The Golden 1 Credit Union routing number

321175261. Golden 1 uses that single number for personal and sole proprietorship accounts — direct deposit, ACH debits and credits, and incoming wires all route on it. Business Services accounts are the one exception.

Personal banking

321175261

Sole proprietorship

321175261

Business Services

121182852

Address for wires

Golden 1 Credit Union, 8945 Cal Center Drive, Sacramento, CA 95826

Member support

1-877-GOLDEN 1 (1-877-465-3361)

The routing number is the easy half. For a checking direct deposit Golden 1 asks for the Book Number — its own words — the middle ten-digit figure at the bottom of a Golden 1 check, after the routing number.

1. 1

   From a paper check

   Ten digits in the middle of the bottom line, after 321175261.

2. 2

   From the G1 app or online banking

   Open the account, tap Account Information, then the eye icon beside Account number.

3. 3

   From a monthly statement

   The checking account number is the Book No.; savings sits in the top corner of page one.

Nothing, on the ACH side. Golden 1’s Electronic Fund Transfers disclosure puts it flatly: it does not charge for direct deposits to any type of account, and does not charge for preauthorized payments from any type of account. The fees that exist sit around the edges.

Those come from the Consumer Services Fee Schedule effective 1 July 2026, which Golden 1 reserves the right to change at any time — treat the current PDF as the authority.

Same number. Golden 1’s wire instructions give the ABA as 321175261 for personal and sole proprietorship accounts, addressed to Golden 1 Credit Union, 8945 Cal Center Drive, Sacramento, CA 95826 — the same street address the Federal Reserve’s ACH file carries. Incoming wires post through the day, Monday to Friday, in US dollars only.

• From overseas: Golden 1 has no IBAN. Its BIC is GCUNUS62 for personal and sole proprietorship accounts, GCUNUS6201 for Business Services.
• Incoming wires are free. Outgoing costs $25.00 domestic and $40.00 international, and Golden 1 says correspondent or receiving foreign banks may add charges it cannot predetermine.
• Outgoing wires must be started in person at a branch, by 1 p.m. Monday to Friday to leave the same day. Business members approved for Wire Origination use Business Online Banking.

Golden 1 also warns an international wire can take up to fifteen days to post, with a tracer available after ten business days; a domestic tracer is available after two. Confirm any currency-conversion rate, fees and expected delivered amount with the sending institution before authorizing the transfer.

Golden 1’s general policy is to make cash, check and electronic direct deposits available on the same Business Day it receives them, while reserving the right to delay by up to two Business Days. A Business Day is Monday to Friday, excluding federal holidays. Golden 1 does not publish an ACH receipt cut-off in the sources checked.

To stop a recurring ACH debit, Golden 1 must have your oral or written request at least three Business Days before the payment is due. A stop can run up to thirteen months, and Golden 1 may require written confirmation within fourteen calendar days to keep an oral one alive. If Golden 1 fails to stop the payment after receiving a timely order, it says it is liable for reasonable losses connected to that failure.

Worth reading twice before a payroll switch. Golden 1’s membership agreement says that if a transfer identifies the recipient or the institution inconsistently by name and account number, it may rely on the account number even if that number identifies a different party. The name does not rescue a wrong number.

ACH credits are provisional until final settlement, too: if Golden 1 is not paid, you agree to refund what was credited. For an error already on a statement the window is sixty days from the first statement showing it; Golden 1 then has ten Business Days to decide, or up to forty-five to investigate with a provisional credit.