*Offer is limited to new members who received the offer via a direct communication from Golden 1 Credit Union (Golden 1) and have not owned or jointly owned a Golden 1 checking account or credit card within the last twenty-four (24) months of this offer.  Fiduciary accounts (e.g., trust and business accounts) are not eligible for this offer. Offer may not be combined with any other checking account or credit card bonus offer and is limited to one bonus per member per account. Current Golden 1 employees are not eligible. Other restrictions may apply. Golden 1 may change or discontinue this offer at any time without notice. To earn your $200 bonus, open a new Checking account or credit card at a Golden 1 branch location, by phone, or online at golden1.com by December 15, 2025, and complete qualifying actions within a two-month period. Latest date to complete qualifying actions is February 15, 2026. Qualifying actions include making purchases of $500+ per month using a Golden 1 credit or debit card (total $1,000+), or receiving $500+ in direct deposits per month (total $1,000+). A qualifying direct deposit is an electronic deposit of paycheck from your employer (such as your salary, pension, or social security benefits) which use your account and routing number that you provide to them. Other transfers and deposits – such as teller deposits, wire transfers, person to person payments, such as Zelle®  and Venmo™, ATM transfers or deposits, debit card deposits and credits, or Online and Mobile Banking transfers or deposits are not considered direct deposits. The bonus will be deposited into your regular share (savings) account by March 31, 2026 after verification of the qualifying purchases or direct deposits. Your account is required to be open and in good standing to receive the bonus. You are responsible for any federal, state, or local taxes due on the bonus and we will report as income to the tax authorities if required by applicable law. Please consult your own tax professional and attorney for tax advice. Minimum deposits to open a Golden 1 Checking account are as follows: $0 minimum opening deposit for Free Checking, Easy Checking, and Student Checking; $25 minimum opening deposit for MarketRate Checking^SM and Premium Checking^SM. All standard account terms, conditions, and opening procedures apply. For a comprehensive list of account pricing, terms and policies, see the Disclosure of Account Information and Fee Schedule. These documents can be obtained online, by contacting a Golden 1 branch, or by calling 1-877-GOLDEN 1 (1-877- 465-3361).

¹ 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. See the Fee Schedule.

² Early deposit of funds is not guaranteed and is dependent on the timing of funding by the payer. 

³ To participate in G1 Rewards with CashBack+ you must be 18 years of age or older; have an open and active Golden 1 membership, be the primary account holder of an eligible Savings or Checking account and enrolled in Online Banking; must be a U.S. citizen residing in the United States and accept Golden 1’s terms and conditions for the G1 Rewards program. Golden 1 Credit Union accounts eligible for G1 Rewards with CashBack+ include: Free Checking, Premium Checking^SM, MarketRate Checking^SM, Golden Prestige^SM Checking, Easy Checking, and Student Checking, Regular Savings, Growth Savings.

⁴ You earn cash rewards on net qualified purchases (less credits, returns and adjustments) for each $1 spent. No maximum limit on total cash rewards earned. Balance transfers, cash advances and cash-equivalent transactions, such as purchases of money orders or gift cards, and certain other purchases/transactions do not earn rewards. We reserve the right to determine in our sole discretion whether a particular transaction is a qualified purchase. A 4% cash reward is offered on net qualified gas purchases and electric vehicle (EV) charging stations at eligible merchants. Cash rewards on gas and EV charging station purchases combined are limited to up to $5,000 in purchases annually, then 1% thereafter. A 3% cash reward is offered on net qualified purchases from eligible restaurants, including fast food and food delivery. A 3% cash reward is offered on net qualified purchases from eligible grocery stores or supermarkets. Purchases made at wholesale warehouse clubs are not eligible for rewards. All other net qualified eligible purchases will receive a 1% cash reward for each $1 spent.

⁵ 4% cash back rewards on net gas and EV charging station purchases combined are limited to up to $5,000 in net purchases annually, 1% thereafter.

⁶ Other fees apply. Cash advance fee is either $5 or 2.5% of the amount of each cash advance, whichever is greater. Foreign transaction fee is up to 1% of each transaction in U.S. dollars.