Enjoy Better Banking.

Experience banking on the go or from the comfort of your own home with GOLD Online Banking. You’ve got the power to manage your accounts, balances, and transactions, transfer funds, deposit checks, pay bills, and more with a few, quick clicks or the touch of your fingertips.
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Convenient

Whether you bank online through a desktop or on the mobile app, our enhanced, modern digital platform was designed especially with you in mind to create a seamless experience that's easy to navigate and guaranteed to take your banking to the next level.

Secure

With an additional layer of two-factor authentication, your information is more secure than ever.

Personal

When you log in, you can customize your dashboard to show what is important to you and make it your own.

Features & Functionality.

GOLD Digital Banking allows you to manage your accounts on the go with all the features you expect plus cool conveniences that keep you up to date on your finances.
Account Management
Get fast access to your most important financial information by viewing your account balances, activity, and details at a glance. You can even search transactions for quick access to the information you need.
Transfers
Transfer money between your GOLD accounts in real time. Add accounts from other financial institutions to transfer money between institutions digitally and securely. Do it all from one convenient digital banking platform with GOLD.
Pay Bills
Never miss a bill payment by scheduling immediate, future, or recurring monthly payments to companies and people at your convenience.
Card Management
Manage your credit and debit cards. Report a lost/stolen card, re-order a card, and activate your new card once received. Set alerts or even block transactions by card based on merchant types, transaction types, or spending limits.
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Set up Alerts
Get notified about what’s happening in your accounts by setting up customized banking alerts on balances, transactions, login, and personal information changes. If you used our previous online banking platform (before 1/17/2023), alerts did not carry over and you'll need to set up the alerts you'd like to receive.
Secure Messaging
Strike up a conversation with us using our messaging feature. It’s easy and secure, and we’ll make sure to reply to all messages within one hour during normal business hours.
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Check Management
Deposit, view, order, and issue checks.
Apply for a Loan
In need of funds? Apply for any one of our GOLD Loans easily through Digital Banking.
Manage Your Loan
View details, schedule payments, and pay off your GOLD Loans.
View Documents
View, download, and print account statements, credit card statements, and tax documents.
Add Images
Keep track of your receipts and other important information by adding photos to your transactions.
Find Locations and ATMs
Utilize your smartphone's location services to easily find the nearest branch or surcharge-free ATM right inside the app.

Get Started with Digital Banking

Digital banking with GOLD is easy and seamless. Follow the tips below to get started using GOLD Digital Banking.

Enroll in Digital Banking

It's easy to enroll on any device. Make sure you have your SS#, member number, email, and phone number for the primary account holder on hand.
Enroll Now

Log in to Digital Banking

Use your current online banking credentials for every device.
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Get Password Help

Forgot your Login information? No problem. Use two-factor authentication to reset your password.
Reset Password
Download GOLD's App Now

Take your digital banking with you by downloading the GOLD CU app on your mobile devices.

Frequently Asked Questions

There are a plethora of features and capabilities in digital banking. Not sure how to find what you're looking for or use all these cool, new tools? We may just have the answers you're looking for in our FAQs below. And if not, don't despair, reach out to our digital banking team for personal help at 484-223-4252.

You can access the new digital banking and your account on a desktop, laptop, mobile phone or other internet-accessible device. Simply log in with your existing online banking credentials to both online and mobile banking. There are two ways to access:
  1. Click digital banking in the navigation of our website
  2. Download the NEW mobile banking app from Google Play or the App Store
Note: As of 1/17/2023 you will not be able to access online banking via old bookmarks or the previous GOLD Credit Union mobile banking app.

Visit www.goldcu.org
  • Click the Digital Banking button or download the GOLD CU App (available at Google Play or App Store to download now)
  • Enter your username and password
  • Enter the one-time access code sent to your phone
  • Read Terms & Conditions and click Accept
  • You're in!

There is no need to enroll in digital banking if you have previously enrolled in online banking with GOLD. Log in with your existing online banking credentials on either the digital banking website or the new mobile banking app. If you have not previously used online banking, OR if you have not logged into online banking since 1/1/22, you will have to go through the enrollment process. 

If you are having trouble logging in, you can reset your password to recover access to your account. 

Yes, if you downloaded the app prior to 1/17/23, you will need to delete your old GOLD Credit Union app and download the new app. The Apple app is available in the App Store and the Android app is available in Google Play. 

Recommended browsers (current major release):
  • Chrome 
  • Firefox
  • Safari 
  • Microsoft Edge
Note: Microsoft no longer supports Internet Explorer and security updates are not available. Please download one of the browsers listed above. 

Safari versions below 10.1.2 are not compatible with the initial log in process. To complete the initial log in process, upgrade to the latest version of Safari, or using Chrome or Firefox.

