Golden 1 Mobile Reviews

Poor performance.
Many times I have used Golden1 only to find that clicking on certain features like transfer money will lock Golden1 completely. I have to get out without even signing off and then re-enter Golden1 to finish my banking needs. However if I try to transfer funds again after leaving Golden1 and signing back in, it will lock once again forcing me to get out and sign back in again.
Today I see Golden1 has transactions posted but some, not all, of the transactions do not have the business to which the payment was made. It simply says posted date and the amount. Some of the transactions with no pay to name previously had pay to names just a few days ago, so why it suddenly disappeared does not make any sense. It seems to always be one problem or another with Golden1 making it seem like Golden One needs a lot of work in many areas to compete with other credit unions. Everyone uses apps, it’s now a way of regular life. If Golden one cannot get their app to work properly and consistently every single time with no issues like Bank of America, or Citibank, it makes me feel very insecure about doing business with Golden One and I may have to take my business elsewhere.

I’ve been unable to use my online banking app and have been locked out of my account countless times due to this.(THIS HAS BEEN GOING ON FOR OVER A MONTH) Which has forced me to sit on the phone on hold waiting to speak to an agent so they can fix my problem in 15 seconds only for my app to work one SINGLE time before it breaks again and locks me out forcing me to repeat the cycle. If this isn’t fixed soon i’m switching to Wells Fargo. Your move Golden 1. UPDATE: App is still completely broken and unable to work yet I see the devs responding to the endless complaints saying how everything is all fixed and how diligently they’re working to make sure it doesn’t happen again. YOUR APP IS BROKEN AND HAS BEEN FOR MONTHS. I’ve already made the switch to Discover which I have never had problems with and I would highly recommend everyone here do. We have been patient but you can only be so patient when your banking app doesn’t work at all and you have no access to your OWN MONEY. If I could give negative stars I would. (SWITCH TO DISCOVER) Discover has excellent customer service and their app actually works.

Not sure why Golden1 is rated so high? Don’t confuse the service you get from the branch from the functionality you get out of Golden1 . I’ve used several different banking apps before from 3 of the big 4, banks based in other countries, a bevy of online banks, and local Credit Unions. Golden 1 started of average. It just about all the financial information to help you make wise financial decisions such as; displaying your Credit limit, your adjusted credit limit, etc. These tools helped you verify your account, monitor your cash flow, and check for fraudulent activity. These tools no longer exist in the new app and you have to take G1’s word that they did not mess up on your credit account (which they have for me several times now) and overcharge or even undercharge. No bank/CC does this that I know of and makes me very skeptical of this institution until this is fixed which it won’t be because this is G1.

I love everything about Golden 1! In 2014 my husband and I moved to Arizona and we lived there for 4 years! I was able to keep Golden 1 as my bank and use a sister branch out there for deposits and withdrawals and atm needs! We moved back to California in 2018 and I’m still a member and will continue to be a member!! I have since got my husband to open an account with you guys!! Golden1 is easy to use have absolutely no issues with using it or navigating through it!! My only complaint is that it’s not Apple Watch friendly!! It would be so convenient if the Golden 1 app appeared on my watch!! I hope sometime in the near future you guys can make your app Wathch OS friendly!

The previous iteration of Golden1 was perfectly fine. Now we have the following issues (among others I’m sure): 1-had to delete and reinstall Golden1 twice to get it to remember Touch ID 2- doesn’t interface with Plaid any longer 3- can’t seem to edit transfers more than 30 days in the future, can only delete the entire series 4-why the need to hide/require extra step to see all accounts on the landing page after logging in? 5-visually more difficult. Seems like it’s a lighter weight font…? this app needs to fire whoever did beta testing on this.

The issue with Plaid fixed itself without intervention. I was wrong above about not being able to edit transfers more than 30 days in the future - you CAN’T EDIT TRANSFERS AT ALL regardless of when they occur. You can only delete them. Ridiculous.
Also, you used to be able to see interest on credit cards/loans accruing daily, no longer.

Golden1 is down (“temporarily unavailable, sorry for the inconvenience) a LOT.

