CREDIT CARD HELP

You can access account balances and history for savings, checking, loans, credit cards, IRAs and certificate accounts.

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.

There are two types of transactions that appear in gray italics:

• Transactions that were posted to your account today display a running balance. These funds are reflected in your available balance and may be categorized or edited tomorrow.
• Transactions that are still pending display an asterisk (*) in the running balance. These funds are on hold and are reflected in your available balance. They may be categorized or edited once the transaction has posted to your account.

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.

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.

 

Online Banking makes paying your bills easy with our online Bill Payment service. You can receive and pay bills, schedule recurring payments and track your payment history. To get started, sign on to Online Banking, click on the Pay Bills tab. Complete a few easy steps and you're enrolled. Once you've enrolled, visit our Bill Payment page to learn how easy it can be to pay your bills online.


¹Online Bill Payment is only available to members 18 and older.

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.

 

You can access your account information via Online Banking by clicking on your credit card account link. You will have access to your current balance, transaction history, payment information and more. You can also enroll in Visa Online Statements to receive your account statements electronically. Once you enroll, you will begin to accumulate your statement history up to 18 months. You must be continuously enrolled to accumulate and view past statements.

 

If you’re planning a trip out of town and expect to use your Golden 1 Debit or credit card, let us know ahead of time. We can safeguard your account while you’re gone to help ensure your card isn’t fraudulently used – and alert you immediately if it is.

Inform us of your travels by:

• Setting Travel Plans in the Card Controls app
• Sending us a secure message in Online Banking or
• Calling our Member Service Contact Center at 1-877-GOLDEN 1 (1-877-465-3361)

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. 

 

Once you receive your Visa card in the mail, please call the number on the activation sticker (on the front of your card).

You can also sign on to Online Banking to activate your card. Within Online Banking, select your credit card under the "Overview" or "Accounts" tab. Your card can be activated by using the CVV code on the back of the card, expiration date, and ZIP code. Once the activation steps have been completed, your card is activated immediately and ready to use.

A balance transfer allows you to move balances from one credit card to a lower rate credit card to simplify your payments and save money on interest. You can transfer your high rate credit card balances to your Golden 1 credit card by signing into Online Banking, select your Golden 1 credit card account and "Credit Card" under Account Details then Menu, Manage Card and Balance Transfer. 



 

The Visa Online Statement Notice and Consent is available through Online Banking. Click on “Disclosures” in the footer of any page.

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.

 

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. 

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.

If you’re planning a trip out of town and expect to use your Golden 1 Debit or credit card, let us know ahead of time. We can safeguard your account while you’re gone to help ensure your card isn’t fraudulently used – and alert you immediately if it is.

Inform us of your travels by:

• Setting Travel Plans in the Card Controls app
• Sending us a secure message in Online Banking or
• Calling our Member Service Contact Center at 1-877-GOLDEN 1 (1-877-465-3361)

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.