CREDIT CARD HELP

The Account Activity page will display up to 2 years of transactions. To view transactions beyond this, please refer to your Credit Card Online Statements within the Statements and Documents.

By default, only transactions that have been made since your last statement will display. To display older transactions, you can either select the “Next Statement” button or select a specific statement period.

You can access the account balances and history for savings, checking, credit card, and some loan accounts. During the enrollment process, you will have the opportunity to see which accounts are available within Mobile Banking. However, mobile deposits can only be made to checking and savings accounts.

No. There is no fee to access your credit score in Mobile or Online Banking.

 

As long as you are a regular Online Banking user, your credit score will be updated every month and displayed in your Mobile and Online Banking portal. You can click “refresh score” as frequently as once a day to obtain a refreshed score.

 

Yes. You can deactivate the credit score feature by signing in to Online Banking, in the My Credit Score box, click on the "Show Full Report" button. Once in the credit score portal, click the Resources tab, in the Profile Settings box click the View Now button, scroll down to the bottom of the page and click on the Deactivate Credit Score Account button.

 

Yes, internal transfers between Golden 1 accounts can be completed within Mobile Banking.

Yes, you can view your credit card balance and make payments within the Golden 1 app.

After you've enrolled in Text Banking, simply text BAL to 41898 (G1TXT) and you'll get a text message back with the balance and nickname of your account(s) that are registered with Text Banking.

No. Accessing your credit score is a “soft inquiry”, which does not affect your credit.  Lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.

 

Stay connected with Golden 1 and your money easily and conveniently from home with these free*** services.

• Mobile and Online Banking are available for you 24/7. It's easy to sign up, and with our digital banking guarantee, it's safe and secure. Enroll now or learn more about our “bank at home” services. Here's what you can do at-a-glance:
  • Account inquiries and transfers
  • Loan and bill payments
  • Deposit checks (using the app)
  • Open a new account
  • Manage your debit card using our Mobile app*** . You can instantly turn your debit card on and off.
  • Apply for a new loan or credit card, and so much more.
• Golden1.com – Our newly designed website is easily accessible online and from your smart phone and has a wealth of information at your fingertips, including a handy search feature to find what you need quickly and easily.
• Email your questions to golden1.com, or for account specific inquiries, securely through your online account. We will respond within 24 hours.
• Use our automated phone system to easily make loan payments at 1-877-GOLDEN 1 (1-877-465-3361).

***Message and data rates may apply. Check with your mobile provider. 

 

With Online Banking, you can easily access your savings, checking, credit card, and loan accounts, as well as view current or past account statements. You can even view your certificate and IRA accounts. To view images of checks that have posted to your account, visit the Account Activity page, then click the check icon next to your transaction.

We also offer Mobile Banking which lets you access your account history and activity from your mobile device. To view check images within Mobile Banking, tap on your checking account, then tap the transaction.

For step-by-step instructions, watch our Online and Mobile Banking demos.

You can transfer the payments from another Golden 1 account to your credit card account through Mobile or Online Banking. Scheduled transfers will process at 1:00 p.m. (Pacific time) on the selected date. Once the transfer has processed, payments will affect your credit card’s available balance immediately, and there is no cost for this service. You can also mail your payment to:

Golden 1 Credit Union
PO Box 15318
Sacramento, CA 95851-0318

For additional payment options call us at 1-877-GOLDEN 1 (1-877-465-3361), visit your local branch or send us an email. 

https://www.golden1.com/manage-accounts/mobile-banking#g-863a0373-9638-4872-a104-190d28521a9e

POS withdrawal account alerts are now part of withdrawal account alerts. If you wish to be alerted when your Debit card is used, you can receive Debit card alerts instead. These Debit card alerts are sent immediately when the transaction is authorized, rather than after the transaction posts to your account.

To sign up for Debit card transaction alerts using Online Banking:
 

1.     Sign on to Online Banking, then click Settings in the top right corner.
2.     Click Security Center
3.     Select Card Controls and Alerts from the menu
4.     Register your debit card if you haven't done so already, or select if you would like to receive them via email and/or text message.

