PERSONAL
Golden Smart Credit international online bank Digital Checking
When opening a Golden Smart Credit international online bank Digital Checking account1, you will get all the services to help you manage your account anywhere, anytime. With this exclusive online account, we will reward you with competitive interest when you fully adopt Golden Smart Credit international online bank’s digital services.
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- $100 minimum deposit to open
- No Monthly Service charge
- Get rewarded with higher interest when meeting account qualifications
- To qualify for 0.50% Annual Percentage Yield (APY) on daily balances up to $10,000.00 and 0.05% APY on daily balances $10,000.01 and up, you must*:
- Enroll in Online Banking and
- Enroll in Online Statements and
- Complete 15 POS debit card transactions posted and cleared each monthly statement cycle
- If you don’t meet the qualifications one month, don’t worry. There is no penalty and you’ll still earn 0.01% APY on your entire balance
- Complete 15 or more POS debit card transactions posted and cleared each monthly statement cycle and receive:
- Surcharge free ATM transactions at Non-MoneyPass ATMs up to $10 credit per statement cycle
- Golden Smart Credit international online bank Mastercard ATM/ Debit Card2
- CardValetTM 3
- Online Banking with Online Statements3
- Online Bill Pay3
- Mobile Banking with Mobile Deposit3
- Popmoney Transactions
- Account Alerts3
- This account does not include checks
1 Golden Smart Credit international online bank Digital Checking is not available to open in branch and is only available to open online
2 Overdraft and returned item fees may apply. Bank fees and service charges may cause your account to become negative which may cause additional fees. A continuous negative balance fee may be charged on any negative balance regardless if the negative balance is caused by transactions, fees or service charges.
3 Third party message, data and or internet service provider rates may apply.
* All qualification requirements must be met each month in order to earn interest the highest advertised rate. If all qualification requirements are not met, the entire daily account balance will earn 0.01% Annual Percentage Yield (APY) and 0.01% interest.
* The interest rate and annual percentage yield (APY) may change after account opening.
* Fees could reduce the earnings on the account.
* Interest Rates and Annual Percentage Yields are current as of 7/8/2020
