Routing # 321076470

Checking Accounts

Pure Mastercard® Credit Card

You won’t find a teaser rate here. Get a competitive low rate on purchases and balance transfers.

Checking made easy with these benefits

Free Direct Deposit

Get Paid ASAP

ATMs Galore

30,000+ Fee-free ATMs nationwide

Debit MasterCard® Card

The convenient and secure way to pay in person or online

MasterCard© ID Theft Protection™

No-cost personal information protection with your Mastercard debit card

Overdraft Protection

Say goodbye to fees and overdrawn accounts when you link certain accounts

Purchase and Price Protection

Additional assurance when you pay with your MasterCard® card

Which account is right for me?

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A few minutes with our quiz is all you need.

Checking Account FAQs

  • A checking account allows you to make unlimited withdrawals and deposit 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.

    Simply download this pre-filled form, sign it, and submit it to your employer’s payroll department. Simple as that! Alternatively, if your employer has an HR portal that allows you to set up direct deposit by inputting your account number and routing number, you can get those here

    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).

    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.

    There is no minimum deposit balance to open a checking account with Patelco. However, we strongly encourage you add money as soon as you can so that you can get the most out of your account.

    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.


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