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
Premium benefits that protect your financial health
For you and your family
$6.95
For the member who wants to build their financial health, establish strong savings habits, and protect their money — Plus Checking fits right into your life. This one-of-a-kind package partners with industry leading providers EZShield® and BaZing to give you all the benefits of our everyday checking account, plus so much more. If you’ve ever been concerned about identity theft, damaged your cell phone, or got stuck with a flat tire, the Patelco Plus Checking account comes with protection designed to put your mind at ease and safeguard your financial wellness.
In addition to all the benefits you’d get with a traditional Patelco checking account, for a low monthly fee of $6.95, you’ll get the additional benefits:
Set up Direct Deposit and access your funds up to 2 days early
Pay with confidence with Digital Wallets and Zero Liability Protection
Access your accounts on the go
Find one near you on our Mobile App
Choose from Zelle®, Bill Pay, wire transfers and more
Automate alerts such as direct deposits or low balances to stay on top of your finances
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 advice 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. Learn more about all the benefits of membership.
The Plus Checking account is loaded with benefits at great value so you don’t have to pay more for protection elsewhere. For comparison, cell phone insurance typically costs $7-10 per month. Identity Guard Family costs $12.50 – $34.99 per month. Roadside assistance costs $50-$156 a year. You get all these benefits and more for a low monthly fee of $6.95.
Enroll at the Patelco Plus Benefits website using your email address and temporary password emailed to you after account opening. Or download the Patelco Plus Benefits App5 for iOS or Android. You’ll be able to access all of the benefits that come with your Plus Checking account on the website or Patelco Plus Benefits App.
All Plus Checking account holders and family members can take advantage of this service. For example, if you have a college student living away from home, this benefit can help provide extra peace of mind. Call 855.822.9464 or use your Patelco Plus App and click on Roadside Assistance. We’ll cover up to $80 per incident, 4 times each 12 months — for towing, flat tire, battery, and more.
It’s an easy way for you to automatically put money into your savings account with every debit card purchase. Every debit card purchase gets rounded-up to the nearest dollar with the rounded-up amount automatically transferred from your checking account to your savings account. We will match 10% of the rounded-up amount and deposit it into your savings account up to $500 per year. Connect with us to set up this benefit.
You must pay your cell phone bill from your Plus Checking account. Make sure to set up automatic monthly payments with your provider, or log in to Online Banking to use Bill Pay. It’s that simple! We’ll cover up to 3 phones with $400 maximum per claim ($800 maximum, or 2 claims per year. Only broken or stolen phones are covered.)
As part of your Plus Checking benefits, you’ll receive free credit monitoring across all 3 bureaus, including free quarterly credit report. You’ll also receive alerts if anything on your credit profile changes.
Use the Online ID vault for sensitive information, documents, and passwords you want monitored and protected. After you open your account, we’ll tell you how to access the Online ID vault and set up your account. Receive coverage for you and your family with up to $10,000 a year of theft insurance to help cover charges accrued due to the theft (e.g. lawyer’s fees, lost wages) Fully managed ID Restoration Pro for the entire family to discover, isolate and prevent future fraud. Monitoring of public records, the internet and dark web, payday loans, and other places your information doesn’t belong.
You can use any ATM worldwide and receive automatic reimbursement of ATM fees by the end of the day, for up to two reimbursements per month.
You can enjoy local and national discounts on dining, entertainment, travel, health and shopping at thousands of merchants and stores you love like Target and Walgreens. Access the discounts on the Patelco Plus Benefits App powered by BaZing. You can even turn on alerts to receive notifications for discounts near you.
Your Patelco checking account comes with a free Debit Mastercard® that lets you make purchases easily and securely:
Meet Patelco members as they share their Patelco love story.
My name is Jerry. I’ve been a Patelco member for 15 years. They gave me the best advice without looking for personal gain. My name is Angela. I’m currently refinancing my car with Patelco. I’m also using their checking and savings. My name is Aki. If I think about it over the course of 22 years, I’ve probably saved thousands of dollars in fees. My name is Elmer. Patelco is part of my financial strategy. It’s just easy.
Wonder where your money goes? Learn what a budget is, how to make a budget and get budgeting tips to keep you on track to reach your financial goals.
Are you considering using automatic bill payments? Find out the benefits and disadvantages of automating your bills to decide what is best for your finances.
Read this article to find out how to form good spending habits so you can stay on budget and reach your financial goals.
1 Cell Phone Protection is subject to additional terms and conditions. Identity, Credit, and Round-Up features all require enrollment. Participating merchants on Patelco Plus are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals. Policies and account features subject to change without notice.
2 ATM fee rebates, where offered as part of a checking benefit, apply to cash withdrawals using your Mastercard® Debit Card wherever it is accepted. ATM fee rebates do not apply to any fees other than those assessed for using an ATM to withdraw cash from your Patelco Credit Union account. Patelco Credit Union reserves the right to modify or discontinue the ATM fee rebate at any time. See Member Handbook for more details.
3 The credit score is not necessarily the same score used by other credit bureaus.
4 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
5 The Patelco Plus Mobile App (powered by BaZing) is available on the App Store and Google Play Store. Eligible account holders of Plus Checking may download and login to the Patelco Plus Mobile App using a valid email address and temporary password provided at the time of account opening. Not all versions of Android and iOS are supported.
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.
