Golden 1 Credit Union offers five checking accounts. There’s the Free Checking account (the product evaluated for this review), Premium Checking, New Generation Checking, Freedom Checking and Student Checking. Golden 1 scores highly for access to the vast network of CO-OP ATMs. While there’s no minimum balance required, a $30 per item overdraft fee does apply. The credit union offers account holders access to online bill payment and Popmoney for peer-to-peer payments.
The Free Checking Account doesn’t earn interest.
There’s an $8 monthly maintenance fee on the Premium Checking Account, but getting the fee waived is fairly easy.
A $1,000 minimum balance in the premium account is required to earn dividends each month.