Gold Rewards Checking The Gold Rewards Account is our “Premiere Relationship” account. It is a checking and savings account that requires direct deposit and a combined balance of $5,000.00 to avoid service charges.1 The savings account pays high interest rates tiered to reward your overall relationship. Additionally, this account provides: Unlimited check writing 50% discount on safe deposit boxes (subject to availability) FREE GenGold® membership for one year and discounted thereafter1 FREE money orders and treasurer’s checks FREE first order of checks (basic only) A low monthly fee will apply without direct deposit or if your combined account balances drop below $5,000 at any time.1 $10 deposit needed to open each account