Frequently Asked Questions About Golden 1 Credit Union Routing Numbers
Is Golden One the same as Golden 1 Credit Union?
Yes, Golden One and Golden 1 Credit Union are the same financial institution. Many members refer to the credit union as "Golden One" in everyday conversation, but the official name is Golden 1 Credit Union. Whether you search for Golden One routing number or Golden 1 routing number, you'll use the same routing numbers: 321175261 for personal accounts and 121182852 for business accounts. The credit union's branding, website, and official documents all use "Golden 1" as the standard name.
Why does Golden 1 have two different routing numbers?
Golden 1 uses separate routing numbers to distinguish between personal and business banking services. Personal accounts use 321175261, while business accounts use 121182852. This helps ensure transactions are processed through the appropriate banking channels and helps Golden 1 maintain proper records for different account types. Always use the routing number that corresponds to your specific account type.
Can I use my Golden 1 routing number for international transfers?
No, Golden 1 Credit Union is not part of the SWIFT network and does not have a SWIFT code. For international wire transfers, the sending financial institution must forward funds through their U.S. correspondent bank, which will then credit your Golden 1 account. You'll need to provide the routing number 321175261 along with your account information to the correspondent bank. International wire transfers can take up to 15 days to post to your account.
What's the difference between ACH and wire routing numbers at Golden 1?
Golden 1 uses the same routing number for both ACH and wire transfers. Personal accounts use 321175261 for all transaction types, including ACH transfers, direct deposits, wire transfers, and bill payments. Business accounts use 121182852 for all their transactions. This simplicity makes it easier to set up automated payments and transfers without confusion about which routing number to use.
How do I know if I have a personal or business account at Golden 1?
Check your account opening documents or monthly statements, which will clearly indicate the account type. If you opened a regular checking or savings account for personal use, you have a personal account (routing number 321175261). Business accounts are specifically designated for sole proprietors and business entities and use routing number 121182852. You can also call Golden 1 customer service at 1-877-465-3361 to confirm your account type.
How long do wire transfers take with Golden 1 Credit Union?
Domestic wire transfers through Golden 1 typically take one to two business days to be received. To send a wire transfer the same day, your request must be submitted at a Golden 1 branch before 1:00 p.m. on a business day. Requests received after 1:00 p.m. may not be sent until the following business day. International wire transfers can take significantly longer, up to 15 days, as they must be processed through correspondent banks.
