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Business Checking

Manage your small business finances with the tools and personalized service you expect from Patelco.

Balance Requirement

Minimum average daily balance of $1,000

Monthly Fee

$10 waived with minimum average daily balance

Free Debit Mastercard®

Unlimited debit card/ATM transactions

It’s time to help your small business thrive

A Patelco Business Checking account offers you convenient online banking and account management so you can focus on growing your small business.

Access your business checking account anytime, anywhere through Patelco Online™ and our top-rated Mobile App1.

Head to Patelco Online™ for convenient digital banking services, including:

  • A personal dashboard with up-to-the-minute balances and upcoming payments and transfers
  • Customizable alerts to help you stay on top of your business finances
  • Available CSV exports for downloading data to QuickBooks and Excel

Business Checking Benefits

Low Monthly Fee

Waive the $10 monthly fee with $1,000 minimum average daily balance

Free Debit Mastercard®

Use your debit card as much as you want: there’s no limit on debit card or ATM transactions2

Free Overdraft Protection

Cover unexpected shortages of funds in your account with a linked savings account credit card, or business overdraft account

No Transaction Fees

Make 100 monthly transactions without paying extra fees

Put your Business Checking to work
Your Patelco Business Checking account also comes with these convenient features to streamline your finances:

  • Our top-rated Mobile App
  • Send money with ease with, Bill Pay, wire transfers, and external bank transfers (ACH)
  • Access to 30,000+ Fee-Free ATMs
Get Started Now Put your Business Checking to work

Frequently Asked Questions about Business Checking

Patelco Business Rewards credit card
Our Business Rewards credit card comes with a competitive rate, is packed with benefits and lets you earn points on your purchases.

That’s not all – you also get access to extra security features, tools, and benefits to fit your business’ needs.

Learn More Patelco Business Rewards credit card
Open your Business Checking account today

Meet with a Virtual Banker to open your account from the comfort of your home or business. All you’ll need to get started is a government-issued document showing your Tax Identification Number and your current business address. Check out our Business Banking account checklist for more details.

Meet with Virtual Branch™ Open your Business Checking account today

1 Source: over 22,000 five-star reviews on the App Store.

2 Accounts are subject to a $0.25 transaction fee if account exceeds 100 transactions each month. Accounts are subject to an excess cash fee of $0.50 fee per $100 deposited or purchased after $5,000 in cash.

Patelco Credit Union does not offer business accounts to political parties, fundraising groups, campaign organizations, businesses engaged in any activity that violates state or federal law, businesses that present a degree of risk that we in our reasonable discretion determine that we do not have the capacity to manage, or businesses that we in our sole discretion believe could be detrimental to Patelco’s reputation in the communities we serve.

The following is a non-exclusive list of business types that Patelco does not serve: (1) any business subject to any sanctions administered by the Office of Foreign Assets Control; (2) medical marijuana dispensaries or any other business involved in the marijuana industry; (3) money services businesses (MSBs); (4) gambling businesses; (5) digital currency businesses; (6) third party payment processors; (7) prostitution businesses, whether legal or not; (8) embassies, consulates, and diplomatic missions; (9) pawn shops or pawnbrokers; (10) anonymous ownership entities; and (11) adult entertainment businesses.

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