The right checking account 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 12.40% APR.
Get support managing your debit and credit cards and loans.
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Complimentary one-on-one guidance from our Certified Financial Specialists.
Connect with us and find the right insurance option that fits your needs.
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.
Manage accounts, pay bills, and transfer funds securely from any device.
Bank on the go: check balances, deposit checks, send money and more.
Make secure, contactless payments using your mobile device at participating merchants.
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Transfer funds between accounts or send money to others quickly and securely.
Send and receive money instantly with friends and family using Zelle®.
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 500,000 members nationwide, we are one of the largest credit unions in the nation.
Higher savings, better rates, and fewer fees. Patelco membership connects you to more.
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Access to your accounts anywhere, anytime
Keep your business moving forward with an interest-bearing checking account.
0.05% APY1
$20 waived with $5,000 average daily balance
Do more with your banking with a Patelco Business Interest Checking account. It’s a great option if you regularly maintain an average monthly balance of $5,000 or more and want to earn interest on your account.
We’ll waive the $20 monthly fee if your account meets the $5,000 monthly balance requirement. And with up to 500 free transactions per month2 and access to Patelco’s online banking tools, your small business has the flexibility it needs.
Contact the Patelco Virtual Branch™ team to get started today!
$20 per month — waived with a $5,000 average daily balance
Pay $0.25 for each additional transaction2
Cover unexpected shortages of funds in your account with a linked business savings account, credit card or overdraft protection account
Use your debit card for recurring payments, subscriptions, and other business expenses
Rates Effective 12/05/2023
$5 waived with minimum daily balance of $500
Here are some of the documents you’ll need to get started.
When you’re ready, our Virtual Branch™ can help you set up your account.
An interest-bearing checking account is a type of business checking account that earns interest on the account balance. This means that you can earn money on the money you keep in the account, even if it’s just a small amount.
The monthly fee for Business Checking is $20, but that fee will be waived if you maintain an average daily balance of $5,000 each month. If you exceed 500 transactions per month, your account will be charged $0.25 per additional transaction. Business Interest Checking accounts are also subject to a cash fee of $0.50 per $100 deposited or purchased after $10,000.
Our Virtual Branch™ team can help you get started. To open your account, you’ll need to:
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.
Your Business Interest Checking account works just like any other checking account. Write checks or use your debit card to make payments and ATM withdrawals. To deposit money into your account, use our top-rated Mobile App to make mobile deposits, visit a Patelco branch, or use one of 30,000+ fee-free ATMs.
Patelco Online™ and our Mobile App provide fast, easy ways to move money between your Patelco accounts or other bank accounts. Add your Patelco debit card to the digital wallet on your mobile phone to make payments on the go.
With a Business Checking account, you get:
Some drawbacks to an interest-bearing business checking account may include:
Ultimately, the decision of whether to open an interest-bearing checking account depends on your business needs and financial situation. If you want to earn interest on your money and don’t mind meeting certain requirements, then a Business Interest Checking account may be a good option for you.
1 APY=Annual Percentage Yield. Variable rates are valid as of 12/05/2023 and are subject to change after account opening without notice.
2 Accounts are subject to a $0.25 transaction fee if account exceeds 500 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.
3 Source: over 22,000 five-star reviews on the App Store.
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.
