Smart Pay Checking

Enjoy the benefits of a credit union checking account packed with free features.

Here are some of the many benefits you'll receive when you open a Smart Pay checking account with us:

Truly Free Checking

The best part about our Smart Pay 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, gift cards, purchase merchandise, donate to charity, and much more.

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 apps on your mobile device.

Bill Pay

Bill Pay is free with any Goldenwest Smart Pay Rewards checking account. Pay your bills, send money to a friend, transfer money to another bank, all online or using our mobile app with Bill Pay.

• Dividend earnings on balances greater than $500
• No minimum balance requirement
• Surcharge-free access at 30,000 ATMs
• Earn Debit Card Rewards

• Free box of checks upon account opening
• Overdraft protection options
• NCUA insurance