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Up to $50,000. As low as 11.65% APR.
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Help your business grow with the convenience of our worry-free checking account.
Enjoy the convenience of higher transaction limits with low monthly fees.
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Ensure peace of mind and keep your business going with overdraft protection.
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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.
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Up to $5,000
$15 per use
With overdraft protection linked to your Business Checking or Business Interest Checking account at Patelco, you can cover any transaction up to the available amount of your Line of Credit.
Here’s how it works: We’ll connect your overdraft protection line of credit to your business checking account. Whenever your account balance drops below zero, funds in $250 increments, and up to $5,000 or available amount in the LOC, are automatically transferred to your checking account to cover debit card purchases, ATM withdrawals, online bill payments, and checks — helping you avoid overdraft fees and late charges.
Funds are transferred to your linked business checking account if your business checking account is overdrawn
Relax knowing you’re covered with a business overdraft protection line of credit
Rates as low as 10.65%1
Pay only $15 each time funds are transferred
Here’s what you need to get started:
Rates Effective 01/01/2026
To open a business overdraft protection LOC, you will need an eligible Patelco business checking account with an opening balance of at least $100. Overdraft Protection Line of Credit also requires an application of credit.
In addition to interest paid on the amount transferred to cover the overdrawn, your account will be charged a $15 flat fee each time funds are transferred to your checking account. If your payment is 15 or more days late, you may be charged up to $24, not to exceed your account balance. Note that each overdraft will be increments of $250 per use, and up to the available amount in the Business Overdraft Protection Line of Credit account.
Contact Patelco’s Virtual Branch™ to get started.
To be eligible for an overdraft protection LOC account at Patelco, your business must be established for at least two years. A full credit application will also need to be submitted for consideration.
This process is fully automated for your peace of mind. Whenever your account balance is less than $0, overdraft protection funds will automatically transfer into your checking account. Note that this product can only be used for Overdraft protection.
You can link an eligible Business Savings account as an overdraft protection source, which has no usage fee or interest on the overdrawn amount.
1 APY=Annual Percentage Yield. Variable rates are valid as of 01/01/2026 and are subject to change after account opening without notice
* Variable rates (as of 01/01/2026) – change based on the Prime rate.
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.
