*You must keep a minimum of $1 in a Regular Savings account to maintain membership. See Fee Schedule for more information.

Applicants under age 16 must have a parent or legal guardian as a joint owner.  Applicants ages 16 and 17 may open an account without a joint owner (individual accounts for ages 16 and 17 must be opened in branch).  Accounts with owners ages 16-17 without adults will not have access to Zelle, external transfer service, and Bill Pay.  Individual applicants ages 16 and 17 and all applicants age 18 and over must affirm attendance at a high school, college, university, or trade school.  This account does not earn dividends.

¹Wireless carrier text or data fees may apply. Must be 18 years of age or older for Mobile Deposits.

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 page for additional information.

³Must be 18 years of age or older.

⁴Early deposit of funds is not guaranteed and is dependent on the timing of funding by the payer.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 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.

U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. Please see the Golden 1 Digital Banking Services Agreement for the full terms and conditions.