Security Center

YOUR SECURITY IS OUR #1 PRIORITY.

We are committed to keeping our members’ accounts and personal information safe and secure. With identity theft and financial fraud on the rise, it’s more important than ever to be smart and proactive about protecting your money and information. In addition to taking security measures to safeguard your accounts, we also provide helpful tips, tools, and free resources. We have your back!

Golden 1 may contact members about possible suspicious activities on their accounts. As a reminder, we will never contact you and ask for your login credentials or confidential information such as account numbers, social security numbers, or One Time Passcodes.

HOW WE PROTECT YOU:
EXPERTISE AND ALWAYS-ON TECHNOLOGY.

Fraud Monitoring
We help keep your money safe by monitoring your checking, savings, and credit card accounts 24/7 and contacting you immediately by email, text, or phone call if we detect unusual activity. We may send you an access code to confirm your identity, prevent certain types of transactions, or restrict account access until we have further proof of identity.

Secure Browsing
Golden 1 uses secure sockets layer (SSL) and transport layer security (TLS) technology to encrypt online data. The Extended Validation (EV) certificate shows you're visiting our valid, secure website, as opposed to a fraudulent lookalike site. You can confirm the EV certificate by clicking the “lock” icon in the web address.
Image of a browser address bar showing an EV lock icon and URL "https://www.golden1.com"

Device Verification
When your account is accessed by a computer or mobile device that our system doesn’t recognize, we’ll ask additional security questions to confirm your identity.

Federal Share Insurance
Member share accounts, such as savings, checking, and term saving certificates, are federally insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), which is administered by the National Credit Union Administration (NCUA). The fund is backed by the full faith and credit of the U.S. government. For more information, visit ncua.gov .

Data Privacy
We're committed to keeping your private information secure. We have physical, electronic, and procedural safeguards in place that comply with strict state and federal regulations.

Zero Liability Fraud Protection

Debit and credit card holders have zero liability for fraudulent charges when promptly reported, through our partnership with Visa^®. If your Golden 1 Credit, Debit, or ATM card has been lost or stolen, please call 1-877-465-3361 immediately to report it and request a new card. If charges are made after your card has been stolen, please call 1-877-GOLDEN 1 to learn how to file a claim. (See your card agreement for more details.)

Self-Service Transaction Dispute

The online/mobile banking self-service option allows you to dispute transactions made with your credit, debit or ATM card.

PROTECT YOURSELF.

Monitor Your Accounts and Use Alerts
Access your account via Online Banking or download our mobile app to regularly monitor your accounts. Take advantage of our card and account alerts to stay informed and a step ahead of potential fraud. Alerts can be delivered to you via email, text message*, and/or push notification to your mobile device.

Lock and Unlock Your Golden 1 Card with Card Controls
Our Card Controls app provides easy and secure access to your Golden 1 Visa^® Debit and Credit cards anywhere, anytime. Suspend your card if you’ve misplaced it and reactivate it when it turns up, get fraud and other alerts, set up travel notifications, activate your card, report a lost or stolen card, and more.

Use Your Debit and Credit Card Safely
Golden 1’s contactless and chip-enhanced cards leverage technology that meets international standards known as EMV. The chip holds encrypted information, adding a layer of protection.

Use one of the following methods to complete a transaction with enhanced security.

Tap to pay with cards that have this symbol on the front or back of the card indicating contactless technology.

Insert your chip card into the payment terminal.

Use Mobile Payment Technology
Add your Golden 1 debit or credit card to mobile payment apps and wallets that use tokenization – like Apple Pay^®, Google Pay™ or Samsung Pay™. This adds a layer of protection from fraud.

Refrain from Sharing Your Username and Password
Sharing your login credentials for your mobile and online banking accounts is risky. You are giving another person full access to your account.

Update Your Password Regularly
You will want to remember to update passwords on your personal accounts at least every 6 months. When updating passwords, select one that is easy only for you to remember, and use a variety of characters including text, numbers, and symbols. Also, use different passwords across various websites to reduce your exposure should your password become compromised.

Use Enhanced Security with Identity Theft Protection
In addition to Zero Liability Fraud Protection, all of our credit cards include free enrollment in ID Navigator Powered by NortonLifeLock. It sends you alerts of potential threats to your identity so you can act quickly. The dark web is continuously patrolled for information that may belong to you, and you're notified if it's found.

