Member Security Resource Center

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.

Golden 1 doesn't collect biometric data (fingerprint, face ID), but this information may be stored on your device. Enabling this form of security when logging into important applications, like checking your Golden 1 account balance, will ensure your information is kept safe and prevent hackers from stealing your data.

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 can also report your card lost or stolen in Online or Mobile Banking.

Online Banking:

1. Log into Online Banking
2. Click Manage Cards.
3. Select the applicable card from the Switch or Add Card dropdown that you would like to report.
4. Click Report Lost or Stolen under Manage Card.
5. Select whether the card is lost or stolen and the Card lost date (if applicable).
6. Click Next and follow the prompts to complete the process.

Mobile Banking:

1. Log into the Mobile Banking app.
2. Tap Cards from the menu tray at the bottom.
3. Swipe to select the card that you would like to report.
4. Tap Report Lost or Stolen under Manage Card.
5. Select whether the card is lost or stolen and the Card lost date (if applicable).
6. Tap Next and follow the prompts to complete the process.

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.