Disclosure of Account Information - The Golden 1 Credit Union

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Dividend period - For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is February 1. If you close your account before dividends are paid, you will not receive the accrued dividends. Minimum balance requirements - The minimum balance required to open this account is $100.00. You must maintain a minimum daily balance of $1,000.00 in your account to avoid a service charge fee. If, during any month, your account balance falls below the required minimum daily balance, your account will be subject to a service charge fee of $5.00 monthly. The service charge will be waived if you have an aggregate savings balance of $5,000.00 or more in any combination of savings accounts under the same membership as the Premium Checking Account during the statement period at the time the service charge is assessed; or, if you have electronic Direct Deposit during the month to that Premium Checking Account. You must maintain a minimum daily balance of $1,000.00 in your account each day to obtain the disclosed annual percentage yield. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on non-cash deposits - Dividends will begin to accrue on the business day you deposit noncash items (for example, checks) in your account. Transaction limitations - No transaction limitations apply to this account unless otherwise stated in the Common Features section. FREE CHECKING ACCOUNT Transaction limitations - No transaction limitations apply to this account unless otherwise stated in the Common Features section. STUDENT CHECKING ACCOUNT (This account does not pay dividends) This basic account is specially designed for college students. To qualify, applicants must be 17 years or older with proof of acceptance, enrollment or attendance 36
at a college or university. After 5 years, this account automatically converts to Free Checking unless proof of continued enrollment is provided. Features of this account include: • No monthly service charges • No minimum opening deposit • No minimum balance requirements • Free first box of Variety 50-Pack Checks • Free Direct Deposit • Free Golden 1 Visa® Debit Card • Free Online, Mobile and Text Banking with Golden 1 Online SM (See our mobile banking terms and conditions for additional information and restrictions.) • Free Online and Mobile Deposit • Free Online Statements • Access to Golden 1, STAR®, Cirrus®, and CO-OP Network ATMs Additional limitations - Debit Card: We allow a maximum daily ATM cash withdrawal of $250.00 in addition to a total daily POS purchase limit of $250. This account is not eligible for our Courtesy Pay program. SMARTSTART CHECKING SM ACCOUNT (This account does not pay dividends) SmartStart SM Checking is a basic checking account designed to help you develop a good financial history at Golden 1. Plus, after 12 months of good account history, you’ll have an opportunity to request a conversion to a Free Checking Account! Features include: • No monthly service charges • No minimum opening deposit • No minimum balance requirements • Free first box of Variety 50-Pack Checks • Free Direct Deposit • Free Golden 1 Debit Card • Free Online, Mobile and Text Banking with Golden 1 Online SM (See our mobile banking terms and conditions for additional information and restrictions.) • Free Online and Mobile Deposit • Free Online Statements • Access to Golden 1, STAR®, Cirrus®, and CO-OP Network ATMs To qualify for a conversion to a Free Checking account, you must meet the following requirements: 37
Page 1: Disclosure of Account Information R
Page 5 and 6: TERMS AND CONDITIONS OF YOUR ACCOUN
Page 7 and 8: accept for deposit (including items
Page 9 and 10: unless: (1) all persons creating th
Page 11 and 12: to electronic fund transfers (e.g.,
Page 13 and 14: presented without sufficient funds
Page 15 and 16: available balance, the information
Page 17 and 18: - the account balance of your savin
Page 19 and 20: Examples of the types of actions yo
Page 21 and 22: no transfers in a particular month.
Page 23 and 24: • Limited Liability for Visa® De
Page 25 and 26: notice or without notice if your ac
Page 27 and 28: If we cash a check for you that is
Page 29 and 30: Some or all of the checks that you
Page 31 and 32: y means of a preauthorized or autom
Page 33 and 34: Dividend period - For this account
Page 35: or automatic transfer, telephonic o
Page 39 and 40: GOLDEN 1 FREEDOM CHECKING SM ACCOUN
Page 41 and 42: enewal if you withdraw the funds in
Page 43 and 44: You will have a grace period of sev
Page 45 and 46: Transaction limitation - We reserve
Page 47 and 48: law, of any items drawn against ins
Page 49 and 50: However, rather than automatically
Page 51 and 52: • Eligible Account Types: The acc
Page 56: Operations Center P.O. Box 15966 Sa

Disclosure of Account Information - The Golden 1 Credit Union

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