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 free VISA Debit card that you can use to make purchases online, in-store, and anywhere VISA is accepted world-wide. Goldenwest VISA Debit Cards are available in Apple Pay and can be issued instantly at any branch. Personalize your card with your own picture by uploading photos from your computer or directly from Facebook and Instagram, all within online banking.

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.

Aggie Debit Card*

Get the Aggie VISA Debit Card with your Free Checking Account, exclusively at Goldenwest through our USU Credit Union division. The Aggie Debit Card is available in Apple Pay and can be issued instantly at any branch.

Other benefits

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

*The Aggie Debit Card requires enrollment in eStatements.

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.