Learn about accounts for kids and students at our Open House
1 A parent or legal guardian must be a joint owner on the account until the minor reaches the age of 18. The dividend rate and Annual Percentage Yield (APY) accurate as of 05/04/2026. Highest yield on balances up to $1,000. A blended APY is calculated based on balances in each earning tier. Fees may reduce earnings. Dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the disclosed annual percentage yield (APY). Dividend rates are variable and subject to change monthly after the account is opened. The minimum opening deposit is $1. You must keep a minimum of $1 in a Regular Savings account to maintain membership. For more, see Fee Schedule and Disclosure of Account Information.
2 To 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. There is no minimum opening deposit. You must keep a minimum of $1 in a Regular Savings account to maintain membership. For more, see Fee Schedule and Disclosure of Account Information.
Accounts with owners ages 16-17 without adults will not have access to Zelle®, external transfer service, and Bill Pay.
3 Message and data rates may apply. Check with your mobile provider.
4 Early deposit of funds is not guaranteed and is dependent on the timing of funding by the payer.
5Official rules for $50 deposit match for students.
Promotion Period: The Student Checking account must be opened April 1, 2026 to July 31, 2026. Eligible participants have until July 31, 2026, 11:59 PM to make the qualifying deposit.
Offer Terms: In order to qualify for the deposit match, an Eligible Participant must open a new Golden 1 Student Checking account and complete at least one qualifying deposit of $50 or more into that account by July 31, 2026. The qualifying deposit must be made via an ACH transfer from a linked bank account, a direct deposit, or a deposit at a Golden 1 branch. Person to Person (P2P) transfers (Venmo, Apple Cash, PayPal etc.) do not qualify. This offer may not be combined with any other checking or savings account bonus offer and is limited to one bonus per member per account. After new members meet the qualification criteria stated above, Golden 1 will make a deposit of $50 into the qualifying Golden 1 account after deposit verification, no later than August 31, 2026. The account must remain open and in good standing until the deposit match is credited.
Tax Information: Deposit matches are considered miscellaneous income and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). You are responsible for any federal, state, or local taxes due on the bonus. Please consult your own tax professional and attorney for tax advice.
Other Terms: Golden 1 reserves the right to exclude any Member from participating in the Program for any reason, including suspected fraud, misuse, or if suspicious activities are observed. Golden 1 also reserves the right to stop or make changes to the Program at any time before the end of the Promotion Period without notice.
