Small Business Banking that Focuses on You

Checking and savings for small business individuals.

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We’re already your trusted partner for your personal banking needs. You also have the opportunity to grow your business with Golden 1's accounts for sole proprietorships!

It’s a great way to keep your personal and business finances separate while enjoying easy, low-to-no cost banking services including free mobile and online banking.

These might be a perfect fit for you if you're a sole proprietor who pays business taxes under your social security number – instead of an Employer Identification Number (EIN) – whether you're a:

  • Freelancer
  • Gig worker
  • Independent Contractor
  • SOHO - Small Office/Home Office 
  • Microentrepreneur
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  • $100 minimum deposit required to open account
  • Free Checking when conditions are met1
  • Visa® Debit Card with fraud protection2
  • Free Mobile, Online, and Text Banking3
  • Mobile Deposit and Mobile Wallet
  • Up to 50 checks cleared per month fee-free4
  • Free access to over 30,000 Golden 1 and CO-OP Network ATMs


  • $1 minimum deposit required to open account
  • No monthly maintenance fee
  • Low $0.01 daily balance required to obtain Annual Percentage Yield (APY)5
  • Unlimited ATM transactions6

1$8 monthly fee waived with enrollment in eStatements only statement delivery and a minimum average daily balance of $1,000 in this account during the statement period.

2Golden 1 provides Zero Liability Protection for unauthorized transactions on your card. To be covered the cardholder must safeguard their account information and notify Golden 1 promptly of any unauthorized transactions. Certain conditions and limitations can apply. For more information about liability for unauthorized transactions, please refer to your Golden 1 Disclosure of Account Information - Sole Proprietor Accounts. Visit our Golden 1 Identity Theft and Fraud page for additional information.

3Wireless carrier text or data fees may apply.

4First 50 checks cleared per month are free, then $0.20 per check fee will apply.

5Please see our Fee Schedule for current transaction fees for out-of-network ATMs.


Open Your Accounts and Meet Your Local Branch Representatives

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