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Checking Account

SMARTPay Account Features & Benefits

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Truly Free Checking

The best part about our SMARTPay checking accounts is what they don't come with – monthly service fees, transaction limits, minimum deposits.


Debit Rewards

Earn rewards points every time you use your debit card to make purchases with our free debit rewards program. Redeem your rewards points for travel, merchant gift cards, cash back, charitable donations, and much more.

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24/7 Access

Manage your account 24/7 with online and mobile banking. You'll have access to manage your account anytime, anywhere with our online banking service on your computer and our free mobile app on your mobile device.


Bill Pay

Bill Pay is free with your Goldenwest SMARTPay Checking Account. Pay your bills, send money to a friend, or transfer money to another bank online or by using our mobile app.

Other Benefits

More for Teens and Young Adults


Save for a rainy day with a traditional savings account or a term savings account. Open and maintain a traditional savings account with as little as $5. Open a 12-month term savings account to:

  • Earn dividends on funds
  • Add money at any time
  • No monthly service fees
  • NCUA Insurance

Learn more:

Traditional Savings Account Term Deposit Accounts

First-Time Auto Buyer

You’re in the driver’s seat with your education and your first auto loan. We’ll get you the best rate possible for your new ride to school, even if you don’t have an established credit history. Get pre-approved online or at any branch for free today.

When you choose Goldenwest, you'll get essential financial tools including:

  • Excellent rates and terms
  • VISA debit card with up to $500 overdraft
  • VISA Rewards credit card with up to $1,000 limit

Learn More About the Program

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Middle, Junior High, and High School students can receive $2 for every A and $1 for every B on their quarterly report card!

Still have questions? Call us at 801-621-4550 or visit us at any of our locations here.


Eligible for members ages 13+. Members under age 18 will need a parent and/or qualified joint owner on the account.