Personal Checking

A Golden Bank checking account gives you much more than just a standard checking account. Each option has been customized to provide you with all services to meet your banking needs. With our Personal Checking accounts, you are assured of the best options that suit your needs.

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  V.I.P. Checking Opportunity Checking  Personal Checking
Select the account that is right for you Lots of benefits for VIP customers Easy to open, low cost account Full-service, full benefits
Unlimited check writing / debit transactions

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10 per month¹

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Unlimited ATM transactions
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Free Check Card available² image of a green dot  N/A image of a green dot
Free ATM Card² image of a green dot image of a green dot image of a green dot
Daily ATM cash limit $500 $100 $500
Free Online Banking
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Bill Pay option
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Interest paid on all collected account balance  
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Non-interest bearing

Non-interest bearing
Additional account benefits
Free unlimited VIP checks
Fees waived for:
  • Cashier's Checks (up to 3 per month)
  • 50% discount on safe deposit box rental

Minimum opening balance
 $10,000 $50 $150
Monthly service charge
$15
 No monthly service charge
$7
Minimum daily balance to avoid monthly service charge
$10,000

 No minimum balance required
$500

1 Additional transactions are charged $0.50 each. Only PIN-based transactions are allowed; no Point-of-Sale transactions. Debit includes all checks, debit transactions and ACH withdrawals
2 Application required. See your personal banker for details. Refund ATM service fee up to $25.00 Per month.

Golden Bank also offers various types of personal checking accounts to suit for different banking needs. For more information, please call our main office at (713) 777-3838.