The following types of browsers and tools are not recommended for use with digital banking: 
  • Beta versions
  • Embedded browsers within Personal or Commercial Financial Management Software

The Apple mobile app requires a minimum version of iOS 11. The Android mobile app requires a minimum version of Android 5.0. 

This error is present during the login process and typically means that your account has been locked. This can happen for a variety of reasons but is easily resolved. Please contact us via phone at 484-223-4252.

This error is present during the enrollment process and means that the phone number you entered does not match the phone number we have on file. If you have an alternate phone number, you can try again. If you would like to update your phone number in our system or need other assistance, please contact us at 484-223-4252.

This error is present during the login process and typically means that your credentials didn’t match our records. Try entering your credentials one more time. If the error persists, please call us at 484-223-4252.

This error is present during the enrollment process or when updating credentials. Click on Show Rules below the username and password field to see the credential requirements.

This error is present during the enrollment process and typically means that the account information that you entered does not match our records. Please call us at 484-223-4252.

This error is present during the enrollment process and typically means that our records show that you have previously created an account with us. If you forgot your username and password, on the login page click Forgot? Follow the steps to recover your account.

Call us at 484-223-4252 if you need further assistance.

For your security, your account will time-out after 10 minutes of inactivity.

When accessing on a browser, click on your name at the top right-hand corner of the screen and select “Sign Out.”  You will be taken to our website homepage and your session will be closed.

To sign out of the app, just tap the hamburger menu icon in the top of your screen, then click your name at the bottom of the menu and tap “Sign out.” You’re also automatically signed out when you close the app or lock your screen.

If you want to remove the connection between your device and your account altogether, you can go to the Menu > Settings > Remove Profile. This will remove all association between your account and the mobile device and app you are using. Each time you attempt to access the app after this, you will have to put in the full username, password, and 2-Factor authentication to authorize your account on that device.

Two-factor authentication is a security measure that allows you to request a one-time access code to log in to digital banking. The code enhances the security by creating an added layer on top of your unique username and password. This security process helps to verify you and better protect your credentials and accounts you can access. It replaces the security questions previously used in online banking. 

Two-factor authentication uses a unique one-time access code to verify identity and log onto digital banking. If you are unable to receive text (SMS) messages, you can choose to receive your access code via a phone call.
 On the verification code screen, click Try another way located beneath the Verify button
  • Select Phone Call and click Next
  • You will receive an automated phone call that will provide your access code
  • Return to the verification code screen
  • Enter your access code and click Verify
If you are still having trouble, contact us at 484-223-4252 to ensure we have the correct phone number on file.

Authy is a free mobile/desktop app for two-factor authentication that can be used to access digital banking. 

Some advantages of the Authy app:
  • Your data can be backed up to Authy's server if your phone is lost or stolen - and afterward, you can log out the old phone, too (settings: remove device).
  • You will receive a push notification if someone else is trying to access your account via SMS.
  • You may sync multiple devices to one account - even copy and paste a token right from the desktop Authy app into the website you need to access.
  • If you are traveling, the app doesn't need an SMS with roaming charges... just use the code generated in the app.

You can change your username, password, and phone number for 2-Factor authentication in Account Settings.

To access Account Settings, click on your name on the top right corner or click on the slideout menu on mobile and then select Settings. On the settings page, click on Security and edit as needed.

To help ensure the safety of your personal information online, create unique IDs and passwords so that they cannot be easily guessed and never share them with anyone. The requirements for log on credentials are as follows:
 
Digital Banking ID
  • Must be 6-12 characters in length
  • Must start with a letter
  • Can contain both numbers and letters
Digital Banking Password
  • Must be 8-10 characters in length
  • Must contain a minimum of 1 non-alphabetic character
  • A given character cannot appear more than 4 times in a password
  • Allowable special characters: !”#$%&()+,-/;<=>?[\]^_`{|}*’

You can change your username or password at any time in digital banking.
 
To change your username:
  • Log in
  • Select your username icon in the top right corner or menu in mobile banking
  • Select Settings and then select Security option on the left side menu
  • In the Username field select Edit
  • Enter your current password when prompted
  • Change your username and select Save

To change your password:
  • Log in
  • Select your username icon in the top right corner or menu in mobile banking
  • Select Settings and then select Security option on the left side menu
  • In the Password field select Edit
  • Enter your existing password, and then enter a new password
  • Select Save

You may check the “Don’t ask for codes again on this computer” box if you do not want to receive a confirmation code, phone call, or text each time you log in. If you prefer to input a confirmation code with each use, you can leave the box unchecked or use the 2-Factor Authentication app to deliver the code.

For your security your account will time out after 10 minutes of inactivity.

