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  Golden 1 Credit Union Premium Checking Account

Golden 1 Credit Union Premium Checking Account

in Checking Accounts from The Golden 1 Credit Union · Member ncua

Unaffiliated

Golden 1 Credit Union Premium Checking Account

Unaffiliated

in Checking Accounts from The Golden 1 Credit Union · Member NCUSIF

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Highlights
Community Rating

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Monthly Fee $0 - $8
ATM Fee: Out-of-Network $2
Minimum Balance to Avoid Monthly Fee $500
APY (Annual Percentage Yield) 0.05% - 0.2%

Golden 1 Credit Union Premium Checking Account Review

Golden 1 Credit Union Premium Checking Account is offered by The Golden 1 Credit Union, a credit union founded in 1990 and based in Sacramento, CA. Golden 1 Credit Union Premium Checking Account is available in 1 state across the USA.

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.2%.
  • Charges a monthly fee. This account charges a monthly maintenance fee of up to $8, but the fee is waived if you keep a minimum balance of $500.
  • $100 minimum deposit. This account requires a higher minimum initial deposit than most of the accounts we track.
  • Free bill pay. Pay your bills to practically anyone in the United States through The Golden 1 Credit Union.
  • Hard credit pull. The Golden 1 Credit Union may require a hard pull on your credit report to open a checking account.
Golden 1 Credit Union Premium Checking Account Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Deposits are insured by the NCUA (up to $250K).
  • Access to physical branches.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.
Golden 1 Credit Union Premium Checking Account FAQ

Are checking accounts from The Golden 1 Credit Union federally insured?

Yes, your The Golden 1 Credit Union checking accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does Golden 1 Credit Union Premium Checking Account offer?

Golden 1 Credit Union Premium Checking Account offers an APY starting at 0.05% and ranging up to 0.2% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $1000.

Golden 1 Credit Union Premium Checking Account Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) 0.05% - 0.2%

What are the account minimums for Golden 1 Credit Union Premium Checking Account?

Golden 1 Credit Union Premium Checking Account requires a minimum initial deposit of $100 to open an account.

Golden 1 Credit Union Premium Checking Account Account Minimums
Description Amount
Minimum Initial Deposit $100
APY Minimum Balance $1,000
Minimum Combined Balance to Avoid Monthly Fee $5,000
Minimum Balance to Avoid Monthly Fee $500

What fees does Golden 1 Credit Union Premium Checking Account charge?

This account charges a monthly maintenance fee of up to $8.

Golden 1 Credit Union Premium Checking Account Fees
Description
ATM Fee: In-Network $0
Check Copy $3
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0 - $8
NSF Fee $29.50
Online Bill Pay Fee $0
Overdraft Item Fee $29.50
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $20
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $40
ATM Fee: Out-of-Network $2

What features and perks does Golden 1 Credit Union Premium Checking Account offer?

This account includes the following features:

  • Fraud monitoring - Golden 1 Credit Union Premium Checking Account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Golden 1 Credit Union Premium Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 10:00am - 5:00pm
  • Tuesday 10:00am - 5:00pm
  • Wednesday 10:00am - 5:00pm
  • Thursday 10:00am - 5:00pm
  • Friday 10:00am - 5:00pm
  • Saturday 10:00am - 2:00pm

Other Services by The Golden 1 Credit Union

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

APY Minimum Balance $1,000
Minimum Combined Balance to Avoid Monthly Fee $5,000
Minimum Initial Deposit $100
Minimum Balance to Avoid Monthly Fee $500
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
Check Copy $3
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0 - $8
NSF Fee $29.50
Overdraft Item Fee $29.50
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $20
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Outgoing) $40
ATM Fee: Out-of-Network $2
Bank Account Features
  • Bauer Financial A+/A Rating
  • Branch Access
  • Check Writing
  • Debit Card
  • Fraud Monitoring
  • Free Bill Pay
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • NCUA Member
APY (Annual Percentage Yield) 0.05% - 0.2%

Golden 1 Credit Union Premium Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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