Review Your Credit Report
Reviewing your credit report at least once per year will help ensure that what is being reported is actually yours and that it is being reported correctly. Visit annualcreditreport.com to pull your credit report from all three (3) credit bureaus today.

Golden 1 also provides Credit Sense, a free service available in Mobile and Online Banking. See your credit score anytime, access your full credit report, and receive monthly updates. Credit Sense will also send you an immediate alert when there is a change to your credit rating.

Stay Safe, Go Paperless
Going paperless – and accessing your account statements online – reduces the chance that your account information will be inadvertently delivered to the incorrect address or stolen during mail processing and delivery. Sign up for paperless statements by logging in to Online Banking.

Download Apps Only From Trusted Sources
Only download apps for your device on trusted sources such as the Apple App Store and Google Play. This will protect you against fake and malicious apps that may target your data.

Install Software to Find and Remotely Wipe Your Mobile Phone
In case your mobile device is lost or stolen, you can remotely wipe your data to prevent unauthorized access. Install and configure an app that will let you remotely locate and wipe your phone (for example, "Find My iPhone" or "Find My Android").

Stay Informed About Scams
Subscribe to the Federal Trade Commission (FTC) Scam Alerts to receive an email about what to watch out for when a new scam is becoming widespread.

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

MORE TIPS TO ENHANCE YOUR SECURITY.

The stronger the password, the stronger your security.

While it is recommended you create a password that’s a mix of letters, numbers, and symbols, we also recommend avoiding any numbers that pertain to you directly, such as your birth date or social security number.

Use a phrase with a combination of words, such as the lyrics of your favorite song, to make a longer password easier to remember.

Don’t use the same password for multiple accounts or different sites.

Make a password that’s easy for you to remember, but hard for scammers to guess.
Don’t share your device.

Sign out of the Golden 1 mobile app when you’re done.

Never store passwords on unsecure apps such as note-taking apps.

Update your apps when prompted.

Avoid downloading apps that modify the mobile device operating system.

If you lose your mobile device, change your Golden 1 password as soon as possible.
Generally, public Wi-Fi is available to everyone as an unsecured network, which means it’s not secured by a password or any other firewalls. Use it as little as possible and do not log into your financial accounts.

You can avoid the issue by using mobile data when away from your trusted network. For example, setting up your phone as a hot spot allows your computer or other device to connect to your mobile network. If you must use public wifi, improve your security by using a virtual private network (VPN) app. Find information about VPN apps on the Federal Trade Commission Consumer Advice website.
If there has been suspected fraud on your account, the person calling to verify the charge should never ask for your username and password over the phone. If you find the person is asking for this information, immediately hang up the phone and report the phone number to the Federal Trade Commission (FTC).

It's also suspicious if the person calling says you must take immediate action. Scammers often use urgency to pressure their victims.

You can take steps to determine whether it's a legitimate call. Hang up and call the institution directly, or use Mobile or Online Banking to check your account.
You might receive emails that say they’re from your financial institution, but in reality, they’re phishing emails.

Make sure you know who sent the email before you open an attachment or click any links. Here are steps you can take:
- Watch out for email subject lines or emails with a generic message like "check this out" or "thought you'd be interested in this."
- Look for misspellings that may be prevalent throughout the message.
- If the email is asking for you to verify personal information, do not do anything else except delete the email.
If you’re unsure, call your financial institution and verify the legitimacy of the email. Take the time to check even if the email claims to be time-sensitive, such as "immediate action is needed or your bill will not be paid on time."
Avoid unusual-looking ATMs.

When using an ATM, stand directly in front of the ATM and cover your hand when you type in your PIN.

If you notice that the card slot, pin pad, or any part of the ATM seems to have been tampered with or altered, do not use the ATM.

Notify the ATM owner if your card has been captured and not returned.

If you are at a Golden 1 ATM and the card is not returned, enter the branch or call our Member Service Contact Center at 1-877-Golden 1 (1-877-465-3361).
If your Golden 1 Credit, Debit, or ATM card has been lost or stolen, please call 1-877-465-3361 as soon as possible to report it and request a new card. Our toll-free number is available 24 hours a day, 7 days a week. You should receive your new card within 5 business days. If charges are made after your card has been stolen, please call our Member Service Contact Center at 1-877-GOLDEN 1 (1-877-465-3361) and we'll tell you how to file a claim.

