ACCESS YOUR MONEY WITH LOW TO NO FEES.
CONVENIENT SECURITY CONTROLS.
Activate text, email, or mobile alerts for immediate notifications for security and convenience.
Turn your debit card on or off and easily report it lost or stolen.
SEND AND RECEIVE MONEY.
Set automated payments and transfers.
Use Zelle® for quick payments to friends and family.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
EARLY PAYDAY.
Sign up for direct deposit and get paid up to two days early! We put direct deposits in your account as soon as funds are available.
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.
Easy Checking
The perfect account for those who are new to banking or haven’t had a checking account for some time. Take control of your money with Easy Checking and enjoy easy 24/7 access.
Easy Checking is Bank On Certified. The Cities for Financial Empowerment Fund’s national Bank On platform supports local coalition and financial institution efforts to connect consumers to safe, affordable bank accounts.1
1Must be 18 years of age or older.
2Wireless carrier text or data fees may apply.
3Golden 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.
4Zelle® 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.
MarketRate CheckingSM
If you regularly keep a high balance in your checking account, MarketRate Checking was designed with you in mind. It pays you more and allows easy access to your money whenever you need it.
*The $15 monthly maintenance fee is waived if you: maintain a minimum daily balance of $10,000 or more, OR are enrolled in Golden Prestige℠. Fees could reduce earnings.
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.
Student Checking
Start your life-long financial journey with a Student Checking account. This affordable, Bank On certified* account helps you easily track your money – so you can stay focused on your academic goals.
Applicants under age 16 must have a parent or legal guardian as a joint account owner. Applicants ages 16 and 17 may open a Student Checking account in the branch without a joint owner.2
*The Cities for Financial Empowerment Fund’s national Bank On platform supports local coalition and financial institution efforts to connect consumers to safe, affordable bank accounts. Bank On certified accounts are not eligible for Courtesy Pay.
**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.
2Accounts with owners ages 16-17 without adults will not have access to Zelle, external transfer service, and Bill Pay.
Compare Checking Accounts
| No minimum deposit required to open account* |
| No monthly maintenance fee |
| Mobile, Online, and Text Banking services* |
| Mobile Deposit |
| Free first box of Golden 1 Custom Image 40-pack checks |
| Debit Card (subject to approval) with fraud protection |
| Free access to over 30,000 Golden 1 and CO-OP Network ATMs |
| Golden PrestigeSM Package Add-on (for members 62 or older) |
| Apply Online |
| No minimum deposit required to open account* |
| No monthly maintenance or overdraft fees. |
| Free mobile and online banking services2 |
| Mobile Deposit |
| Free first box of Golden 1 Custom Image 40-pack checks |
| Debit Card (subject to approval) with fraud protection3 |
| Free access to over 30,000 Golden 1 and CO-OP Network ATMs |
| Make payments easily with free Online Bill Pay and Zelle®4 |
| Apply Online |
| Earns dividends with a minimum daily balance of $1,000 |
| With balances of $10,000 or more, you’ll earn higher dividends and we’ll waive the monthly maintenance fee* |
| Minimum $25 opening deposit |
| Apply online |
| Minimum $25 opening deposit |
| Earns dividends with a minimum daily balance of $1,000 |
| Mobile, Online, 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 Prestige℠*** |
| Debit Card (subject to approval) with fraud protection |
| Free access to over 30,000 Golden 1 and CO-OP Network ATMs |
| Golden PrestigeSM Package Add-on (for members 62 or older) |
| Apply Online |
| For students between the ages of 13 and 24** |
| No minimum deposit and no monthly maintenance fee |
| Free personalized financial education for each stage of your life |
| Card management features let you set alerts and transaction limits, turn your card on and off, and add cards to your mobile wallet |
| Apply online |
*You must keep a minimum of $1 in a Regular Savings account to maintain membership. See Fee Schedule for more information.
All checking accounts include:
Golden 1 Debit Card Makes Your Life Easier!
Concerned about fraud? Golden 1 Debit card is chip-enabled and contactless, making purchases fast, easy, and more secure. For ultimate convenience, download the card into your mobile wallet to pay with your smart phone!
Enable transaction controls and alerts to receive push notifications1 when your card is used to make a purchase. And if there is unauthorized activity on your card, you’re covered with Zero Liability Protection2.
A Golden 1 Debit Card3 comes with your checking account, along with access to 30,000 fee free ATMs nationwide! These are just some of the many benefits of being a Golden 1 member!
Questions about contactless cards? See our FAQs
1Message and data rates may apply. Check with your mobile provider.
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 website for additional information.
3Subject to approval.
Ordering Checks
Whether you're re-ordering, changing your address, or choosing your first batch of checks, you can use any of these three ways to order. Select from a wide range of check styles. What works best for you?
- Online through Online Banking:
- Sign on to your Online Banking account
- Click on your Checking account
- On the Account Details page, click on More Actions
- Select Order Checks
- At your local branch
- By phone: 1-877-465-3361
That's it! You should receive your checks within two weeks.
Amazon One
Meet Amazon One. A free, contactless, and secure way to pay for your favorite things using your palm. Ditch your wallet—either physical or digital— and just hover your palm over an Amazon One device. It’s that easy, because it’s built off the most powerful thing of all: your identity.
Signing up is simple and takes less than a minute. Once you’re signed up, you can use your palm to enter, identify, and pay wherever Amazon One is available.
So, go for it. Pre-enroll online today and add your Golden 1 card to your Amazon One ID.
No phone? No wallet? No problem. No matter where your to-do list takes you, you have what you need.
Learn more about Amazon One.
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- You are linking to an alternate website not operated by the credit union.
- Golden 1 is not responsible for the product, service, or overall content of the alternate website.
- Golden 1 does not represent either the third party or the member if the two enter into a transaction.
- Privacy and security policies may differ from those practiced by the credit union.
