CREDIT CARD HELP

Find answers to all things credit card.

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mobile banking

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How many months of credit card transactions can I view in Online or Mobile Banking?

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.

Why aren’t any credit card transactions displaying within Online and Mobile Banking?

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.

What types of accounts can I access through Mobile Banking?

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.

Is there a fee to accessing my credit score in Mobile or Online Banking?
No. There is no fee to access your credit score in Mobile or Online Banking.

 
How often is the credit score in Mobile and Online Banking updated?
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.

 
Can I deactivate the credit score feature in Mobile and Online Banking?
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.

 
Can I transfer balances in Golden 1 Mobile Banking?
Yes, internal transfers between Golden 1 accounts can be completed within Mobile Banking.
Can I manage my Golden 1 credit card with Mobile Banking?
Yes, you can view your credit card balance and make payments within the Golden 1 app.
How do I check my account balance with Text Banking?

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.

Will accessing my credit score through Online or Mobile Banking negatively impact my credit?
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.

 
What mobile and online services are available through Golden 1?
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. 

 
How can I make a payment to my Golden 1 credit card account?

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

How can I view the history on my accounts? Will I be able to see if a check has cleared?

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.

My replacement card has a new card number. What do I need to do?
To make sure your card is ready to go and your services are uninterrupted:

You can activate your card directly through Online or Mobile Banking by navigating to the new card within the Manage Cards or Cards sections, clicking on the Activate Card link, and following the prompts.
  • Or you can activate your card and set/reset a PIN by calling the number on the activation sticker.
  • Update any mobile wallets and Visa Secure Checkout with your new card information. 
  • Contact any merchants with whom you’ve set up recurring payments and update your card number. 
  • Update automatic payment transfers, travel alerts, and transaction alerts within Golden 1 Online/Mobile Banking.
  • Re-enroll the new card number in any electronic bills you have set up.



 
What if I want to dispute a charge on my Golden 1 credit card statement?

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.

How do I sign up for credit card transaction alerts?

By default, all alerts will be set to ON once you access your cards and card management features through Online or Mobile Banking by clicking/tapping Manage Cards or Cards respectively. To manage your alert settings:

Online Banking:

  1. Log in to Online Banking.
  2. Click Manage Cards.
  3. Click Controls & Alerts under Manage Card.
  4. Click Alerts and select the type of alert you want to send.

Mobile Banking:

  1. Log in to the Mobile Banking app.
  2. Tap Cards from the menu tray at the bottom.
  3. Tap Controls & Alerts under Manage Card.
  4. Click Alerts and select the type of alert you want to set.

Can I see my credit score on my mobile device?
Yes, your credit score will be visible in Mobile Banking as well as Online Banking.

 
How do I enroll in the credit score feature?
Enrolling to access your credit score is fast and easy. In your Online Banking portal simply click on the “Check your Score” button on the My Credit Score icon found in Mobile and Online Banking, answer a few questions to verify your identity, read and accept a disclosure and you’re all set.

 
Will Golden 1 use this credit score to make loan decisions?
No. The credit score you see in Mobile and Online Banking is for educational purposes only. We use a different lending criteria for making loan decisions.


 

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