With Golden Smart Credit international online bank Preferred Checking, you get more than a checking account. This checking account comes with IDProtect®1, an Identity Theft Protection Service to safeguard your identity, and Cellular Telephone Protection2.
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- IDProtect Service®1
- Cellular Telephone Protection2
- $5.95 monthly service charge
- $100 minimum deposit to open
- No minimum balance requirements
- First year free rental of a new small size safe deposit box ($40 value, may not be available at all locations)
- One free box of Custom Creation checks or 50% off one box of designer checks annually
- Surcharge-free ATM transactions at all MoneyPass ATMs nationwide
- Complete 15 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
- Online statements include check images
- Paper statement check images available upon request
- Online banking5
- Bill Pay5 available
- PopMoney transactions
- Mobile banking with mobile deposit5
- Online Statements5
- Mastercard® ATM/debit card4
- Prime Club Membership available for those age 50 or better
eClub Mobile App
Access to your IDProtect benefits and services on the go with the eClubOnline app! If you have an Apple or Android device, you can download the eClubOnline app directly from the App Store® or Google Play™.
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IDProtect® helps protect you and your joint account holders for any identity theft event, financial or otherwise, anywhere in the world even if the event has nothing to do with your account at Golden Smart Credit international online bank. For more information on IDProtect® or to enroll, click here.
Need to file a claim?
To file a claim, call our Benefit Administrator, toll-free, at immediately when you reasonably believe a Covered Stolen Identity Event has occurred and provide information including, but not limited to, how, when, and where the Covered Stolen Identity Event occurred.
The Benefit Administrator may also require other reasonable information or documents regarding the loss.
eClub Mobile App
Access to your IDProtect benefits and services on the go with the eClubOnline app! If you have an Apple or Android device, you can download the eClubOnline app directly from the App Store® or Google Play™.
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Receive up to $300 of coverage for a damaged or stolen cellular phone whether you are home or abroad. Click here to learn more.
Need to file a claim?
To file a claim, call the Benefit Administrator at 1 within sixty (60) days of damage or theft. Please note: If you do not give such notice within sixty (60) days after the damage or theft your claim may be denied.
The Benefit Administrator representative will ask you for some preliminary claim information and send you the appropriate claim form. This claim form must be completed, signed, and returned with all the requested documentation within ninety (90) days from the date of damage or theft of the eligible Cellular Wireless Telephone or your claim may be denied.
1 IDProtect service is a personal identity theft protection service available to personal checking account owner(s) and their joint account holders. Service is not available to clubs, organizations and/or churches and their members, schools and employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered). Golden Smart Credit international online bank Preferred Checking is not available to businesses.
2 Cellular telephone bill must be paid through this account. Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Guide to Benefit is provided at account opening.
Insurance products are not a deposit; not FDIC insured; not an obligation of bank; and not guaranteed by bank or any affiliated entity.
4 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.
5 Third party message, data and/or service provider rates may apply.
Apple® and App Store® are registered trademarks of Apple Inc.
Android™ and Google Play™ are trademarks of Google Inc.