I have been with Golden 1 for about 12 years and I used to love them. It seems, though, as they’ve grown their quality of service has also declined.

You have an option you select for if your checking account is ever going to have a charge that will bring it into the negative: you can (1) have your saving account transfer money to cover it (if available funds) or overdraft and the charge will be approved and covered by courtesy pay, or (2) the charge will be declined due to insufficient funds. I have opted into option 2 multiple times now and golden 1 keeps putting me back into option one. One time I found out they had done this because someone had gotten my credit card info and fraudulently spent $900. So I had golden 1 put me back into option 2–not enough money, decline the payment. And once again, they’ve started over drafting me.

I’m a single mom and live paycheck to paycheck and only get paid once a month. I do the best I can but I simply don’t make enough so please don’t judge on that part. I’d rather have my transactions decline at the end of the month than be in a negative balance to start the next month.

The worst app, banking or otherwise, that I have EVER even heard of. The absolute worst. Just to check my balance I have to repeatedly call to have some agent unlock it since the disaster of an update. Just entering my password is enough to lock me out. So I constantly have to call and come up with a new password. Additionally the Face ID doesn’t work at all anymore. I’m about one more time of dealing with this over the past two weeks from just leaving the bank entirely. If you can’t manage an app, then what does that say about how you handle my money? Additionally, the credit union itself doesn’t really seem to think there’s a problem and doesn’t really care, as they aren’t fixing it, and it’s only getting worse. Avoid Golden1 at all costs, and I recommend you avoid this credit union as well. Just the most ridiculously amateurish bank ever.

Golden1 is truly one of the worst banking apps I’ve ever used. I haven’t been able to use the external transfer feature on Golden1 for literally MONTHS to pay my car payment. Every time I click “external transfer” I get an error message stating my request cannot be completed at this time and to try again later. I’ve been getting this error every time I try to make my car payment for the past 4-5 months. Previously, I was able to just go on the website to pay but now the external transfer feature doesn’t work on the website anymore either. Do I really have to call in and talk to someone to make a simple payment? I figured with the big app revamp they did it would fix this but it has made the problem worse. It’s 2021…this is basic technology and I don’t understand why this is such a hassle. Figure it out Golden 1…this is incredibly frustrating.

I’ve used Golden1 with little fuss for a few years now, but this new update has completely shattered the functionality of Golden1 - it’s currently impossible to use solely from mobile I need to log into the desktop site simply to re-set up mobile banking, after quite some time of it working perfectly!

It’s not just Golden1 too - their update to their whole online system has completely broken online banking. My mother has been with G1 for decades and now can’t access her bank account because the update caused the system to forget her phone number. Now she can’t complete a 2factor login because the only numbers the system remembers are land lines from 2005!

Completely flabbergasted by the utter incompetence of this update, to both Golden1 and desktop versions, and I am seriously considering taking my money to another bank.

If you are going to fully rework you’re entire banking app, at a minimum you need to make sure that the login process works well. Face id has not worked properly through the new app and after the first update of the new app. The save user id option does not work either. It may sound like a small gripe, but having to enter all your login info manually every time you use Golden1 is a complete fail IMO. To not have addressed this known issue in the first update is also an indication that Golden 1 is not serious about their customers satisfaction. Ive had iPhones for 10+ years and dont recall ever posting an app store review until now. Please fix this soon, because I’d really hate to have to go back to Wells Fargo over an issue like this. According to the other comments here, there are some other significant issues as well with the new app. Yikes!

I am really disappointed that Golden1 is now requiring iOS 13 or higher. I have an iPhone 7 Plus, and it works fine. But in order for me to use mobile banking, I have to now update Golden1 that worked fine two weeks ago.
I am going to have to update my phone to the latest version, which will cause it to slow down, and probably end up causing me to need to buy a new phone. I am very much against buying a new phone every 2 to 3 years, because of the problems it causes to our environment and to the child laborers who have to break down the old phones. There are toxic materials in iPhones so I try to use mine as long as possible.
I really love Golden 1, but I have moved away from Sacramento. I guess I should find a different credit union with locations near me where I can make deposits, so I’m not reliant on my phone

