Checking Products
_____is the perfect account for those who are new to banking or haven’t had a checking account for some time. It's a great starter account that has many of the same features as our other checking accounts. Easier to qualify. No fees. Lower limits on debit and Visa cards.
Easy Checking
_____product that is intended to cover the difference between the amount you owe on your auto loan and the amount the insurance company pays if your car is stolen or totaled.
GAP
_____ limit on cash deposits, if the depositor is not a signer on the account.
$500
______is a form of overdraft protection; it isn’t a loan or a line of credit but a “courtesy limit” Golden 1 extends to qualified members
Courtesy Pay
______is a written document between a natural person (known as principal) and a second person (Attorney-in-Fact/Agent), authorizing the second person to act or conduct business on behalf of the principal.
Power of Attorney
____ provides a checking product that does not have a monthly service fee. The Free Checking account is designed for members who do not want to worry about any service fees and who use a base checking account without any balance restrictions.
Free Checking
_____an optional, voluntary product that helps pay a loan if you can't due to certain life events, such as death, disability, or involuntary unemployment. It can cancel the remaining loan balance or waive a number of payments, depending on the specific coverage.
Debt Protection
_____software that financial institutions use to comply with federal law by screening customers and transactions against government watch lists. All non-members must be screened using this.
Verafin
______is an automatic transfer that is made from a savings account or a line of credit to cover a check or automated debit (ACH and ATM) from a checking account that has insufficient funds.
Overdraft Protection
When no parent is available to meet the needs of the child due to the parents’ death, incapacity, abandonment, military obligations, or other reasons, the probate court will appoint a legal guardian and give authority and responsibility to provide care for the child, or to manage the child’s assets, or both.
Guardianship Account
_____product is for members who want to maximize the earning potential of their checking balance. It pays the highest dividend rate of any Golden 1 checking account and allows unlimited deposits and withdrawals.
Market Rate Checking
_____covers G1 loan payments for members who are unable to pay their loan because of accident or illness.
Disability Protection
_____fee for non-member cashing On-Us check cashing. Waived if the transactor is aged ____ & under.
$10, 17
_____is one that has not had any activity or data changes for 24 months.
Dormant Account
_____provides a way to make an irrevocable gift to someone under the age of 18 (minor).
CUTMA (California Uniform Transfers to Minors Act)
______designed for members between the ages of 13 and 24 and offers free checking and financial education while providing appropriate guardrails to assist those members to successfully launch their financial journey.
Student Checking
__________covers Golden 1 loan payments for members who are unable to pay their loan because of involuntary unemployment.
Involuntary Unemployment Protection
To comply with BSA requirements, branch employees must complete an online BSA -_______form when performing the following transactions involving cash for non-members in the amount of $3,000 or more.
NAT
_____are the simplest form of business organizations and is defined as an individual, or married couple, engaged in business as an unincorporated business firm without partners. The business may or may not have employees.
Sole Prop Account
An account where an individual is appointed by SSA to manage the benefit funds for an individual who is unable to handle their own funds.
Rep Payee Account
_____checking allows members all the conveniences any of our checking accounts offer, plus many services free of charge. Provides members who are 62 or older any checking account with no service fees, plus many other services free of charge. Golden Prestige members can select whichever checking account fits their needs, and the service fee is automatically waived.
Golden Prestige
______pays off a member’s loan if the borrower and/or the co-borrower dies.
Life Protection
When a former member pays for statement copies on a closed account, branches are permitted to give cash/change back, up to_____.
$100
We deliver exceptional financial services and support to empower our members and communities.
Our Mission
_____is a form of guardianship for a minor who received a settlement from a lawsuit, inheritance, etc. A court order is issued by the Superior Court stipulating that a specified dollar amount must be placed in a restricted account and may not be withdrawn without another court order.
Court Blocked Account