Enjoy effortless checking.

Our checking accounts offer convenient ways to access your money with low-to-no-fees.

We know you work hard for your money. You deserve to save wherever you can, and we're here to help. We offer free checking as well as interest-earning checking accounts.

We also have special accounts for seniors, and youth accounts designed to help teens and college students build independence and responsibility. In fact, Golden 1 was named 2019 Best Credit Union for Teens and College Students by NerdWallet.com. 

Explore our checking options below!

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.

Premium CheckingSM


This dividend-earning account is ideal if you routinely keep a minimum daily balance of $1,000 or more in your checking account. This account maximizes your dividend-earning potential while providing convenient access to your funds, including unlimited withdrawals and deposits.

*Wireless carrier text or data fees may apply
**Must be 18 years of age or older.
***Fees could reduce earnings

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.

 

$1,000.00 - $9,999.99

Dividend Rate 0.10%
APY* 0.10%

$10,000.00 - $49,999.99

Dividend Rate 0.15%
APY* 0.15%

$50,000.00 - $99,999.99

Dividend Rate 0.20%
APY* 0.20%

$100,000.00 & Over

Dividend Rate 0.25%
APY* 0.25%

*Annual Percentage Yields (APY) and dividend rates are established monthly by the credit union's board of directors. All dividends are compounded monthly. The dividend rate and APY were accurate as of 11/01/2019. Fees may reduce earnings. On term-savings certificates, the rate is in effect until the maturity date. Dividend rates are variable and subject to change monthly after the account is opened. The APY is based on the assumption that dividends remain on deposit within the account during the dividend period, withdrawals will reduce earnings, and there are penalties for early withdrawal. A minimum daily balance of $1,000 is required in the account each day to obtain the APY.

Apply Online

New Generation CheckingSM


New Generation Checking is an easy-to-maintain account designed for teens between the ages of 13 and 17 who want to learn how to manage a checking account responsibly. Minors must have a parent or legal guardian sign as a joint owner on the account until the teen reaches the age of 18. Once the teen turns 18, the account will convert 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.

Freedom CheckingSM


Golden 1 Freedom Checking 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.

Student Checking


Student Checking is a free checking account that offers college students convenient access to their funds. To be eligible for this account, you must be a student age 17 or older and be able to provide proof of enrollment, acceptance, or attendance at any college or university. After five years, your Student Checking account will convert automatically into a Free Checking account. 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.

No minimum deposit required to open account
No monthly maintenance fee
Online, Mobile, and Text Banking services*
Mobile Deposit
Online Bill Payment service and Popmoney® personal payment service (for person-to-person payments) **
Free first box of Golden 1 Custom Image 40-pack checks
Debit Card (subject to approval)
Free access to over 30,000 Golden 1 and CO-OP ATMs
Golden PrestigeSM Package Add-on (for members 62 or older)
Apply Online
Minimum $100 opening deposit
Earns dividends with a minimum daily balance of $1,000
Online Bill Payment service and Popmoney® personal payment service (for person-to-person payments) **
Online, Mobile, and Text Banking services*
Mobile Deposit
Free first box of Golden 1 Custom Image 40-pack checks
The $8 monthly maintenance fee is waived if you: Have electronic Direct Deposit of a recurring paycheck or retirement check into your Premium Checking Account, OR Maintain a minimum daily balance of $500, OR Maintain an aggregate savings balance of $5,000 or more in any combination of savings accounts under the same membership as the Premium Checking Account during the statement period at the time the monthly maintenance fee is assessed, OR Are enrolled in Golden PrestigeSM***
Debit Card (subject to approval)
Free access to over 30,000 Golden 1 and CO-OP ATMs
Golden PrestigeSM Package Add-on (for members 62 or older)
Apply Online
No minimum deposit required to open account
No monthly maintenance fee
Online, Mobile, and Text Banking services*
Mobile Deposit
Free first box of Golden 1 Custom Image 40-pack checks
Debit Card (subject to approval)
Free access to over 30,000 Golden 1 and CO-OP ATMs
Visit a Branch
Withdrawal and deposit funds without the presence of a parent or legal guardian
No minimum deposit required to open account
No monthly maintenance fee
Online, Mobile, and Text Banking services*
Mobile Deposit
Free first box of Golden 1 Custom Image 40-pack checks
Debit Card (subject to approval)
Free access to over 30,000 Golden 1 and CO-OP ATMs
Visit a Branch
No minimum deposit required to open account
No monthly maintenance fee
Online, Mobile, and Text Banking services*
Mobile Deposit
Online Bill Payment service and Popmoney® personal payment service (for person-to-person payments) **
Free first box of Golden 1 Custom Image 40-pack checks
Debit Card (subject to approval)
Free access to over 30,000 Golden 1 and CO-OP ATMs
Visit a Branch

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

Visa Debit Card


Your Golden 1 Debit card links directly to your checking account, so there’s no need to write checks at the store or keep your wallet stuffed with cash.

Concerned about fraud? We are, too. That’s why every Golden 1 Debit card is chip-enabled for secure transactions. And if your card is used without your permission, you’re covered with Zero Fraud Liability Protection1. So get a Golden 1 Debit Card2 along with your checking account and shop with confidence — and convenience.

woman using her platinum rewards card on her laptop

1Golden 1 provides zero fraud liability for unauthorized transactions on your card. Cardholder must notify Golden 1 promptly of any unauthorized use. Certain conditions and limitations can apply. 
2Subject to approval

Need New Checks?


There are three ways to change your address and select from a wide range of check styles. What works best for you?

  1. Log in to your Online Banking account
  2. Select "Self Services"
  3. Make any updates, and/or select "Order New Checks"

That's it!  You should receive your checks within two weeks.

a hand writing a check