Golden 1 CU Premium Checking Account
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| Community Rating |
Rating not yet determined |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) | 0.05% - 0.12% |
| Monthly Fee | $0 - $8 |
| Minimum Balance to Avoid Monthly Fee | Starting at $500 |
Golden 1 CU Premium Checking Account Review
Golden 1 CU Premium Checking Account is offered by The Golden 1 Credit Union, a credit union founded in 1990 and based in Sacramento, CA. Golden 1 CU Premium Checking Account is available in 1 state across the USA.
Key Takeaways
- Higher than average APY. Golden 1 CU Premium Checking Account has an annual percentage yield of up to 0.12%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $1000.
- Charges a monthly fee. This account charges a monthly service fee of up to $8, but the fee is waived if you keep a minimum balance of $500.
- Bill pay. Pay your bills to practically anyone in the United States through The Golden 1 Credit Union.
Golden 1 checking account Pros & Cons
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Golden 1 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 share owner for each account ownership category. 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 checking account offer?
Golden 1 checking account offers an APY starting at 0.05% and ranging up to 0.12% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep an average beginning day balance of at least $1000.
| Rates | Amount |
|---|---|
| APY (Annual Percentage Yield) | 0.05% - 0.12% |
What are the account minimums for Golden 1 checking account?
Golden 1 checking account requires a minimum initial deposit of $25 to open an account.
| Description | |
|---|---|
| Minimum Opening Deposit | Starting at $25 |
| Minimum Balance to Avoid Monthly Fee | Starting at $500 |
| Minimum Combined Balance to Avoid Monthly Fee | $5,000 |
| Minimum Balance to Earn APY | $1,000 |
What fees does Golden 1 checking account charge?
This account charges a monthly service fee of up to $8.
| Description | |
|---|---|
| Monthly Fee | $0 - $8 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | Starting at $2 |
| Foreign Transaction Fee (Debit Card) | 1.4% |
| NSF Fee | $29.50 |
| Overdraft Item Fee | $29.50 |
| Overdraft Protection Fee (per transfer) | $0 |
| Returned Deposit Fee (Domestic) | $12 |
| Returned Deposit Fee (International) | $12 |
| 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 |
| Paper Statement Fee | $5 |
| Online Bill Pay Fee | $0 |
| Check Copy | $3 |
| Check Cashing Fee | $10 |
| Debit Card Replacement Fee | $0 |
| Early Account Closure | $0 |
Does Golden 1 checking account charge overdraft fees?
Yes, Golden 1 checking account charges a $29.50 fee for every overdraft.What features and perks does Golden 1 checking account offer?
This account includes the following features:
- Fraud monitoring - Golden 1 checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Golden 1 checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
What is the customer support email for Golden 1 checking account?
The customer support email for Golden 1 checking account is mbrsvc@golden1.com.
How do people rate the customer service and user experience of Golden 1 checking account?
Overall, Golden 1 checking account is mostly recommended based on community reviews that rate customer service and user experience.
Message From The Golden 1 Credit Union
Contact
- Headquarters
-
8945 Cal Center Dr
Sacramento, CA 95826 USA - (916) 732-2900
- Visit Site
- Email Support
Other Services by The Golden 1 Credit Union
Availability
Feature Breakdown
| Minimum Opening Deposit | Starting at $25 |
| Minimum Balance to Avoid Monthly Fee | Starting at $500 |
| Minimum Combined Balance to Avoid Monthly Fee | $5,000 |
| Minimum Balance to Earn APY | $1,000 |
Golden 1 CU Premium Checking Account Community Reviews
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