There is an $8 monthly maintenance fee to keep your Golden 1 Premium Checking Account current. However, that monthly maintenance fee is waived if you meet any of the following requirements:

• You have an electronic Direct Deposit of a recurring paycheck or retirement check into your Premium Checking Account.
• You maintain a minimum daily balance of $500.
• You maintain an aggregate savings balance of $5,000 or more in any of your Golden 1 savings accounts, under the same membership as your Premium Checking Account during the statement period at the time the monthly maintenance fee is assessed.
• You are enrolled in our Golden Prestige program for members age 62 and older.

Premium Checking accounts earn dividends on balances of $1,000 or more beginning with a dividend rate and annual percentage yield (APY) of 0.05%, with higher APY/dividend rates available to accounts with greater balances. While the dividend rates are competitive, they may not be as high as those offered by specialized savings accounts or term certificates.

Premium Checking accounts require a minimum deposit of $25 to open. To earn dividends, you must maintain a daily minimum balance of $1,000. 

A Premium Checking Account from Golden 1 offers dividend earning opportunities on your checking balance without any restrictions on withdrawals or deposits. It also includes free access to over 30,000 ATMs nationwide and comprehensive digital banking services for convenient, flexible account management.