Access to your accounts anywhere, anytime
Access 30,000+ fee-free ATMs and manage your money with ease using our top-rated Mobile App
0.05% APY1
$5 waived with minimum daily balance of $500
The Patelco Interest Checking account is a great option if you regularly maintain a daily balance of $500 or more and want to earn interest on your account.
The $5 monthly fee is also waived if your account is set up for a monthly direct deposit of $100 or more, or if you’re a Patelco Commitment Household Member.
Plus, payday can come even sooner when you set up direct deposit for your account. Get paid up to two days early — without an additional fee.2
It takes minutes to open a Patelco Interest Checking account.
Set up Direct Deposit and access your funds up to 2 days early
Pay with confidence with Digital Wallets and Zero Liability Protection
Automatically grow your savings with every purchase you make
Find one near you on our Mobile App
Choose from Zelle®, Bill Pay, wire transfers and more in our top-rated Mobile App3
Purchase gift cards and get 2%-20% bonus value with Patelco Prizeout
Rates Effective 01/01/2023
Minimum Balance
Min. Balance
APY
APY1
Patelco is a member owned, not-for-profit financial cooperative. When you join Patelco, you become a member and a shareholder. That’s why we’ll deposit one share ($1) in your Share Savings account when you join. Our mission is to help members achieve lifelong financial well-being so you can live happier, fuller lives. Unlike the big banks or other for-profit financial institutions, we invest our profits back in our members with better rates and low- to no fees. We also offer free financial coaching to anyone who wants to improve their financial situation. Members have told us that they feel seen, heard, informed, and supported to make more confident financial choices. Membership is free. You become a member when you open an account with us. Check out all the benefits of Patelco membership.
It’s easy to waive the $5 monthly fee if you meet one (or more) of the following requirements:
You will receive your debit card in the mail typically within 5 business days after you’ve opened your account. Or, you can pick up a debit card at a branch near you.
You can find one of the 30,000+ fee-free ATMs at patelco.org/locations or on our Mobile App.
Members who set up direct deposits into their Patelco checking, savings, or money market accounts can get paid up to 2 days early2 — so you can access your funds faster.
We recommend you place your first order of checks with a team member for security reasons. Reorders can be made through Patelco Online™ or our Mobile App.
Your Patelco checking account comes with a free Debit Mastercard® that lets you make purchases easily and securely:
Your checking account also connects you to Patelco Prizeout in our App. Purchase gift cards from top brands for groceries, gas, travel and more, with up to 20% bonus value.
1 APY=Annual Percentage Yield. Rates are valid as of 01/01/2023.
2 Early access to direct deposit funds depends on the timing of the receipt of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
3 Source: over 22,000 five-star reviews on the App Store.
Mastercard and Mastercard Global Service are registered trademarks, and the circles design is a trademark, of Mastercard International Incorporated.
Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
