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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 · ncua

Unaffiliated

Golden 1 Credit Union Premium Checking Account

Unaffiliated

in Checking Accounts from The Golden 1 Credit Union · Insured by NCUA

Net Recommendation Score 0

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

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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Highlights
Community Rating

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Monthly Fee $0 - $8
ATM Fee: Out-of-Network $2
Minimum Balance to Avoid Monthly Fee Starting at $500
APY (Annual Percentage Yield) 0.05% - 0.12%

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
  • Higher than average APY. Golden 1 Credit Union 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
Pros Cons
  • Dividend-yielding account
  • Insured by NCUA.
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not provide access to a nationwide ATM network.
  • 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 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.

Golden 1 checking account Rates and Terms
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.

Golden 1 Credit Union Premium Checking Account Minimums
Description
APY Minimum Balance $1,000
Minimum Combined Balance to Avoid Monthly Fee $5,000
Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $500

What fees does Golden 1 checking account charge?

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

Golden 1 Credit Union Premium Checking Account Fees
Description
ATM Fee: In-Network $0
Check Cashing Fee $10
Check Copy $3
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 1.4%
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) $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
ATM Fee: Out-of-Network $2

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Message From Golden 1 Credit Union Premium Checking Account

Our checking accounts offer convenient ways to access your money with low-to-no-fees. We know you work hard for your money. You deserve to save wherever you can, and we're here to help. We offer free checking as well as interest-earning checking accounts. We also have special accounts for seniors, and youth accounts designed to help teens and college students build independence and responsibility. In fact, Golden 1 was named 2020 Best Credit Union for Teens and College Students by NerdWallet.com. Explore our checking options.

Premium Checking, This dividend-earning account is ideal if you routinely keep a minimum daily balance of $1,000 or more in your checking account. This account maximizes your dividend-earning potential while providing convenient access to your funds, including unlimited withdrawals and deposits.

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 Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $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 Cashing Fee $10
Check Copy $3
Foreign Transaction Fee (Debit Card) 1.4%
Monthly Fee $0 - $8
NSF Fee $29.50
Overdraft Item Fee $29.50
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $12
Returned Deposit Fee (International) $12
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Outgoing) $40
ATM Fee: Out-of-Network $2
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Insured by NCUA
  • Branch Access
APY (Annual Percentage Yield) 0.05% - 0.12%

Golden 1 Credit Union Premium Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

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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