To unlock your account, please call us at 484-223-4252.

To set up account alerts:
  • Log in 
  • Select the account you would like to set up an alert for
  • Click Alert preferences in the menu
  • Follow the prompts to create balance and/or transaction alerts
To set up card alerts:
  • Log in
  • Select the card you would like to set up an alert for
  • Select Alerts and protections
  • Follow the prompt to edit notifications settings, and block or receive alerts for transactions based on Locations, Merchant types, Transaction types, or Spending limits.

Alerts can be edited at any time in digital banking.
  • Log in 
  • Select the account you would like to edit an alert for
  • Click Alert preferences 
  • Under Alerts 
    1. Click Edit next the alert you would like to change
    2. Change your criteria for the alert
    3. Click Save
    4. To delete an alert, you can simply click the Trash Can icon or tap Remove in mobile

You can update your phone number, email address, or primary address under Settings:
  • Log In
  • Click on the User Profile icon and click Settings
  • Click Edit next to your phone, email, or address
  • Verify your password
  • Edit your contact information
  • Click Save
Phone and email updates will happen immediately.  All address updates will be reviewed by a member service representative, and you may be contacted for additional information.

  1. Tap the slideout menu, and then select Settings.
  2. On the Profile screen, select the pencil icon next to the end-user profile image.
  3. Choose to use an existing photo or use the device's camera to take a new photo.
  4. On the Move and scale screen, adjust the photo placement within the frame as desired.
  5. Select Done.

It's simple to rename an account in digital banking.
  • Log in 
  • Select an account from the Accounts section
  • Select Settings from the options menu
  • Next to the account name, select Rename
  • Type the new name, and then select Save

Yes. You will have access to up to 12 months of eStatements as well as tax documents.

Account statements and tax documents can be accessed through digital banking. These are only available for accounts already enrolled in eStatements.
  1. Log In
  2. Click on any account listed
  3. Click on Documents from the Account Details page in the options menu
  4. Statements and Taxes will be listed for each statement period available

You can sign up for eStatements within digital banking. After logging in, select Documents from your Dashboard, then follow the prompts to enroll in eStatements.

You can add notes, tags, and images to any transaction inside of digital banking. To begin:
  • Log in
  • Click on any account
  • Click on transactions (in mobile)
  • Select the transaction you wish to edit and pull up the transactions details page
  • Click on the appropriate icon for one of the following:
    • Add Tags
    • Add Notes
    • Add Images
  • Follow the on-screen prompts to update the transactions
  • Close the transaction detail page or tap transactions in mobile
Any tags, notes, and images attached to transactions will be accessible on all devices when you log into digital banking in the future.

Account transactions can only be downloaded in the browser version of digital banking (not the GOLD CU app):
  • Log In
  • Click Accounts
  • In the Accounts section, select the account you like to download transactions for.
  • In the Activity area, select the download icon next to the print and search icon.
  • On the Download Activity window, select the Date range and File Type and click Download.

Account transactions can be searched in digital banking by amount, date, tags, etc.

Online:

  • Log in
  • Click Accounts
  • In the Accounts section, select the account you would like to search
  • In the Activity section, select the magnifying glass icon
  • Click on the Search and sorting options to open Advanced Search in digital banking 
  • On the Advanced Search window, you can select specific search filters and select Search

Mobile app:

  • Log in
  • Select your account you want to search
  • Select Transactions
  • Tap the magnifying glass icon
  • Tap the gear icon to use Advanced Search options 

Account transactions can only be printed in the browser version of online banking (not the GOLD CU app).
  • Log In
  • Click the Accounts tab
  • In the Accounts section, select the account 
  • In the Activity section, select the printer icon. Only transactions that show in the Activity section will print.
  • A print screen appears with a print preview and print configuration options.
  • Using the dialog, configure the print settings and select Print.

Yes. You will be able to easily transfer money from your GOLD Credit Union Deposit Accounts to your GOLD Credit Union Loans.
  • View the loan account you want to make a payment to
  • Select transfer
  • Choose the account to make the payment from and the amount to pay
  • Select More option to change the frquency, payment date, and/or memo
  • Click Submit to schedule the transfer to pay your loan

To transfer between two GOLD Credit Union accounts in digital banking:
  • Log In
  • On the desktop, click Transfers > Make a Transfer OR on the mobile app, tap the hamburger menu > Transfer > Make a Transfer
  • Select your To and From account and amount
  • Click More Options to change the frequency and date if desired
  • Click Submit

You can make transfers between your GOLD Credit Union accounts and other financial institutions once an external account has been verified. 

