*To be eligible for the Student Checking 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. You must keep a minimum of $1 in a Regular Savings account to maintain membership.

**The dividend rate and Annual Percentage Yield (APY) accurate as of 06/16/2026. 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.

¹In order to be automatically entered into the Sweepstakes, an Eligible Participant must deposit $250 or more into a Student Checking account by October 31, 2026. There will be one (1) entry allowed per person. From all valid entries, ten (10) winners will be randomly selected. All entries must be received by 11:59 PM on October 31, 2026. You may be required to provide some or all of the following information: your first and last name, date of birth, email address, and phone number to claim the winning Prize. All federal, state, and local laws and regulations apply. 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. See 2026 Back To School Student Sweepstakes Official Rules.

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

⁶Read the full terms and conditions.