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.
Learn more about our local expertise, guidance and personal service.
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.
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.
Schedule and manage your bill payments online with ease and confidence.
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.
Discover all the perks, savings and resources that come with being a Patelco member.
Learn about our history, our core values and our mission to build financial wellbeing.
Meet the people who are dedicated to helping you live your best financial life.
We’re united in our mission to help uplift each other, our members and communities.
Patelco’s latest news and announcements, media and press, awards and more.
See exactly how we’re doing by reviewing our latest financials.
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.
Learn more about Patelco’s community values, service in action, impact, events and partnerships.
Learn about our impact, purpose and involvement in the communities we call home.
Check out our sponsored community events and ones we participate in.
Discover how we can create a stronger culture of financial health for your employees.
Follow and like us to get the latest news, financial tips, and special offers.
Access to your accounts anywhere, anytime
Simplify your business operations, accept more payments, and unlock sales insights with Clover.
Let your customers choose how they pay
Receive your funds in 1-2 business days
Full support for online transactions
Owning a business can be demanding – from tracking inventory and supervising employees to taking orders and everything in between. That’s why we’ve teamed up with Fiserv, an industry leader, to offer their best-in-class payment solutions (Clover) to our business members.
Clover can help simplify your operations with an all-in-one payment processing system and business management solution tailored to meet the unique needs of restaurants, retailers, and service businesses.
With Clover, you can:
Accept a wide range of major credit and debit cards to help increase sales
Card authorizations take seconds, funding happens in 1-2 business days
Give your customers the freedom and flexibility to pay the way they want
Invoice customers, receive payments, set up recurring billing and take your business wherever you go
Clover also provides business owners real-time access to these reporting tools, which can be accessed anywhere, anytime, on your mobile phone or laptop:
We’re here to help your business start a relationship with Clover and explore all the benefits the solution has to offer. Getting started is simple – here’s how it works.
1. Meet with Virtual Branch™ to set up your business accounts
2. Let our team know you’re interested in Fiserv’s merchant services program
3. A Fiserv business consultant will contact you to discuss your business needs and present solutions for your business
4. You’ll sign an agreement with Fiserv and the consultant will help you get up and running
Merchant services provide everything — from hardware to software — that a business needs to process credit or debit card payments for in-store and online stores. Other accepted forms of payment may include Apple Pay, Google Pay, and gift cards. Merchant services include:
Merchant Services can support a variety of business types, including retailers, restaurants, lodging, professional services, and consumer services such as home repair and salons.
The issuing bank will charge the cardholder’s account for the transaction amount. That bank will transfer the funds to the merchant bank (Fiserv in this case), minus interchange fees. The merchant bank will then deposit funds into your business account. It usually takes 1-2 days for funds to be transferred into your account.
Costs may vary depending on your business needs. Authorization fees, or the fee your business pays for credit card transactions, can be percentage-based (1.5% to 3.5%) or a fixed fee. You may also be charged a setup fee, monthly or annual account fees, and statement fees. You will also need to purchase a card reader or POS system.
Clover is Fiserv’s industry-leading point of sale (POS) and business management solution for small to medium-sized businesses (SMBs). In addition to providing contactless payment capabilities, Clover offers more than 450 apps to help businesses streamline their payroll, taxes, inventory management, and more – all through their Clover device. Clover is part of Fiserv, a leading financial services company serving millions of businesses in more than 100 countries.
If you need support with your Merchant Services, please contact your Fiserv business consultant.
© 2023 Clover Network, LLC. The Clover name and logo are registered trademarks owned by Clover Network, LLC and are registered or used in the U.S. and many foreign countries. Use of Clover requires a Merchant Processing Agreement. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.
