Remain vigilant for Patelco phone number spoofing. Our Patelco team will never reach out to you directly to ask for your card details, like expiration date or CVV code.
Our branches and call center are closed Monday, September 2.
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 our payment support center to learn more about loan modification options.
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
Find out how to manage your checking account, direct deposit, payroll disbursement, and overdraft protection.
With Patelco Online™ you can securely manage your checking account.
Direct Deposits typically clear sooner than paper checks, which means you get your money faster — whether it’s a paycheck or a benefit payment.
To set up your account for Direct Deposit, download and fill out the Patelco Direct Deposit authorization form. Then give the completed form to your employer or benefit provider.
When you fill out this form, remember to use the correct account number formats. Your complete savings account number can be found by clicking or tapping on the savings account in Patelco Online™ and then selecting the Account Details tab. If you need more help, refer to the “How to find your account numbers” section below.
Automatically divide your paycheck among your Patelco accounts.
When you use Direct Deposit, you also have the option of dividing your paycheck among your Patelco accounts. This is a great way to set up automatic saving for a large purchase, like a home down payment, a vehicle, or a vacation.
To set up a Payroll Disbursement, complete this disbursement form and mail it back to Patelco. (Our address is on the form.)
Remember to use the correct account number formats to ensure your money is disbursed correctly. If you need help, refer to the “How to find your account numbers” section below.
What you’ll need:
If you’re ready to order checks with your existing account information, order checks now with Harland Clarke.
Need to change the address or name on your checks? Call us at 800.358.8228 or visit a local branch.
Checks may only be ordered for checking or Money Market accounts.
Patelco’s routing number
Patelco’s routing number is 321076470.
Locating your checking or Money Market account numbers
Account numbers for Checking and Money Market accounts are 14 digits long. Your account number appears along the bottom of checks, to the right of our ABA/Routing Number.
You can also find your complete account number by clicking or tapping on the account in Patelco Online™ and then selecting the Account Details tab.
What do the numbers mean?
Patelco accounts begin with “746” followed by zeroes (0000), your account number, and a two-digit account type identifier.
For example, the complete checking account number for account 12345-10 is 74600001234510 (746 + 0000 + 12345 + 10)
You’ll need to use your complete checking account number when submitting direct deposit, paycheck disbursement and overdraft protection forms.
Bank by phone anytime – get your current balance, make transfers, and hear your recent transactions.
You’ll need your Member Number and a telephone banking PIN to use telephone banking. Create a PIN by calling 800.358.8228 and selecting option 4 from the main menu.
Once you have your PIN and your Member Number ready, call 888.766.2424 and easily:
Send money to or from anywhere in the world. Details on our domestic wire transfer services can be found here.
Branches are generally able to accommodate cash withdrawals up to $5,000 per day. Members needing withdrawals over this amount should contact their nearest branch. You may withdraw a maximum of $500 in cash per day at shared branch.
You may mail check deposits and payments to: Patelco Credit Union P.O. Box 2227 Merced, CA 95344 Please be sure to include your full account number on the back of each check you send, below your signature. Sign up for Patelco Online™ and use Anywhere Deposit to deposit checks via online banking or our Mobile App. We do not accept cash in the mail. To deposit cash, please visit your nearest Patelco branch or ATM. Additionally, many CO-OP Shared Branch Network locations accept cash deposits to Patelco accounts, in addition to offering other services like withdrawals, transfers, cashier’s checks, and more. Locate a shared branch >
To get started with a business account, contact our Virtual Branch here.
The fee is $10, in addition to service fees that vary depending upon the item and its collection process.
Yes, you can deposit a payroll check using the Anywhere Deposit service in online banking and our Mobile App.
No. You can keep your Patelco account open if you move outside California. Even better – you can still transact quickly and easily using online banking, our Mobile App, and thousands of CO-OP Shared Branch Network locations, which offer services like deposits, withdrawals, transfers, cashier’s checks, and more. We have many out-of-state members who use Patelco for all their financial needs! To locate ATMs and branches out-of-state, visit patelco.org/locations or tap the location icon in our Mobile App.
Shared branches in the CO-OP Shared Branch Network are unable to cash checks. However, you may deposit checks into your Patelco account at shared branches — in addition to making transfers, purchasing cashier’s checks, and doing other banking. Locate a shared branch >
Please check your account first to determine if the funds were deducted. If the funds were deducted, notify Patelco so that we can open a dispute with the ATM owner on your behalf. For the dispute, we need you to identify your member number, the account from which the funds were withdrawn, the withdrawal date, the amount you requested from the ATM, and the ATM location. You can provide this information via the MESSAGE CENTER widget in Patelco Online™, by calling us, or by visiting any Patelco branch. If you call us at 800.358.8228, please use extension 1306 to reach our Card Services department directly to file your claim.
Call us at 800.358.8228.
Yes, we will add this upon request.