To set up an external transfer on a desktop:
  • Log into digital banking
  • Click Transfers
  • Click +External Account to set up a new linked account
  • Enter account information and submit
  • Confirm a deposit amount into your other financial institution
  • Finally, schedule a new one-time or recurring transfer
To set up an external transfer on the app:
  • Log in and click to open left side navigation menu
  • Click Transfers
  • Click "Transfer to other institutions by adding an external transfer account" 
  • Select + Add external account
  • Enter account information and submit
  • Confirm the two deposit amounts to your other financial institution (This may take 1-3 business days to arrive.)
  • Finally, schedule a new one-time or recurring transfer
**Please be aware that this connection is only to be set up with other accounts on which you are authorized.**
To verify the two trial deposits, please go to: MAIN MENU (Three Horizontal Lines in Top Left Corner) > PRIMARY MEMBER'S NAME > SETTINGS > EXTERNAL ACCOUNTS.
To make a payment in Digital Banking using an External Transfer please do the following: Select TRANSFER > select FROM: other financial institution > select TO: loan > Enter Amount > SUBMIT

Mobile deposit is available for checking and savings accounts, but you must enroll first. Mobile deposit can only be done through the mobile app. Follow the below steps: 
  • Log in
  • Select Deposit under your checking account OR select Deposit Check from the hamburger menu in the mobile app
  • Click Enroll Account and go through the sign-up steps
  • Once your request has been processed and approved, tap Deposit a Check 
  • Enter the check amount
  • Tap Continue
  • Select the account to deposit to
  • Take a picture of the front of the check and tap continue
  • Take a picture of the back of the endorsed check and tap continue
  • Verify that the information is correct and tap Submit

 

You should keep the check until the deposit has posted to your account. After that time, you may shred it.

Within the Deposit Check feature, under Recent activity, you will see the status of your check. It will say one of three things:
  • Accepted: This means the image and amount of your check were accepted.
  • Rejected: This means that the item was rejected. There are multiple reasons why a check may be rejected. If you have questions, please contact us at 484-223-4200 or send a secure message in digital banking through Conversations. 
  • Needs Review: This means that the check must be manually reviewed before being accepted.

There are many reasons a check may be rejected when being deposited remotely. You may want to check to see that the images of the check are clear, the check is made out to an account holder, and the check is filled out and endorsed.

If you have a question or need help, please contact us at 484-223-4200 or send a secure message in digital banking through Conversations.

Checks deposited into an account must be made payable to an account holder.

Bill Pay allows you to pay anyone, anywhere right from your computer or mobile phone. There is no limit to the number of bills you can pay, and this service is free to all members with a checking account. Bill Pay is offered through digital banking.

  • Log in
  • Select Pay a Bill > Payments or tap Pay under your account in mobile
  • If it is your first time using Payments, it will ask you to enroll, so click Enroll
  • Select Pay a bill or Pay a person 
  • Select the merchant or person you would like to pay
  • Select an account to take funds from, and then input the Amount
  • If you would like to set the date for the payment, Select More options and select the desired date
  • Select Submit

  • Log in
  • Select Pay a Bill > Payments or tap Pay under your account in mobile
  • If it is your first time using Payments, it will ask you to enroll, so click Enroll
  • Select Pay a person > Person to pay (To add a new person, select Add another person and fill out the necessary information) or Select the person to pay in mobile
  • Select an account to take funds from, and then input the Amount
  • If you would like to set the date for the payment, Select More options and select the desired date
  • Select Submit

  • Log in
  • Click Pay a Bill > Payments, or Pay in the mobile app
  • Select the payment you wish to cancel
  • Click Edit, then click the trash can icon, or tap Delete in the top right corner in the mobile app
  • Confirm deletion

Regardless of the device you prefer to use, it's easy for you to start a secure conversation with GOLD. Start by logging in with your credentials to digital banking via our website or mobile app. You can access the conversations feature in a few different spots. On your main dashboard, click the "Messages" icon or scroll further down the screen until you reach the "Messages" section. In the hamburger menu on the left, you may access conversations by clicking "Messages" or "Support." Then, click the conversation icon or "Start a conversation," type your message, and click send. One of our support team members will respond back to you within one hour during our regular business hours. 


 

Blocking (and unblocking) your debit card is easy in digital banking. Start by logging in to digital banking with your credentials and clicking on the "Card Management" section of your dashboard. Then, click the green toggle slider to instantly turn the desired card off for as little or as long as you'd like. 

If you'd like to turn the card back on, simply click the green toggle switch again. 

You are now leaving GOLD Credit Union's website. This site is provided with the sole intent of providing helpful and convenient information for our members. We recommend that you consult the privacy disclosure on all websites before continuing. GOLD Credit Union is not responsible for any content on any other website, and does not represent either the third party or you, the member, if you enter into a transaction.

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