1Early deposit of funds is not guaranteed and is dependent on the timing of funding by the payer.
2Must be 18 years of age or older. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 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.
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.
Easy Checking
The perfect account if you’re new to banking or haven’t had a checking account for some time. Keep your money secure and manage it with confidence – anytime, any day. This safe and affordable account is Bank On certified.*
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.
MarketRate CheckingSM
If you regularly keep a high balance in your checking account, MarketRate Checking was designed with you in mind. It pays you more and allows easy access to your money whenever you need it.
*The $15 monthly maintenance fee is waived if you: maintain a minimum daily balance of $10,000 or more, OR are enrolled in Golden Prestige℠. Fees could reduce earnings.
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.
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 |
| Connect a savings account for overdraft protection |
| Apply online for Easy 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 |
| 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 each month 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 |
| No monthly maintenance fee |
| Two boxes of custom image checks free per year |
| Up to ten [10] free cashier's checks per account per month |
| Domestic money wire transfer service |
| Notary service |
| Apply Online |
