I attempted to turn in a vehicle refinance check. The teller refused to take it and said I needed documentation from my bank. I call my bank and they say they don't provide that documentation. So the teller tells me to call their vehicle services department. By the time I get through to the them, the Chico branch is closed and the vehicle services department tells me the branch should absolutely have taken the check or reached out to them about the issue. So now the bank is closed and I'll have to get time off work to drive all the way back to the branch in hopes they will do their job correctly this time. read more

Check your documents carefully. The loan officer specifically told us there would be no prepayment penalties, however when we paid off the loan a $500 early payoff fee. That was on top of their two dollar reconveyance fee. Do not go by what the person says. We never could find in the paperwork where it said there would be a $500 early payment fee, but if you want to refinance your loan you have no choice read more

Love this bank! No fees for checking or saving, they just require you to have at least a dollar in your accounts to keep them open. One of my concerns with credit unions are having enough ATMs and because this is CA based and not Chico based specifically they actually have many options. Diego helped me open an account and he was wonderful, he explained everything clean and made me comfortable to ask all my questions. I'll try to report back in a year and let you know how it's going but so far I'm very satisfied! read more

I saw them integrating a blk female customer who lost her purse from theft alot of the customers don't respect others privacy so be careful I've watched information cross hands that shouldn't and I've notified the managers read more

This is a fantastic credit union. Staff are awesome and if you get your card hacked or stolen, they are quick to respond and get your funds back to you. Only downside is the lack of parking for your car and the fact there's only one branch in all of Chico vicinity. I highly recommend Golden 1. Keep up the great service!! read more

I come to Golden One because they offer services for my credit union that is back home. Very convenient. As with other banks, not much to say, except that their tellers are friendly, but their service can be a tad on the slow side. Something I found interesting is that you need an ID to deposit money into an account (yes deposit, not withdrawal). Overall seems like an a-ok bank to me. read more

I wish I could rate this branch & company negative stars. My parents went in to open an account today with an ESCROW check and they were declined service. As a banker the reasoning they were given for declining services makes ZERO sense to me. They treated my parents terribly. My mom was crying and very shaken because they treated them as if they were fraud. My parents are from California and just moved back and they were so excited to have a local CU again and be back in California. There is absolutely nothing this company can say to my parents or myself to ever earn our business again. You should be ashamed of yourselves. read more

Worst customer service I've ever experienced from a credit union. Let alone the rudest employees at the Chico branch. Being a state worker I was stuck using them. Well after 27 year's I finally had enough. They don't deserve my business or yours. If I could rate them with negative stars I would. Save yourself a lot of time and headaches and avoid this place like your money depended on it. DON'T BANK HERE!!!! read more

The absolute WORST credit union. Everyone in there is rude and their online apps SUCK. There's zero parking available and the brunette that opened my account who sits in the first desk on the left when you walk in is totally rude. She talks over you when you try to ask a question, cuts you off when you're trying to speak and talks too fast because you can tell she is irritated. Save yourself a headache. There are a lot of credit unions in Chico that wouldn't make you feel like you are a burden because you need something explained to you again. read more

This branch is bad. The ATM is never working and their Internet has their hours incorrect so I made a 30 mile drive here to find out they're closed. Poor management. Had to take care of important banking in person and not able to do over the internet. I proceeded to drive to Redding to take care of it. :( read more

I forgot to mention their security is the best I've seen...when I opened my account I couldn't even get into it.

The G1 in Chico is at a very poor location. Virtually no parking exists and no options besides the downtown branch are available. Given we are the largest city between Sacramento and Redding, you'd think we'd have a few more options available to us, even if it were to acquire part of the lot between this branch and Chase next door. Debit cards are farmed out from a third party, so getting a replacement when your card goes belly up takes upwards of 5-10 days which is a huge pain in the butt if you're doing your financial transactions via debit. Their online banking, however, pulls them up out of the one star trenches. The site loads fast, we've never had an issue with security, and the options for setting up payments is very well done. read more

the chico branch is not good they r rude and had other problems and no parking.

Great service, very friend stay. Best of all its free, im not a big fan of huge corporate banks they tend to care about money than their customers. They got a re-financial on my car and I saved $40 a month on my car payment so ai them thumbs uppp!!!! read more

Just left Sierra Central for them and wow what a difference! I had enough Sierra Central saying one thing about refinancing my vehicle then completely changing it a couple months later when that had told me to come back. After checking out a few credit unions I chose Golden1. They are actually helpful! I didn't realize there were banks that still look out for their members. I currently bank at Chase but will probably be switching everything over to them soon. read more

Worst bank to ever exist. No parking, horrible service and be prepared to wait till your hair turns gray. I apparently need to set an appointment to close my account. WTF? On top of all that, they charged me $5. For an address change, just after the branch manager finished telling me they don't charge fees. Again, WTF? read more

I bank with another credit union that is not located in Chico. I have always been able to deposit and withdraw money at Golden 1 since they are part of a partnership with other credit unions. I use the ATM often and typically do not have an issue. Today I used the ATM to withdraw $200. The ATM did not give me my money or ATM card. When I talked with Golden 1, they refused to give me my card or money that was withdrawn from my account. I had to call my credit union to dispute the money and a new card with a new number had to be issued. read more

