Routing # 321076470

Checking Accounts

The right checking account helps build your finances on a strong foundation. Explore our checking solutions tailored for your unique needs.

No Fees

Free Checking

Take advantage of no fees or minimums with our everyday, worry-free checking account.

Extra Benefits

Plus Checking

A one-of-a-kind checking account with exceptional benefits and discounts.

Extra Interest

Interest Checking

Earn interest on an everyday account and easily waive the monthly fee.

No Fees

Student Checking

Teach teens to be money smart with no monthly fees and daily limits.

Checking with all the benefits you expect, plus more

ATMs Galore

30,000+ Fee-free ATMs nationwide

Debit Mastercard®

The convenient and secure way to pay in person or online

Get Paid Early with Direct Deposit1

Set up direct deposit to your checking account and access your funds up to two days early

Mastercard© ID Theft Protection™

No-cost personal information protection with your debit Mastercard® for checking accounts

Overdraft Protection

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


We’ll round up your debit purchases to the nearest dollar and deposit it into your savings.

Access your checking account on the go with mobile banking

Securely log in to Patelco Online or our easy-to-use app to check account balances and FICO® score for free, send money, pay bills, make a mobile deposit, set up account alerts, and more. Get started today with Patelco Online™ or our top-rated Mobile App.2

Enroll in Patelco Online™ Access your checking account on the go with mobile banking

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 a $10 minimum deposit balance to open a checking account with Patelco. We strongly encourage you add money as soon as you can so that you can get the most out of your account, but there is no minimum balance requirement.

    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.
    Watch this short step-by-step demo to learn how to find your routing or account number using the Mobile App.
    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.

1 Early access to direct deposit funds depends on the timing of the submission 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.

2 Source: Over 22,000 five-star reviews on the App Store.


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