Free Personal Checking Account

Your account, your benefits

As a Member-owned, not-for-profit financial institution, GOLD is committed to providing you with the best perks around at an unbeatable price: free. Built with you in mind, our GOLD Checking accounts eliminate the hassle and the costs you find at other financial institutions. No monthly service charge or minimum balance.

Easy direct deposit and auto-payments
High-rate checking dividend
Free paperless GOLD eStatements
Free GOLD Debit Card
Free GOLD Online Banking with our GOLD App and GOLD Bill Pay
Free first box of checks
Free overdraft protection available
Unlimited check-writing

Is this your first checking account? Maximize your account's full potential with CheckRight. CheckRight is an online learning experience designed to help you manage your checking account as efficiently as possible. Take the course in as little as 15 minutes and understand the benefits of a checking account, using your account on the go, how to overcome account challenges like overdrafts or reconciling an old account, and more.

Once you open your new GOLD Checking Account, we'll help you switch your direct deposit and automatic payments with ClickSWITCH in as little as 10 minutes.

Enroll Now

GOLD has your back

Rates are effective as of 06/01/2021

What’s better than free checking? We’d say it’s free checking that also pays interest! Our GOLD Checking accounts combine the convenience of checking and dividend payments.

Dividend	APY¹	Minimum Balance
0.10%	0.10%	$0

Face it: Overdrafts happen. But returned checks, non-sufficient funds (NSF) fees and rejected ACH transactions are hassles we want to help you avoid. That’s why we provide free overdraft protection with every GOLD Checking account. We’ll link it to your GOLD Share Savings account or to a GOLD Personal Line of Credit.

Please refer to our fee schedule for full details of costs and charges.

¹ APY=Annual Percentage Yield. Rates are subject to change at any time without notice. See credit union for additional terms and conditions

Take GOLD with you, wherever you go

Your free GOLD Debit Card works wherever you find the VISA® logo — and gives you access to 55,000 surcharge-free ATMs worldwide. It’s the perfect complement to your GOLD Checking account, helping you make secure purchases on the go. With 24/7 fraud protection and an embedded EMV chip, you can count on GOLD to put your safety first.

Since your debit card and checking account are linked, it’s simple to manage your funds. When you’re out shopping or filling up your tank, the money is drawn directly from your checking account, and you'll be able to easily keep track of any activity through online banking.

Prefer to write checks? You’ll get your first order of checks free when you open your GOLD Checking account. You can also personalize and reorder your checks online through Harland Clarke at any time.

If you've never had a debit card or checking account before or have experienced account challenges in the past, CheckRight can help. CheckRight is a short online course that teaches you how to better manage your account.

CheckRight

CheckRight is an online learning tool designed to teach you how to manage your checking account. Whether you've never had a checking account before or have had difficulties managing an account in the past, CheckRight can help you get on the right track.

The course takes about 15 minutes to complete and will guide you through real-life situations where you'll learn:

The benefits of having and using a checking account
The ease and convenience of online banking
How to deal with account challenges such as missed due dates and overdrafts
What ChexSystems is and how to overcome any challenges associated with it

Get Started with CheckRight

Get started with your GOLD Checking account.

Already a Member? Sign into GOLD Online Banking.

Open Checking Account Now