Our branches and call center are closed Monday, February 16.
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.
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
Earn up to 20% cash back on your everyday purchases. Learn more below.
Directly in the Patelco Mobile App
2% to 20% cash back to your checking
Gas, groceries, entertainment and more
Imagine shopping for groceries and getting a 20% cash back bonus into your checking account. With CashBack+ in the Mobile App you’ll earn money, when you spend money on gift cards for your favorite brands and stores. Choose from hundreds of brands and offers and redeem gift cards and cash back typically within minutes. It’s easy, convenient, and a smart way to make your dollars go further.
Purchase gift cards right in Patelco Online™ or the Mobile App
Use for groceries, gas, online shopping and more
Safeway, Chevron, Starbucks, Amazon, plus many more!
Get 2% to 20% cash back when you buy gift cards
Pay within the app and redeem in-store or online
Gift cards that don’t expire with no service fees
Find top brands and offers for groceries, gas, entertainment, travel and more!
Choose your amount and get 2% to 20% cash back
Gift cards are delivered typically within minutes, with new offers added daily
Learn how to access CashBack+ on our Mobile App in this quick interactive demo.
CashBack+ is available in Patelco Online™ or the Mobile App. Select More or the three dots (on the Mobile App), then Rewards & Wellness and CashBack+ (Gift Cards). From there, tap on Offers to see a vast selection of gift cards from various brands personalized for you.
Once you’ve found a gift card you like, you can tap on it and select your desired dollar amount. You will also see the cash back bonus you will receive. Tap on Select Gift Card and then select Confirm. You may be required to verify your identity via text or email. After your purchase will process and funds will be debited from your Patelco checking account. You will then receive an email confirmation (to the email address associated with your online banking profile) and can also view your gift card in the CashBack+ wallet.
Cash back bonus amounts are displayed by each brand and can range from 2% to 20% (or sometimes even more). As an example, if a brand is offering a 20% cash back bonus, and you purchase a gift card for $100, you will receive a gift card for $100, and a $20 cash back bonus. The cash back can be transferred into your checking account almost immediately after purchasing your gift card. From the home screen of CashBack+ tap on Redeem, then Transfer cashback, enter the amount and then tap on Transfer to move your cash back into your checking account. Cash back bonus offers may have increased promotions during certain times of the year. Additionally, if you purchase from a brand for the first time, or if you are a repeat buyer from a specific brand, the bonus offers may be different. Cash back bonus offers can change frequently and sometimes daily, so if you see a good deal – snag it!
To access CashBack+, you must be 18 years or older and have a primary Patelco checking account and online banking. If you are a joint owner on a checking account, you will be able to view CashBack+ but cannot purchase a gift card. Please note, if you have more than one checking account, you can choose which account you’d like to use. At checkout the dropdown will default to your checking account with the highest balance. The minimum gift card amount is typically between $5 with a maximum to $500. There may be instances where a specific brand may restrict their denominations to fewer options. Gift card minimum and maximum amounts available will be displayed when you tap on a gift card offer from and individual brand.
Gift cards are available typically within minutes in the CashBack+ wallet and delivered to the email address associated with your online banking profile. Occasionally, the email may get caught in a spam filter. If you do not receive an email in your inbox (it will come from cashbackplus@patelco.org) please contact support@prizeout.com for assistance.
After you purchase a gift card, you can access it in the CashBack+ wallet by tapping on the gift card you purchased, then selecting Claim your gift card. You can also redeem through your email confirmation by selecting View gift card. Your gift card will contain the gift card number, pin and barcode. Each merchant will provide instructions on how to redeem the gift card either in-store, online or through their app if applicable. You can also print out your gift card confirmation page (with the barcode or full gift card number) to redeem in-store or share with a family member.
For the most up-to-date balance, please check with the merchant. The balance will not change directly within the CashBack+ wallet and will always show the original gift card value. If you add your gift card to a 3rd-party app (such as Starbucks, Uber, etc.) the latest balance will update within the merchant’s app. We recommend archiving gift cards in the CashBack+ wallet after you use them. To archive your gift card, tap on the Wallet, then select the gift card you used, and tap on the arrow, then select Archive.
Typically gift cards cannot be exchanged or canceled once they have been processed. However, if your gift card is still in review or in a pending status, you can cancel the gift card for a refund. Go to the CashBack+ Wallet, then find the card in a pending status and tap on the arrow. You will be prompted if you want to cancel the purchase. Tap on the arrow and then select Cancel purchase. If you have questions or need further assistance, please reach out to CashBack+ support at support@prizeout.com.
Get up to 20% cash back on your everyday spend for groceries, gas and more. It all starts with a Patelco checking account and online banking.
