Free Checking
Free Checking is a great option for people who want a basic account with no monthly maintenance fees. This account does not earn dividends.
*Wireless carrier text or data fees may apply.
**Must be 18 years of age or older.
All third-party companies, products, and service names are for identification purposes only. All service marks, trademarks, and registered trademarks are the property of their respective owners.
Freedom CheckingSM
Golden 1 Freedom CheckingSM is a free account that can help students ages 16 and 17 manage their money independently. To be eligible for this free account, students must maintain a B grade average or higher. Once the teen turns 18, the account converts to a Free Checking account. This account does not earn dividends.
* Wireless carrier text or data fees may apply.
All third-party companies, products, and service names are for identification purposes only. All service marks, trademarks, and registered trademarks are the property of their respective owners.
Compare Checking Accounts
No minimum deposit required to open account* |
No monthly maintenance fee |
Mobile, Online, and Text Banking services* |
Mobile Deposit |
Free first box of Golden 1 Custom Image 40-pack checks |
Debit Card (subject to approval) with fraud protection |
Free access to over 30,000 Golden 1 and CO-OP Network ATMs |
Golden PrestigeSM Package Add-on (for members 62 or older) |
Apply Online |
*You must keep a minimum of $1 in a Regular Savings account to maintain membership. See Fee Schedule for more information.
Golden 1 Debit Card Makes Your Life Easier!
Concerned about fraud? Golden 1 Debit card is chip-enabled and contactless, making purchases fast, easy, and more secure. For ultimate convenience, download the card into your mobile wallet to pay with your smart phone!
Enable transaction controls and alerts to receive push notifications1 when your card is used to make a purchase. And if there is unauthorized activity on your card, you’re covered with Zero Liability Protection2.
A Golden 1 Debit Card3 comes with your checking account, along with access to 30,000 fee free ATMs nationwide! These are just some of the many benefits of being a Golden 1 member!
Questions about contactless cards? See our FAQs

1Message and data rates may apply. Check with your mobile provider.
2Golden 1 provides Zero Liability Protection for unauthorized transactions on your card. To be covered the cardholder must safeguard their account information and notify Golden 1 promptly of any unauthorized transactions. Certain conditions and limitations can apply. For more information about consumer liability for unauthorized transactions, please refer to your Golden 1 Disclosure of Account Information. Visit our Golden 1 Identity Theft and Fraud website for additional information.
3Subject to approval.
Ordering Checks
Whether you're re-ordering, changing your address, or choosing your first batch of checks, you can use any of these three ways to order. Select from a wide range of check styles. What works best for you?
- Online through Online Banking:
- Sign on to your Online Banking account
- Click on your Checking account
- On the Account Details page, click on More Actions
- Select Order Checks
- At your local branch
- By phone: 1-877-465-3361
That's it! You should receive your checks within two weeks.
