Free Checking
Free Checking is a great option for people who want a basic account with no monthly maintenance fees. This account does not earn dividends.
*Wireless carrier text or data fees may apply.
**Must be 18 years of age or older.
All third-party companies, products, and service names are for identification purposes only. All service marks, trademarks, and registered trademarks are the property of their respective owners.
Premium CheckingSM
A smart choice, especially if you have direct deposit. Premium Checking pays you dividends each month with a minimum daily balance of $1,000.
Freedom CheckingSM
Golden 1 Freedom CheckingSM is a free account that can help students ages 16 and 17 manage their money independently. To be eligible for this free account, students must maintain a B grade average or higher. Once the teen turns 18, the account converts to a Free Checking account. This account does not earn dividends.
* Wireless carrier text or data fees may apply.
All third-party companies, products, and service names are for identification purposes only. All service marks, trademarks, and registered trademarks are the property of their respective owners.
Student Checking
Start your life-long financial journey with a Student Checking account. This affordable, Bank On certified* account helps you easily track your money – so you can stay focused on your academic goals.
Applicants under age 16 must have a parent or legal guardian as a joint account owner. Applicants ages 16 and 17 may open a Student Checking account in the branch without a joint owner.2
*The Cities for Financial Empowerment Fund’s national Bank On platform supports local coalition and financial institution efforts to connect consumers to safe, affordable bank accounts. Bank On certified accounts are not eligible for Courtesy Pay.
**To be eligible for this account, you must be a student between the ages of 13 and 24. When you turn 25, your Student Checking account will convert automatically to a Free Checking account. Applicants under age 16 must have a parent or legal guardian as a joint owner. Individual applicants ages 16 and 17 and all applicants over 18 must affirm attendance at a high school, college, university, or trade school. This account does not earn dividends.
2Accounts with owners ages 16-17 without adults will not have access to Zelle, external transfer service, and Bill Pay.
Compare Checking Accounts
| No minimum deposit required to open account* |
| No monthly maintenance fee |
| Mobile, Online, and Text Banking services* |
| Mobile Deposit |
| Free first box of Golden 1 Custom Image 40-pack checks |
| Debit Card (subject to approval) with fraud protection |
| Free access to over 30,000 Golden 1 and CO-OP Network ATMs |
| Golden PrestigeSM Package Add-on (for members 62 or older) |
| Apply Online |
| No minimum deposit required to open account* |
| No monthly maintenance or overdraft fees |
| Apply online for Easy Checking |
| With balances of $10,000 or more, you’ll earn higher dividends and we’ll waive the monthly maintenance fee* |
| Minimum $25 opening deposit |
| Earns dividends with a minimum daily balance of $1,000 |
| Apply online for MarketRate Checking |
| Monthly maintenance fee is waived with direct deposit or minimum daily balance of $500* |
| Minimum $25 opening deposit |
| Apply online for Premium Checking |
| For students between the ages of 13 and 24** |
| No minimum deposit and no monthly maintenance fee |
| Free personalized financial education for each stage of your life |
| Card management features let you set alerts and transaction limits, turn your card on and off, and add cards to your mobile wallet |
| Apply online for Student Checking |
*You must keep a minimum of $1 in a Regular Savings account to maintain membership. See Fee Schedule for more information.
All checking accounts include:
Golden 1 Debit Card Makes Your Life Easier!
Concerned about fraud? Golden 1 Debit card is chip-enabled and contactless, making purchases fast, easy, and more secure. For ultimate convenience, download the card into your mobile wallet to pay with your smart phone!
Enable transaction controls and alerts to receive push notifications1 when your card is used to make a purchase. And if there is unauthorized activity on your card, you’re covered with Zero Liability Protection2.
A Golden 1 Debit Card3 comes with your checking account, along with access to 30,000 fee free ATMs nationwide! These are just some of the many benefits of being a Golden 1 member!
Questions about contactless cards? See our FAQs
1Message and data rates may apply. Check with your mobile provider.
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 consumer liability for unauthorized transactions, please refer to your Golden 1 Disclosure of Account Information. Visit our Golden 1 Identity Theft and Fraud website for additional information.
3Subject to approval.
Ordering Checks
Whether you're re-ordering, changing your address, or choosing your first batch of checks, you can use any of these three ways to order. Select from a wide range of check styles. What works best for you?
- Online through Online Banking:
- Sign on to your Online Banking account
- Click on your Checking account
- On the Account Details page, click on More Actions
- Select Order Checks
- At your local branch
- By phone: 1-877-465-3361
That's it! You should receive your checks within two weeks.