The new update took DAYS, then you had to “update security” which was extremely glitchy. It took me hours to try to get through all of the new security questions to be able to access MY accounts. Once I was able to log back into my account I had to resign in, which is fine BUT now it won’t save my sign in ID I have to log in completely every time. I have turned on Face ID every time I log in and the option is then erased when I log out. All of my account nicknames were gone, I have several accounts that I transfer to and I had to log in individually and figure out which was which. They completely just started from scratch with this update and I can’t remember that they told us they were basically making it as if we were a brand new member! I can’t stand Golden1 and it is making me reconsider my business with Golden 1

There is truly no easier way to bank! Members can transfer with each other. Mobile deposits are quick and easy to use. You can organize your accounts the way you want. You can have multiple accounts and link accounts with no issues. Best of all, there are no fees, if any. I’ve had Golden 1 app for 5 years now and loves it! Convinced my family to bank with Golden 1 as well! We can all transfer money over to each other with ease and no issues at all!

Suggestions:
1. More than 6 transfer per month with other members would be awesome! I know the fee is very little if you go over, but with how we manage finances today, more than 6 would do great things!
2. Allow for a short note/memo, like with checks, for transfers to help members keep track of their money. I transfer money often with my siblings often and it would be nice if I’m able to notate where the money is coming or going!

There are always room for improvements, but I am a very satisfied member of Golden 1 and it’s App. 5 Stars!

Golden1 was good until the end of October when they did a major overhaul and updated it. Half of the time when trying to login it wont even show your accounts, it will just freeze for a few seconds then exit you out and close Golden1 . When trying to login you can select “face login” and hope to only have to use face id next time you login but it always always resets to default. That means you are stuck typing in your login credentials every single time you try to log on. Why have the option when its clearly not available? Can any of these banks make a decent app that works? This is how I manage my money, i’ll ALWAYS take an ugly app that just WORKS over an app that looks pretty but glitches out constantly, has un-clickable buttons and resets your preferences to default once you close it.

Literally every time I need to use Golden1 or website in a time of need Golden1 is down, not functioning, or the website asks a personal question to prove my identity which then crashes after I answer. Is it really a stretch to view my account balances or make a transfer? Hire people that can make a functioning app, we’re not far from the bay with thousands of computer science majors is it that difficult?
UPDATE: I’ve now gone 72 hours without being able to use Golden1 , I spoke to a representative to configure some new information so I could use my banking however I still am unable to sign in due to an error that came up over system maintenance. This being after Golden1 updated from it previous system maintenance. Thinking of switching banks being that we live in a world of convenience

I’ve never had a problem with Golden One’s app until they switched platforms recently. Now, every time I log into Golden1 , I get kicked out after a few minutes, specifically while in the middle of making transfers. Which is incredibly frustrating. In addition, my budgeting app that I’ve been successfully using for five years disconnects from Golden One pretty much every other day, which is a huge headache. I also can no longer see my available credit balance - it only shows the bill due date and existing charges. Please bring back more credit card details. There’s lots of kinks that need to be worked out. I’m writing this review in hopes to make them aware of the few that I’ve noticed…

I love golden one has a whole, amazing customer service in person at a branch or over the phone with support. Golden1 on the other hand could use some work. It doesn’t remember who I am on my own phone. I save the setting for Face ID and it always turns it back off. I have instant balance turned on and it always turns it off. And it’s always saying service unavailable.

Update: Thank you Golden 1 for reaching out to me with some troubleshooting tips. Like I said amazing customer service, phone support and now tech support!

Golden 1 is great. However, the latest update to their app caused issues with my linked accounts. They fixed it some weeks later but now it’s back to where it started. I deleted Golden1 and downloaded it again but it didn’t fix the problem. Hopefully, they’ll be able to fix this issue soon.

Response - the names to identify each account has been removed to only show the linked account numbers. This is the 3rd time this has happened since the update. The first two times I had to go into the online banking website to add the names/account numbers. Both times I was told by customer service reps that you were aware that it was happening and would fix it.

