How to enroll in Direct Deposit
Set up direct deposit online and access your funds up to two days early1
With Patelco Online™ you can securely manage your checking account.
Set up direct deposit online and access your funds up to two days early1
Log in to Patelco Online™ or the Mobile App and navigate to Accounts, then Set Up Direct Deposit
Find and verify your employer, then select your account and pay distribution
That’s it! We’ll handle the setup with your employer and payroll provider. It may take a few payment cycles for it to go into effect.
You can also download the Patelco Direct Deposit authorization form and fill it out manually. Give the completed form to your employer or benefit provider. Remember to use the correct account number formats. In Patelco Online™ tap on your checking account, then select the Account Details tab (look for Account Number for Direct Deposit and ACH Transactions)
Automatically divide your paycheck among your Patelco accounts.
When you use Direct Deposit, you also have the option of dividing your paycheck among your Patelco accounts. This is a great way to set up automatic saving for a large purchase, like a home down payment, a vehicle, or a vacation.
To set up a Payroll Disbursement, complete this disbursement form and mail it back to Patelco. (Our address is on the form.)
Remember to use the correct account number formats to ensure your money is disbursed correctly. If you need help, refer to the “How to find your account numbers” section below.
What you’ll need:
To order checks, log in to Patelco Online™ of the Mobile App, tap on Account Services then Order Checks.
Need to change the address or name on your checks? Call us at 800.358.8228 or visit a local branch.
Checks may only be ordered for checking or Money Market accounts.
Patelco’s routing number
Patelco’s routing number is 321076470.
Locating your checking or Money Market account numbers
Account numbers for Checking and Money Market accounts are 14 digits long. Your account number appears along the bottom of checks, to the right of our ABA/Routing Number.
You can also find your complete account number by clicking or tapping on the account in Patelco Online™ and then selecting the Account Details tab.
What do the numbers mean?
Patelco accounts begin with “746” followed by zeroes (0000), your account number, and a two-digit account type identifier.
For example, the complete checking account number for account 12345-10 is 74600001234510 (746 + 0000 + 12345 + 10)
You’ll need to use your complete checking account number when submitting direct deposit, paycheck disbursement and overdraft protection forms.
Bank by phone anytime – get your current balance, make transfers, and hear your recent transactions.
You’ll need your Member Number and a telephone banking PIN to use telephone banking. Create a PIN by calling 800.358.8228 and selecting option 4 from the main menu.
Once you have your PIN and your Member Number ready, call 888.766.2424 and easily:
Send money to or from anywhere in the world. Details on our domestic wire transfer services can be found here.
Branches are generally able to accommodate cash withdrawals up to $5,000 per day. Members needing withdrawals over this amount should contact their nearest branch. You may withdraw a maximum of $500 in cash per day at shared branch.
You may mail check deposits and payments to:
Patelco Credit Union
P.O. Box 2227
Merced, CA 95344
Please be sure to include your full account number on the back of each check you send, below your signature.
Sign up for Patelco Online™ and use Anywhere Deposit to deposit checks via online banking or our Mobile App.
We do not accept cash in the mail. To deposit cash, please visit your nearest Patelco branch or ATM. Additionally, many CO-OP Shared Branch Network locations accept cash deposits to Patelco accounts, in addition to offering other services like withdrawals, transfers, cashier’s checks, and more.
Locate a shared branch >
To get started with a business account, contact our Virtual Branch here.
The fee is $10, in addition to service fees that vary depending upon the item and its collection process.
Yes, you can deposit a payroll check using the Anywhere Deposit service in online banking and our Mobile App.
No. You can keep your Patelco account open if you move outside California. Even better – you can still transact quickly and easily using online banking, our Mobile App, and thousands of CO-OP Shared Branch Network locations, which offer services like deposits, withdrawals, transfers, cashier’s checks, and more. We have many out-of-state members who use Patelco for all their financial needs! To locate ATMs and branches out-of-state, visit patelco.org/locations or tap the location icon in our Mobile App.
Shared branches in the CO-OP Shared Branch Network are unable to cash checks. However, you may deposit checks into your Patelco account at shared branches — in addition to making transfers, purchasing cashier’s checks, and doing other banking.
Locate a shared branch >
Please check your account first to determine if the funds were deducted. If the funds were deducted, notify Patelco so that we can open a dispute with the ATM owner on your behalf. For the dispute, we need you to identify your member number, the account from which the funds were withdrawn, the withdrawal date, the amount you requested from the ATM, and the ATM location.
You can provide this information via the Message Center widget in Patelco Online™, by calling us, or by visiting any Patelco branch.
If you call us at 800.358.8228, please use extension 1306 to reach our Card Services department directly to file your claim.
Call us at 800.358.8228.
Yes, we will add this upon request.
1 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, which may be up to 2 days earlier than the scheduled payment date.
