We've compiled a list of answers to our Members' most frequently asked questions. From Online Banking to routing numbers, we've got you covered. Click on a topic below to view our answer.


Call us at 484-223-4200 immediately.

The most secure methods for contact GOLD Credit Union include calling us directly at 484-223-4200 and sending us a secure message via your Message Center within Online Banking.

Never send your personal or financial account information via text message or email, as these methods are not secure.

Yes, our Online Banking features are safe and secure to use. We employ several layers of protection to prevent breaches. These include session encryption through your browser, firewall systems, and stringent internal protocols.


A Credit Union is a Member-owned financial cooperative. Like banks, they offer a variety of financial products from savings accounts to loans. Because they’re Member-owned, though, they’re dedicated to offering Members competitive interest rates, low fees, and impeccable service.

Membership with GOLD Credit Union is open only to select groups, generally employees of partner companies and associations and their family members. See whether you’re eligible to join GOLD Credit Union.

Complete our easy online process and become a Member in just a few minutes. We’re excited to welcome you to the GOLD Credit Union family!

We have two branches located in Allentown, Pennsylvania. You can also bank with us 24/7 with our Online Banking tools.

Our General Office is open from 8:30 a.m. to 4:30 p.m. Monday through Friday. Our Lehigh Division is open from 8:30 a.m. to 5 p.m. Monday through Friday. Please keep our Holiday Schedule in mind before planning your visit.

Learn more about how to become a Select Employer Group (SEG).

No! We’re committed to being your lifelong financial partner. Once you become a Member, you’ll always keep your Membership.


Yes. All GOLD accounts are federally insured up to at least $250,000 by the National Credit Union Association.

There is no monthly fee for being a Member. In fact, we do our best to eliminate every fee possible! Those that do exist are generally for overdrafts, replacing/reactivating your cards, or undeliverable bills. For a full list, please refer to our detailed, transparent fee schedule.

Yes. Members may set up a link between their Checking Account and Savings Account to cover overdrafts. They may also use a Personal Line of Credit as overdraft protection.

You can visit one of our branches or one of more than 55,000 surcharge-free ATMs to withdraw cash.

You can complete other transactions (e.g., transferring funds, paying bills) online, by writing a check, or by using your GOLD Debit or Credit Card to make purchases in-store.

It depends. If you deposit cash or a check for less than $500, your funds are available immediately or within one business day, depending on the time of deposit. This is our standard for direct deposits as well. For larger deposits or other exceptions, you may notice a deposit hold for up to 10 business days.

Regulation D, or Reg D, is a regulation of the United States Securities and Exchange Commission, or SEC. It limits the number of pre-authorized withdrawals and transfers from a Savings Account or Money Market Account to six per month. Savings Accounts and Money Market Accounts are considered non-transaction accounts, in that they’re not designed for managing daily finances.

Existing GOLD Members can open additional accounts online.

Please visit one of our branches and bring documentation reflecting your name change (e.g., marriage license). One of our Member Service Representatives will walk you through the account changes.

You can change your contact information online or in person.

  • Online: Log in to your account and send us a secure message with your request.
  • In-person: Visit one of our branches, and one of our Member Service Representatives will process your request.

No, we do not offer estate accounts at this time.

You cannot add a beneficiary to your account at this time.

You have several options should you wish to close your account. First, transfer any existing balance to another account or institution. Then, you can request your account be closed by sending us a secure message online or visiting a branch location.

GOLD Online Banking

You can sign up for GOLD eStatements via your Online Banking portal. Once you’re enrolled, we’ll send you an email each month when your monthly statement or account notice becomes available.

You can set up event alerts, balance alerts, transaction alerts, security alerts, and personal alerts. You can choose to receive these upon sign-in or via email or text. To set up or manage your alerts, log in to Online Banking and select the Options tab and then the Alerts tab.

Once you’ve logged in, view your Transaction History. When you click on the check number, an image of the check will be displayed.

To reset your password, visit the GOLD Online Banking page and click on "Forgot Password".

You may also call us at 484-223-4200 during business hours or stop by a branch location.

Confirming your email address every 180 days is a security measure we use to help keep your account secure. Also, because we send you important account updates (e.g., monthly statement alerts) via email, we want to ensure their receipt.

Your security questions are used in the event that our system detects unusual account activity during an Online Banking session. As such, asking you to verify your security questions periodically is one of our methods for ensuring your banking experience is as secure as possible.

You can request cross-account access by sending us a secure message within GOLD Online Banking or stopping by one of our branch locations. Once confirmed, you can set up one-time or recurring transfers between eligible accounts under the Transfers tab.

Our External A2A, or Account to Account, service allows you to transfer money between your GOLD account and account(s) at another financial institution. To enroll, select the External A2A Transfers tab within Online Banking and following the subsequent prompts. Once verified, you can set up transfers between institutions under the Transfers tab. Please review our A2A Transfer Service user agreement for the full transfer schedule.


The GOLD App allows users to complete everyday banking tasks on the go. It is available to download for iOS and Android. Once downloaded, you can log in via your Online Banking credentials.

