Golden 1 Credit Union Premium Checking Account
in Checking Accounts from The Golden 1 Credit Union
UnaffiliatedGolden 1 Credit Union Premium Checking Account
in Checking Accounts from The Golden 1 Credit Union
Would you recommend Golden 1 Credit Union Premium Checking Account to your friends?
| Community Rating |
Rating not yet determined |
| 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.
- Low APY. The maximum annual percentage yield for this account is only 0.2%, and you must keep a minimum balance of $1000.
- 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.
- Large minimum initial deposit. You need a minimum deposit of $100 to open an account. This is a relatively large minimum initial deposit when compared to the other accounts that 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.
| Pros | Cons |
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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.
| 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.
| 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.
| Description | |
|---|---|
| Monthly Fee | $0 - $8 |
| Paper Statement Fee | $5 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | $2 |
| NSF Fee | $29.50 |
| Overdraft Protection Fee (per transfer) | $0 |
| Overdraft Item Fee | $29.50 |
| Early Account Closure | $0 |
| Returned Deposit Fee (Domestic) | $15 |
| Debit Card Replacement Fee | $0 |
| Bank Teller Fee | N/A |
| Check Cashing Fee | N/A |
| Online Bill Pay Fee | $0 |
| Stop Payment Fee | $25 |
| Check Image Service | N/A |
| Check Copy | $3 |
| Foreign Transaction Fee (Debit Card) | 1% |
| Wire Transfer Fee - Domestic (Outgoing) | $25 |
| Wire Transfer Fee - International (Outgoing) | $40 |
| Wire Transfer Fee - International (Incoming) | $0 |
| Returned Deposit Fee (International) | $20 |
| Wire Transfer Fee - Domestic (Incoming) | $0 |
| ATM Reimbursement Monthly Limit | N/A |
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.
Contact
- Headquarters
-
8945 Cal Center Dr
Sacramento, CA 95826 - (916) 732-2900
- Visit Site
Other Services by The Golden 1 Credit Union
Availability
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 |
Golden 1 Credit Union Premium Checking Account Community Reviews
Would you recommend Golden 1 Credit Union Premium Checking Account to your friends?
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