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 in Your Mobile Banking App
The “Cards” features in the Mobile Banking app provide 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.
Take Steps to Send Money Safely with Zelle®
Zelle® is fast and easy – however, its speed can contribute to risk of errors or falling for a scam. The payment is sent directly from your Golden 1 account to another person’s bank account and cannot be canceled once received. Neither Golden 1 nor Zelle® offers a protection program for authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
Therefore, Zelle® should only be used to send money to friends, family, and others you trust.
To maximize your safety using Zelle®, remember “Know – Verify – Be Aware.”
- Know: Use Zelle® to pay people you know and trust. If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®.
- Verify: Make sure your recipient’s name, U.S. mobile number and email address are correct before you click Send.
To avoid mistakes when sending money to someone new, first send a small amount, like $1, and ask the recipient to confirm they received it before sending a larger amount.
- Be Aware: If a payment situation feels unusual, it probably is. Trust your intuition and investigate.
For purchases and payments to people you don't know, consider payment methods with fraud safeguards, such as many credit and debit cards.
*Message and data rates may apply. Check with your mobile provider.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
All third-party companies, products and service names used are for identification purposes only. All service marks, trademarks and registered trademarks are the property of their respective owners.