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.
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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.
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Access to your accounts anywhere, anytime
Ensure peace of mind and keep your business going with overdraft protection.
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.