To sign up for Debit card transaction alerts using the Golden 1 Mobile app:
 

1. Sign on to the Mobile Banking app
2. Under Quick Links, Tap Manage Cards and Card Alerts or tap the Menu icon and tap Manage Cards and Card Alerts from the menu
3. You will be directed to either download our Card Controls app if you haven't already or to the homepage of the Card Controls app.
4. Proceed to either register your debit card or click on the Alert Preferences tab to select what types of alerts you would like to receive and if you would like to receive them via email and/or text message. 

You can suspend or set controls for your debit and credit card within Online Banking, Mobile Banking or directly through the Card Controls app.

In Online Banking:

1. Sign on to Online Banking
2. Click on Settings in the upper right corner
3. Click Security and Alerts and select Card Controls and Alerts from the menu.

If you have not added your card, you will be prompted to add your card before being able to proceed.

If you have already added your card you can Suspend the card by clicking on the Toggle next to Card On/Off displayed under the picture of the card. You can set controls for the card by clicking on the Control Preferences tab.

In Mobile Banking:  

1. Sign on to the Mobile Banking app
2. Under Quick Links, Tap Manage Cards and Card Alerts or tap the Menu icon and tap Manage Cards and Card Alerts from the menu

 
You will be directed to download our Card Controls app. Once you have downloaded the app you will be able to register your card. Register your card on the app
then Tap Lock Card to instantly suspend your card. All transactions except for recurring payments will be denied until you unlock your card again.


 

We offer three options for disputing a charge on your credit card statement:

1. File a claim at any time within your online banking portal or the mobile banking app.
    
   • Online banking: From the home page, click on the account for which you would like to submit a fraud claim. Once on the Account Details page, click “More actions” and select “Dispute a Transaction.” 
      
   • Mobile banking: From the home screen, tap on the account for which you would like to submit a fraud claim. Once on the Account Details screen, tap on the three dots icon at the top right corner and select “Dispute a Transaction.”
      
2. Call our Member Service Contact Center at 1-877-465-3361 to file a claim between the hours of 7:30 am and 6:00 pm Monday – Friday or 9:00 am and 5:00 pm Saturday – Sunday. Please note that our after-hours representatives are not able to file claims. If you call outside the regular call centers hours, you will be encouraged to use the online self-service option for the immediate assistance.
    
3. File a claim in person at any Golden 1 branch during operating hours.

You will need to complete a few steps to ensure uninterrupted use and alerts:

•    Activate your card and set/reset a PIN by calling the number on the activation sticker (1-888-999-0126). 

•    Update your mobile wallets and Visa Secure Checkout with your new card information. 

•    Contact merchants with whom you’ve set up recurring payments and update your card number. 

•    Update automatic payment transfers within Online/Mobile Banking. 
 
•    Update your Card Controls app by: 
Resetting transaction alerts (click “Alerts and Controls” then choose Alerts to select your transaction types). 

Re-establishing travel alerts within the app (click “Travel Plan” and submit dates/locations).

If you don’t yet have the Card Controls app, you can download it on the Apple App Store®   or Google Play StoreTM. 

•    Your new card may automatically be enrolled in two-way fraud alerts. If you do not wish to receive fraud alerts, you can opt out by texting “STOP” to 21556. 

•    Reenroll the new card number in ebills. 



 

41952:    Used to request and receive account information and text alerts. For more information visit our Text Banking page.

66368:    Receive Visa alerts for credit and debit transactions.

36397:    Receive one-time pass codes for online and mobile banking.

78156:    Used for one-time passcode for Card Controls.

37268:    Two-way fraud alert for debit and credit cards. Used to receive and respond to suspected incidents of debit card or credit card fraud.



If you believe that you've been a victim of fraud, please contact our Member Service Contact Center immediately at 1-877-GOLDEN 1 (1-877-465-3361).

 

You can find previous alerts through the email or text communications sent to you previously or you can view alerts using the Golden 1 Mobile app:

Log in to your account. To view account alerts tap on Manage Account Alerts under Quick Links on the app home screen.Then tap Alert History. 

To view card alerts, tap Manage Card and Card Alerts under Quick Links in the app home screen to be directed to the Card Controls app.