What protection do I have against unauthorized transactions?

Unauthorized Transactions
Under federal law, Regulation E (Electronic Fund Transfer Act) establishes limitations on a consumer’s liability for unauthorized account activity. Regulation E covers transfers of funds from consumer checking or savings accounts through electronic methods such as debit card purchases, ATM withdrawals, transfers initiated by phone, direct deposits, and automated clearing house (ACH) transactions. Unauthorized transactions must be reported promptly. See your Disclosure of Account Information for more details.

Zero Liability Fraud Protection
Golden 1 debit and credit cards come with Zero Liability Protection against unauthorized transactions if the cardholder reports them promptly. Certain conditions and limitations can apply, including if the cardholder was negligent in handling the account or engaged in fraud. See your Disclosure of Account Information or credit card agreement for details.

IF YOU BECOME A VICTIM OF FRAUD OR IDENTITY THEFT.

CARD FRAUD:

Contact Our Member Service Contact Center Immediately
Golden 1 cardholders have zero liability for fraudulent charges when promptly reported. If your Golden 1 Credit, Debit, or ATM card has been lost or stolen, please call 1-877-465-3361 as soon as possible to report it and request a new card. Our toll-free number is available 24 hours a day, 7 days a week. You should receive your new card within 5 business days. If charges are made after your card has been stolen, please call our Member Service Contact Center at 1-877-GOLDEN 1 (1-877-465-3361) and we'll tell you how to file a claim. (See your card agreement for more details.)

Call the Merchant(s) Where the Fraud Occurred
Ask them to refuse additional purchases on your account.

Place an Initial Fraud Alert on Your Credit Report

This will prevent any new credit from being issued without your authorization. There is no fee for you to place this fraud alert. If indeed you are a victim of identity theft, this fraud alert will stay on your credit for seven (7) years. If it is a preliminary fraud alert and you are not a victim, the fraud alert will only stay on your credit report for 90 days.

Order Your Credit Report
Thoroughly and immediately review all of the current trade lines and your credit history to make sure everything is reported correctly. Visit annualcreditreport.com to pull your credit report from all three (3) credit bureaus.

Golden 1 also provides Credit Sense, a free service available in Mobile and Online Banking. See your credit score anytime, access your full credit report, and receive monthly updates. Credit Sense will also send you an immediate alert when there is a change, so you can protect your credit and identity.

IDENTITY THEFT:

Create an Identity Theft Report with the Federal Trade Commission (FTC)
If you are a victim of identity theft, filing an identity theft report is the only way to make sure you aren’t liable for any of the expenses charged.

File a Police Report
In order to complete the identity theft report, you will need a police report—regardless of the amount that has been stolen.

Consider Enrolling in a Credit Monitoring Service
A good credit monitoring service alerts you to activity on your credit, including when new accounts are opened or if your information is changed. Credit monitoring is a great preventive step to stop identity and account takeover fraud or at least reduce its impact.

Golden 1 Identity Theft Victim Kit

Member Security Resource Center

YOUR SECURITY IS OUR #1 PRIORITY.

HOW WE PROTECT YOU:
EXPERTISE AND ALWAYS-ON TECHNOLOGY.

PROTECT YOURSELF.

MORE TIPS TO ENHANCE YOUR SECURITY.

IF YOU BECOME A VICTIM OF FRAUD OR IDENTITY THEFT.

SECURITY, FRAUD PROTECTION, AND IDENTITY THEFT RESOURCES.

Member Security Resource Center

YOUR SECURITY IS OUR #1 PRIORITY.

HOW WE PROTECT YOU: EXPERTISE AND ALWAYS-ON TECHNOLOGY.

PROTECT YOURSELF.

MORE TIPS TO ENHANCE YOUR SECURITY.

IF YOU BECOME A VICTIM OF FRAUD OR IDENTITY THEFT.

SECURITY, FRAUD PROTECTION, AND IDENTITY THEFT RESOURCES.

HOW WE PROTECT YOU:
EXPERTISE AND ALWAYS-ON TECHNOLOGY.