First off, if you are having issues with Golden1 saving your login info and/or face ID info, delete and re-install Golden1 and it should work just fine!

Now onto Golden1 itself. There are some improvements over the old app such as a new look, extra features, and color coded deposits. However, the new app lacks features the old app had such as more details on transactions, details about credit cards (still shows that you owe $ even though you’ve paid the monthly minimum), and just certain details about your checking account and other details about your credit card accounts.

I understand about needing an update or upgrade, but the look and the change look more like dos a very old program. No style and more difficult to read or research. Before the update I could calculate by bills and take a picture. The style was clear and easy to use. Not happy with the update. Miss the other style before the current change. Question is this the complete change. If so will not be using it all like before. Very unhappy.

This feature really helps on saving time, vehicle expenses and expose to illnesses.
I would also recommend that all of The Golden 1 branch’s have glass separation between the teller line and members to protect both parties.
It was extremely sad to come to that realization, but very important in keeping a safer & healthier environment. I absolutely loved being able to speak with the members and staff without a barrier! It was extremely hard for me to suggest this!!
Grateful for my family and The Lord making it possible for me to be with them. I pray God Will protect each and everyone of you thru this storm. Remember to show kindness, compassion and most of all LOVE!
Blessings,
Crystal

Love the simple, calm feeling and uncluttered interface of the this app app. this app: Please don’t ever change the simplicity and clean interface of your app.

I have to use the Wells Fargo Bank app to take care of my mother’s business and really dislike all the distracting clutter and noisy interface of both their desktop and mobile apps.

I have used Golden1 for years and have generally always been happy with its functionality. Within the past 6 months, however, it is so hard to deposit a check using the mobile deposit feature. It constantly says the amount entered doesn’t match the amount detected. It just took me 8 tries to finally get my check deposited. Fix this Golden 1!

I appreciate Golden 1, so much... you have made my world hang together since my husband’s passing 5 years ago. It has taken me this long to finally feel like I am almost back on my feet. I am so grateful, as my sole support is Social Security... I will be 74 next month... January 2020. It has been a precarious time... THANK YOU!!!

Their app is super convenient and makes it easy to manage my finances. I can just mobile deposit a check in seconds, pay a bill in a few clicks or transfer money to my daughter in moments. G1 you are my institution of choice!

I have been a credit union member for over 20 years. Their services are very good. Customer services are so polite and friendly, knowledgeable and above all they go the extra mile. I am a senior and I appreciate their patiences in explaining things to me.

Golden1 does not open since the last update. A white page comes up when I click on the icon then it closes. Really need this issue fixed immediately

Golden1 is basically ok. However the mobile pin entry page is whited out. It used to be fine but now it’s so obscure that there is now way to use it. Had to go back to reg password page which displays just fine. Instant balance feature works fine

I would like to be able to see my payment activity not just what’s pending. I’ve had issues recently with my activity not showing up causing me to make redundant payments. If you could please correct/fix this bug/issue in the mobile app that would be awesome.

The location utility for finding ATMs and branches is absolutely worthless. Every time I’ve needed to locate an ATM or branch, the location utility has led me on a wild goose chase, usually leading me to some residential neighborhood and no ATM in sight. There’s been too many wild goose chases.

The fact that they can not manage something as simple as a location utility makes me wonder about how safe and secure the rest of Golden1 is.

Easy to use and clean. Would love to see ability to save multiple (user) accounts so it is easier to switch in between accounts instead of typing in each user/pw each time.

I used to be able to view all my transactions. Now I can only see what is on the current statement. Also 2 factor security should be optional. I do not like it. Too much to do just to log in. Old version worked fine. Why mess with something that works?

I’ve been trying to set up my mobile PIN and when I get to the screen the numbers don’t show up. They’re still there, as if I press where I’d think the 4 should be I end up hitting the 1, but I guess they’re in a white font on a white background or something. Please fix this!

Keeps customers informed, easy to use their services and helpful when entering inside the bank to take care of business.

Best app ever. I can manage deposits, transfers I can view my account anytime anywhere. I have notifications set up to alert me of all my account transactions . Love it