Golden Checking

Enjoy the perks of experience with a checking account made just for you.

Checking that rewards your milestones.

You’ve worked hard to get where you are today, and we believe your banking should reflect that. Our Golden Checking account is tailored for customers 50 and older, combining everyday convenience with thoughtful benefits.


As a trusted local bank in Minnesota, we know what matters most to you: simplicity, value, and personalized service. Golden Checking gives you all three, with features that make managing your money easy and rewarding.

Why choose Golden Checking?

Golden Checking Account

Specifically designed for customers 50+, Golden Checking offers extra benefits at no extra cost.

  • No monthly service fees
  • No minimum balance
  • Earn interest on your balance
  • Unlimited check writing
  • Access to surcharge-free ATMs nationwide
  • Friendly, personal service from your trusted local bank in Minnesota

Because experience deserves recognition.

At Luminate Bank, we take pride in being your trusted local bank in Minnesota, helping neighbors like you enjoy financial peace of mind at every stage of life. Golden Checking is just one way we show our appreciation for your loyalty and experience, with a checking account that works as hard as you have.


Let’s talk about how we can make your finances even brighter.

*Annual Percentage Yield for the Luminate Brighter Checking, 2.02% APY. No minimum balance. Rates are subject to change after account is opened. Fees could reduce earnings on the account. Rates effective as of 4/14/2025.

Features you’ll love and expect.

Your Golden Checking account includes all the modern conveniences you’d expect from a forward-thinking bank that still puts people first.

A black heart icon on a white background.

Online Banking

Check your balance, transfer funds, and pay bills anytime, anywhere.

Invoice with dollar sign icon.

Bill Pay

Take the hassle out of paying bills with secure online bill pay.

A hand holding a smartphone scanning a check.

Mobile Deposit

Deposit checks without leaving home using our mobile app.

Warning symbol: black triangle with an exclamation point.

Alerts

Stay informed about your account activity with alerts sent right to your phone or email.

Ready to enjoy the benefits of a trusted local bank in Minnesota?

Open your Golden Checking account. The banking account designed just for you.

Sunroom with two wicker chairs, blue walls, and wood floor. French doors lead to another room.

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