The right checking account can build a strong foundation — find one tailored to your unique needs.
The right savings account helps you grow toward your goals — find one that fits your needs and lifestyle.
Manage your Patelco accounts effortlessly with our comprehensive support services.
Low rates, no annual fees — Patelco credit cards fit every lifestyle and financial goal.
Flexible loans and lines of credit to consolidate debt or cover life’s big expenses
Flexible lending options and programs for new and existing homeowners.
Take advantage of one of life’s biggest investments.
Drive off with an affordable new or used vehicle, or save on one you already own.
Have your fun and freedom with a great loan that fits into your financial plan.
Explore payment options and answers to commonly asked questions about loan payments with Patelco.
Up to $50,000. As low as 11.65% APR.
Get support managing your personal loans and much more.
Learn more about our local expertise, guidance and personal service.
Get support managing your loans.
Get support managing your auto loans and much more.
Get support managing your debit and credit cards and loans.
Tailored investment solutions to help you plan, invest, and secure your financial future.
Comprehensive insurance solutions to protect your assets and loved ones.
Complimentary one-on-one guidance from our Certified Financial Specialists.
Connect with us and find the right insurance option that fits your needs.
We provide a number of banking solutions to help your small business grow with peace of mind and personalized service.
Help your business grow with the convenience of our worry-free checking account.
Enjoy the convenience of higher transaction limits with low monthly fees.
Earn rewards points on your purchases with extra security features, tools and benefits.
Ensure peace of mind and keep your business going with overdraft protection.
Everything your business needs — from hardware to software — to process payments.
Simple and secure Payroll Solutions to help you better manage your business.
A convenient, secure account that helps your business grow with no monthly fee.
Get the most out of your Patelco Business relationship with a rate as high as 3.25% APY.
Meet with our Virtual BranchTM to open your account from the comfort of your home or business. You can schedule a video appointment or meet instantly with a Patelco team member.
Patelco’s Digital Banking provides secure, convenient access to your accounts anytime, anywhere. Manage your finances effortlessly with our comprehensive suite of online and mobile services.
Sign up for Patelco Online™ to access and manage your accounts securely.
Schedule a video appointment or meet instantly with a Patelco team member.
Send and receive money instantly with friends and family using Zelle®.
Manage accounts, pay bills, and transfer funds securely from any device.
Transfer funds between accounts or send money to others quickly and securely.
Bank on the go: check balances, deposit checks, send money and more.
Schedule and manage your bill payments online with ease and confidence.
Make secure, contactless payments using your mobile device at participating merchants.
Download our Mobile App to check your balance, make transfers, pay bills, deposit checks, plan and save securely and conveniently from your phone or tablet.
Patelco Credit Union is a full-service, not-for-profit financial cooperative dedicated to helping members and communities prosper. With nearly $10 billion in assets and over 550,000 members nationwide, we are one of the largest credit unions in the nation.
Learn more about Patelco’s community values, service in action, impact, events and partnerships.
As your trusted financial partner, we’re solely focused on helping our members build and sustain their best financial lives. Learn what makes Patelco membership different.
Get expert guidance, tools and support to take control of your financial future — from fraud prevention to education, relief options, and personalized advice.
Protect yourself from scams with tools, alerts, and tips to keep your info secure.
Explore financial hardship resources, loan relief options, and personalized support.
Tune in for expert interviews and real-life stories to help you master your money.
Get one-on-one coaching and tailored financial guidance from our financial specialists.
Join live and on-demand webinars to grow your financial knowledge and confidence.
Access tools, articles, and interactive course to support smarter financial decisions.
Access articles, guides, and tools to enhance your financial knowledge.
Access to your accounts anywhere, anytime
Manage your small business finances with the tools and personalized service you expect from Patelco.
Minimum average daily balance of $1,000
$10 waived with minimum average daily balance
Unlimited debit card/ATM transactions
A Patelco Business Checking account offers you convenient online banking and account management so you can focus on growing your small business.
Access your business checking account anytime, anywhere through Patelco Online™ and our top-rated Mobile App1.
Head to Patelco Online™ for convenient digital banking services, including:
Waive the $10 monthly fee with $1,000 minimum average daily balance
Use your debit card as much as you want: there’s no limit on debit card or ATM transactions2
Cover unexpected shortages of funds in your account with a linked savings account credit card, or business overdraft account
Make 100 monthly transactions without paying extra fees
A Patelco Business Checking account has a low $100 opening deposit, a low monthly fee ($10), and no fees for your first 100 transactions each month. (Exceed that and we’ll charge $0.25 per transaction.) Maintain an average daily balance of $1,000 and we’ll waive your monthly fee.
With a Business Checking account, you can also manage your finances with our digital banking platform, Patelco Online™, as well as our convenient, top-rated Mobile App. You also have all the benefits that come with becoming a Patelco member.
There are 3 main fees to be aware of:
Open your account with an initial deposit of $100. Maintain an average monthly balance of $1,000 and we’ll waive the $10 monthly fee, too!
Head to any of 30,000+ fee-free ATMs to avoid charges. If you use your card at a non-Patelco ATM, you’ll be charged $1.75 per transaction.
Please note we are unable to provide business banking services to certain types of business. The detailed list is included at the bottom of this page.
A Patelco Business Checking account provides free overdraft protection with a linked account or credit card so you can manage your finances worry-free.
That’s not all – you also get access to extra security features, tools, and benefits to fit your business’ needs.
Meet with a Virtual Banker to open your account from the comfort of your home or business. All you’ll need to get started is a government-issued document showing your Tax Identification Number and your current business address. Check out our Business Banking account checklist for more details.
1 Source: over 22,000 five-star reviews on the App Store.
2 Accounts are subject to a $0.25 transaction fee if account exceeds 100 transactions each month. Accounts are subject to an excess cash fee of $0.50 fee per $100 deposited or purchased after $5,000 in cash.
The following is a non-exclusive list of business types that Patelco does not serve: (1) any business subject to any sanctions prohibitions administered by the Office of Foreign Assets Control; (2) medical marijuana dispensaries or any other business involved in the marijuana industry; (3) money services businesses or MSBs (ATM machines, check cashing, vending machines, cash-intensive businesses, etc.); (4) gambling businesses; (5) digital currency businesses; (6) third party payment processors; (7) prostitution businesses, whether legal or not; (8) embassies, consulates, and diplomatic missions; (9) pawn shops or pawnbrokers; (10) anonymous ownership entities; (11) adult entertainment businesses; (12) firearms and ammunition manufacturing businesses; (13) businesses that advocate violence or hate against any group or individual; (14) businesses that are engaged in an activity that is illegal under state or federal law; (15) businesses that present a high degree or risk, and (16) businesses that could be detrimental to Patelco’s reputation or values.
