Two teenage Patelco members sitting outside and laughing at what they're seeing on a mobile phone

As a not-for-profit, member owned financial co-op, we’re passionate about helping members achieve lifelong financial wellbeing. For a limited time, get up to $100 when you join Patelco. Start by opening a Free Checking account with an initial $100 deposit. You must enter referral code R6BVXWWJ to receive your bonus of $50!

Start with Free Checking

No Fees

No monthly fees or overdraft fees2

Get Paid Early with Direct Deposit3

Set up Direct Deposit and get paid up to 2 days early

30,000+ Fee-free ATMs

Find one near you on our Mobile App

Debit Mastercard® Card

Add to your digital wallet and pay with confidence with Zero Liability Protection

Send Money with Ease and Security

Choose from Zelle®Bill Pay, wire transfers and more

Top-rated Mobile App4

Access your accounts on the go

Earn 3.00% APY5 with our Money Market Plus account, plus an extra $50.

Grow your savings faster when you open a Money Market Plus account at the same time as your checking account. Our new Money Market Plus account is the perfect account for anyone who wants easy access to their money at an outstanding 3.00% APY — that’s 5x the national average6.

  • No minimum deposit, no monthly fees
  • Your money is liquid and you’re earning a top rate
  • Insured up to $250,000 by the NCUA ($500,000 for joint owners)
  • Quick and easy money transfers between accounts – without any limits

To earn the 3.00% APY you must make a monthly deposit of $500 or more into your Patelco checking account. Hurry – this offer expires October 31, 2023.

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Meet on Zoom with our Virtual Branch — where you can drop in or schedule an appointment to meet virtually from the comfort of your home or office. Prefer to visit a branch? Find a Patelco location closest you (appointments available too!)
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To qualify for the $50 bonus, you must use the code provided to become a member and open a new checking account (minimum deposit of $100) by October 31, 2023 at any Patelco branch or at The $50 reward will be credited to your savings account within 5 business days of the qualifying new account being opened. Receive an additional $50 reward when you open a Money Market Select or Money Market Plus account. Patelco team members are not eligible to receive the $50 reward credit. If you receive $600 or more in prizes from Patelco throughout the year, we’ll send you an IRS Form 1099.

2 You must enroll in Instant BackUp on your checking account to receive overdraft coverage up to $500. You’ll pay interest only on the amount you borrowed for the amount of time it’s outstanding. Talk to our Patelco team for assistance and learn more here. No overdraft fees applies to checking accounts opened after 04/05/23.

3 Early access to direct deposit funds depends on the timing of the receipt of the payment file from the payer. We generally make these funds available on the day the payment file is received up to 2 days earlier than the scheduled payment date.

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

5  APY=Annual Percentage Yield. Variable rates are valid as of 05/03/2023 and are subject to change after account opening without notice. A Patelco checking account (opened under the same Member Number) with a total monthly deposit of $500 or more is required to receive the higher interest rate (dividend rate). If the Money Market Plus account does not meet the requirement 3 calendar months after the account is opened, the lower interest rate of 0.05% APY will be applied to the account until the requirements are met.Qualifying deposit transactions include: payroll direct deposits; Social Security (or other government benefit) direct deposits; ACH transfers; Zelle, Venmo, PayPal or other similar deposits; cash deposits; check deposits (except checks written from another Patelco account); wire transfers; or multiple deposits (of the types listed above) that add up to at least $500 in a calendar month. Qualifying deposit transactions do not include Patelco account-to-Patelco account transfers.

For more details, read our Money Market Plus Account Overview.

6 Informa as of 4/17/2023.


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