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


GOLD has your back

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.

GOLD Checking Rates

Dividend APY Minimum Balance
0.20% 0.20% $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.


A woman walking down a city street wearing earbuds and holding a coffee cup and a mobile phone A woman walking down a city street wearing earbuds and holding a coffee cup and a mobile phone

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.

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.

Get started with your GOLD Checking account.

Already a Member? Sign into GOLD Online Banking.

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