Once you’ve logged in, choose to make a deposit. You’ll input the check amount and then use your smartphone’s camera to capture a photo of the check. You’ll photograph both the front and the back, or endorsed side, of the check. Upon acceptance, your screen will indicate that your deposit was successful.

GOLD Credit Union reviews each check deposit submitted through the GOLD App. As such, check deposits are generally available within one business day. You may see a pending status or check hold in the meantime.

We use data encrypted via state-of-the-art image processing and optical character recognition to ensure your deposit is secure.

If you encounter any problems with your deposit, please call 484-223-4200 during business hours.

Direct Deposit

GOLD Credit Union’s Routing Number is 231379131. You’ll see this reflected on your checks if you look for the nine-digit number in the bottom-left corner. This is also called an American Bankers Association — or ABA — number.

Your Transit Number is also a nine-digit number used to set up automatic debits for payroll direct deposits. It reflects the electronic processing center for your account. It’s generally the same as your Routing Number, but, if different, it’ll be labeled as ACH R/T on the check.

To enroll in direct deposit with your employer, you’ll need to speak with your Human Resources or Payroll department. You’ll be asked to complete a form, for which you’ll need GOLD Credit Union’s Routing Number (i.e., 231379131) and your account number.

If you need assistance with your account number, please call 484-223-4200 or send us a secure message through your Online Banking portal.

Debit and Credit Cards

All GOLD Debit and Credit Cards are embedded with an EMV chip. This adds another layer of security to reduce in-store fraud. Specifically, your chip generates a one-time-use code whenever you use your card at a chip-activated terminal, making it virtually impossible to counterfeit.

Your PIN, or personal identification number, is used to verify your authority to use the card in question. You’ll use your PIN at ATMs and at payment terminals without chip technology. If you forget your PIN, please call 484-223-4200, and one of our Member Service Representatives will assist you.

GOLD Credit Union offers you access to more than 55,000 ATMs worldwide, many of which are surcharge-free. You can find the ATMs nearest you by searching the Allpoint and CU$ networks.

You can activate your card via Online Banking. We’ll verify your identity and card details to complete the activation. You can also activate your card by phone. Call the phone number listed on your new card.

If your card is lost or stolen, we ask that you report it by calling us at 484-223-4200. You can do so 24/7.

GOLD will never request your personal or financial account information via text message or email. Should we notice suspicious activity with your GOLD Debit or Credit Card, we will call you directly. Similarly, if you believe your account has been compromised or you receive a call, text, or email claiming your are a victim of fraud, please call us at 484-223-4200.

If you see a charge you didn’t authorize, you can do the following:

  1. Contact the merchant to try to correct the charge. Be sure to note the representative you spoke with and the conversation details.
  2. If the merchant will not correct the error, you may file a dispute through GOLD, and we’ll forward your complaint to VISA.

If you’re about to make an unusually large purchase compared with your normal transactions, we encourage you to alert GOLD Credit Union in advance by calling 484-223-4200. Otherwise, if a charge is deemed suspicious, it may be flagged as fraudulent.

We also encourage you to evaluate your credit situation prior to making large purchases. If you’re remodeling your home or financing a vacation, using a Personal Loan or Line of Credit or Home Equity Loan or Line of Credit may be a better route than using your Debit or Credit Card.

We encourage you to alert GOLD Credit Union about your travel plans. You can do this through your Online Banking portal. You may also call us at 484-223-4200 during business hours.


You can get pre-approved by applying online today! Once you choose your vehicle, you’ll just need to call us to finalize the loan amount. Doing so gives you more negotiating power at the dealership. First, you’re protected from dealership financing markups. Second, you’re considered, essentially, a “cash buyer,” making for a more straight-forward purchase.

Yes, you must be a Member of GOLD Credit Union to be considered for a loan. Once you are a Member, you are eligible to apply for a loan immediately.

You can apply for a loan online in just minutes. If you’d like assistance evaluating your loan options, we encourage you to call our Loan Department at 484-223-4216 for a free quote. Of course, we welcome you to stop by one of our branch locations as well.

Our Loan Department reviews each loan application individually — no robots here! We consider several factors when evaluating your application, including your credit score, credit history, and debt-to-income (DTI) ratio. For a new home or vehicle loan, your down payment will also be considered.

There are three nationwide credit-reporting agencies — Equifax, Experian, and TransUnion — through which consumers can request a free annual credit report. GOLD Credit Union uses Experian’s reporting data for our loan decisions.

Your credit score is a measurement of your credit-worthiness and is built on your credit history using an algorithm. You can find your credit score on your credit report.

It depends on which type of loan you’re applying for. For non-real estate loans, you’ll likely receive your decision in a matter of hours. For real estate loans, we must wait until we receive your appraisal, search, and flood reports, which can take a few days.

You can view the status of your loan application by logging into GOLD Credit Union's online processing system. You may also call our Loan Department at 484-223-4216.

We tried to think of everything! But we know you may still have questions. Contact us or call 484-223-4200. We're happy to get you the answers you need.

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