to maintain a certain account balance to avoid fees or qualify for perks. Make sure you can easily and consistently meet any balance requirements before signing up.
Whether you’re new to checking or a seasoned pro, we offer an account for you. Some of our accounts require no minimum balance, while others allow you to earn dividends for maintaining a certain minimum daily balance.
4. ATM Access
With any account, it’s important that you have easy access to cash when you need it. Does your bank or credit union offer convenient ATM locations near your home, workplace or other regular stops in your routine?
With a Golden 1 checking account, you have free access to more than 30,000 Golden 1 and CO-OP Network ATMs. Use our ATM and branch finder to locate ATMs near you.
5. Online and Mobile Banking
In an online world, mobile banking options are more and more important. Look for online and mobile features that allow you to easily:
- Deposit checks
- Manage your account
- Pay bills
- Transfer funds
- View transactions and set alerts
We offer convenient online and mobile banking platforms, so you have easy access to your accounts on-the-go.
6. Banking preferences
Do you prefer a brick-and-mortar bank or an online-only bank? What about a hybrid model that offers both? Consider your preferences and comfort levels and choose accordingly.
With Golden 1, you have access to extensive online banking tools along with numerous full-service branch locations and Home Loan Centers all over California. When you want in-person services, you can expect a warm welcome and personalized attention.
Open a Checking Account with Golden 1
When you belong to Golden 1, you’re part of a community built by members, for members. We offer all the banking services you expect with exceptional service and low to no fees. Get started by:
- Applying online
- Calling 1-877-465-3361
- Visiting a Golden 1 branch near you