Every single time I go into Golden One downtown they are unable to help me. It's always one thing or another but it always leads to the same, "Sorry, we can't help you with that." Today I went in to exchange a 20 for quarters and even that was too difficult a task. They also couldn't deposit my paycheck because it's Saturday. Their customer service is terrible. They never go out of their way to make sure your needs have been met. They aren't very pleasant to talk to and I'm usually met with attitude. Also their ATM NEVER works. Never. The other day it was completely off, and today it wouldn't accept checks. It's been a constant struggle for months and the one time I brought it up with someone I was told that I should basically go somewhere else. I'm seriously tempted to switch banks because of their pathetic service. At this point I think anywhere else would be better. read more

This is the worst financial institution I have ever done business with. My partner and I wanted to open a joint acct and since he has an account at this credit union we went to this branch to open an account. BIG MISTAKE The man who helped us didn't have a name tag on and he didn't introduce himself when we sat down. There was no conversation except for the questions he asked us to open the account. No apoligies for us waiting 10 minutes to get helped. No thank you for doing business with us. Nada, zero no personality at all. I asked if I could use my initials on the chceks and he got all flustrated and said that they had to list my name as it was on my ID, you would have thought that I was committing a crime. Do yourself a favor go to a credit union who appreciates your business. read more

Friendly staff, it just alwasy seems like it is much slower than other banks. They have great products and great car loans.

I'm a bit surprised at the negative reviews, except for the parking-- that is a problem! But I've had my checking & savings here for 17 years, and been quite happy with them. Also have liked the help Ive gotten as a walk in customer regarding loans. The online banking has been practically flawless, as well. read more

I don't understand the bad reviews. Golden 1 is pretty great, my money I deposit is nearly instantly in my account, no 1-2 day wait. Sure there's no good parking nearby this particular location, but it's downtown. Get out of your car and walk, it's only a block over! Get some culture! The staff is always really good people in my experience, they did everything they could to get the best option for ME as a student and not for them to line the company's pockets. There was a lot of laughter and conversation in that meeting too! read more

On July 11, I optimistically opened my account here. The agreement with customer service rep Alexis was that my checks will be delivered in about 10 days. I also requested a more readable debit card. Today, July 26, I went in to the CU to ask why neither has been delivered to my mail box yet. I was told that a "hold" had been put on my check printing because the computer didn't like my address!!! Did no one SEE that this was done?! They had my phone # and email address. Someone from New Accounts should be following up! In addition, Alexis never bothered to order my debit card!! I feel like I have had the WORST customer service EVER. I do not recommend this institution!! At all!! read more

I am seriously disappointed in this Credit Union. I almost exclusively LOVE credit unions and how they conduct their business. After moving back to Chico after several years, we decided we needed to switch our accounts to a local institution. They didn't tell us when they set up our checking account, that they were giving us their "poor credit" account. We found out when we tried to make a purchase at Costco for $400 (an average amount for us as a family) and our cards were declined. To get out of this account, and into a regular real checking account, we have to meet a list of criteria - which we've never violated anything on their "list". I have received rude, unhelpful employees both on the phone and in the branch. No one can tell me WHY we were put into this account, nor why we weren't made aware of the restrictions when we opened the account. We will be closing this account t as soon as our direct deposit is corrected. I will NEVER bank here, nor recommend anyone bank here! read more

Fast and efficient! When the lines are long they still get through them quickly! The women and men are all very very kind. I give them a 5 star 100 times. read more

People are nice but the bank services are terrible. If you have a dispute with a company taking money from your account they are pretty much zero help. I'm writing this now because after many years the website is STILL horrible. They are apparently unable to fully secure their system so they constantly want you to verify yourself even if you are signing in on the same computer over and over and often the system is just "unavailable". I was hoping it would finally get better when they did the website over but instead of better it is worse than ever. I can't access my account even if they are on the phone with me. They are always terribly sorry and try to be helpful but until they hire some competent IT people this is just going to be the SameOS with this place. I've only been a member for about four years but the place is not improving and it is getting worse. Not a month goes by that I don't think about changing banks. So, maybe I'l just quit gripping here and go find a new credit union. read more

I have been a member for over 15 years. I have watched their quality progressively decline. Their Chico ATM rarely works. They have poor rates on loans compared with other financial institutions I end up doing business with. Parking is very inconvenient. Seems to be high staff and manager turnover over the years. If you speak Spanish only, you are in luck because most of the staff is Latino. My tenants deposited rent there and Golden1 LOST record of it! Their listed phone number is no longer in service. This place sucks. read more

This credit union branch office is convenient to those who work at the university or in the near vicinity. Parking is abundant in the area, if not always as convenient as it could be - which is no fault of the branch office. The staff are competent and do their best with a balky, somewhat confusing statewide system. It can be challenging to reach the actual branch office on the telephone, but the central telephone exchange for the statewide credit union is no less efficient than comparable systems in other large businesses. The people are generally friendly, though like everyone else have good or bad days; surely we can all be a little more patient and considerate of one another throughout our increasingly hectic lives, and all be the better for it. Like everything else these days, glossy ads do not resemble the more frustrating reality; this credit union is no different. I will continue to do business with this branch office until I have a good reason not to, and in over ten years they have yet to give me one. read more