The right checking account can 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 11.65% APR.
Get support managing your personal loans and much more.
Learn more about our local expertise, guidance and personal service.
Get support managing your loans.
Get support managing your auto loans and much more.
Get support managing your debit and credit cards and loans.
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.
We provide a number of banking solutions to help your small business grow with peace of mind and personalized service.
Help your business grow with the convenience of our worry-free checking account.
Enjoy the convenience of higher transaction limits with low monthly fees.
Earn rewards points on your purchases with extra security features, tools and benefits.
Ensure peace of mind and keep your business going with overdraft protection.
Everything your business needs — from hardware to software — to process payments.
Simple and secure Payroll Solutions to help you better manage your business.
A convenient, secure account that helps your business grow with no monthly fee.
Get the most out of your Patelco Business relationship with a rate as high as 3.25% APY.
Meet with our Virtual BranchTM to open your account from the comfort of your home or business. You can schedule a video appointment or meet instantly with a Patelco team member.
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.
Send and receive money instantly with friends and family using Zelle®.
Manage accounts, pay bills, and transfer funds securely from any device.
Transfer funds between accounts or send money to others quickly and securely.
Bank on the go: check balances, deposit checks, send money and more.
Schedule and manage your bill payments online with ease and confidence.
Make secure, contactless payments using your mobile device at participating merchants.
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 550,000 members nationwide, we are one of the largest credit unions in the nation.
Learn more about Patelco’s community values, service in action, impact, events and partnerships.
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.
Access to your accounts anywhere, anytime
The right checking account helps build your finances on a strong foundation. Explore our checking solutions tailored for your unique needs.
Take advantage of no fees or minimums with our everyday, worry-free checking account.
Free Checking
$0
Free and easy. You’ll also enjoy no minimum balance required, free overdraft transfers from a linked account, and free ID theft protection. Plus, every debit card purchase includes price protection, 12-month extended warranty and a satisfaction guarantee.
A one-of-a-kind checking account with exceptional benefits and discounts.
Plus Checking
$6.95 monthly fee
$10 minimum
A new kind of checking. Enjoy Worldwide ATM rebates, automatic round-up savings transfers, free credit monitoring, exclusive discounts, roadside assistance and cellphone protection. This is a one-of-a-kind checking account.
Earn interest on an everyday account and easily waive the monthly fee.
Interest Checking
$5 monthly fee, that can be waived.
An everyday account that pays interest. The monthly fee will be waived if you have a monthly direct deposit of $100 or more, minimum daily balance of $500, or a Patelco Commitment Household Member. You’ll also enjoy the security of free MasterCard Identity Theft Protection.
Teach teens to be money smart with no monthly fees and daily limits.
Checking accounts have different features and fees. Most allow you to write checks, use a debit card, pay bills online, and send digital payments — but how do you choose the right type of checking account for you? To help you choose, ask yourself these questions.
Is it important to avoid paying fees on your account?
Do you have money to transfer into the account now?
Are you able to keep enough money in your account?
Do you want to earn interest on your deposits over time?
Do you worry about spending more than you have in your account?
Are you looking for added perks, like ID theft protection, discounts, etc?
30,000+ Fee-free ATMs nationwide
The convenient and secure way to pay in person or online
Set up direct deposit to your checking account and access your funds up to two days early
No-cost personal information protection with your debit Mastercard® for checking accounts
Say goodbye to fees and overdrawn checking accounts when you link certain accounts
We’ll round up your debit purchases to the nearest dollar and deposit it into your savings.
Securely log in to Patelco Online™ or our easy-to-use app to check account balances and FICO® score for free, send money, pay bills, make a mobile deposit, set up account alerts, and more. Get started today with Patelco Online™ or our top-rated Mobile App.2
A checking account allows you to make unlimited withdrawals and deposits designed to allow for day-to-day cash movement. You can easily access your money through digital banking transactions, debit cards, ATMS and old fashioned checks.
It’s easy to set up direct deposit to your Patelco checking account in just a few steps. Log in to our Mobile App or Patelco Online™ to get started. Click here to set up your Direct Deposit or watch this step-by-step demo to learn more. You can also download the Patelco Direct Deposit authorization form and fill it out manually. Give the completed form to your employer or benefit provider. Remember to use the correct account number formats. In Patelco Online™ tap on your checking account, then select the Account Details tab (look for Account Number for Direct Deposit and ACH Transactions).
To join us, you’ll need: Social Security number (or acceptable government-issued document showing your Tax Identification Number), driver’s license or government ID, current home address, and an external bank account to fund your new account (only for accounts opened online).
Yes, checking accounts are insured by the FDIC or NCUA up to $250,000 per depositor, per insured bank.
Patelco is a member owned, not-for-profit financial cooperative. When you open an account at 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.
Typically, there’s no minimum deposit to open a Patelco Checking account, but it can vary depending on the checking account type you may choose. Please see the specifics for the type of account you’d like to open above using our compare tool.
Our routing number is 321076470. For most accounts, your full account (MICR) number can be found by clicking or tapping on the account in Patelco Online™ and then selecting the Account Details tab. Your checking account number is 14 digits long. If you have checks, the Patelco routing number 321076470 appears along the bottom of your checks, to the far left, while your full account (MICR) number appears along the bottom of your checks, to the right of the routing number. You’ll find the routing number by referring to “I” and the account number by referring to “J” in the image below.
Watch this short step-by-step demo to learn how to find your routing or account number using the Mobile App.
1 Early access to direct deposit funds depends on the timing of the submission 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.
2 Source: Over 34,700 5-star reviews across Apple iOS and Google Play app stores.
