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

¹To 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.

Accounts with owners ages 16-17 without adults will not have access to external transfer service and Bill Pay.

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

³Online Bill Payment is only available for members 18 or older. Zelle^® is only available for members 13 or older. There is no fee to use Zelle^® in the Golden 1 Mobile Banking app and Online Banking. However, other fees may be assessed based on usage. Message and data rates may apply. Check with your mobile provider. Other fees such as, but not limited to, Golden 1 Courtesy Pay or Overdraft Protection fees may apply, if enrolled in those or other available programs.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

⁴Official rules for $50 deposit match.

Promotion Period: The Youth Savings or Student Checking account must be opened November 1, 2026 to December 31, 2026. Eligible participants have until December 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 Youth Savings account or Student Checking account and complete at least one qualifying deposit of $50 or more into that account by December 31, 2026. 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 January 31, 2027. 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.