Free Checking

Woman handing a debit card to the merchant

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

No monthly service fee

The best part about our checking accounts is what they don't come with – a monthly service fee. You won't be charged every month just to have an account with us.

Free VISA Debit card

Our checking accounts feature a VISA Debit card that you can use to make purchases online, in-store, or at any one of the millions of locations that VISA is accepted world-wide. VISA Debit cards can be issued instantly at most Goldenwest branches.

Free online and mobile account access

You'll have access to manage your account anytime, anywhere with our online banking website on your computer and our free Goldenwest mobile apps on your iPhone, Android, or Blackberry smart phone.

Free online bill pay

Stop writing checks and buying stamps to pay your bills. With our free online bill pay, you can pay almost any company or individual from our banking website easily and securely.

Other benefits

  • Surcharge-free access at 28,000 ATMs
  • Free box of checks upon account opening
  • No minimum balance requirement
  • Unlimited transactions
  • Overdraft protection option
  • Dividend earnings on balances greater than $500
  • NCUA insurance

Become a Goldenwest Member

Open an account with us today!

Personal Checking Account Rates

Free Checking
0.10% APY
Rates and terms are accurate as of March 1, 2014 and are subject to change. Minimum $500 average daily balance required to earn dividend amount. APY = Annual Percentage Yield. Dividend is paid monthly. Fees may reduce earnings.