Routing # 321076470

Interest Checking

Access 30,000+ fee-free ATMs and manage your money with ease using our top-rated Mobile App

Earn Interest with Your Everyday Checking

The Patelco Interest Checking account is a great option if you regularly maintain a daily balance of $500 or more and want to earn interest on your account.

The $5 monthly fee is also waived if your account is set up for a monthly direct deposit of $100 or more, or if you’re a Patelco Commitment Household Member.

Plus, payday can come even sooner when you set up direct deposit for your account. Get paid up to two days early —without an additional fee.2

It takes minutes to open a Patelco Interest Checking account.

Product Benefits

Get Paid Early with Direct Deposit2

Set up Direct Deposit and access your funds up to 2 days early

Debit Mastercard®

Pay with confidence with Digital Wallets and Zero Liability Protection


Automatically grow your savings with every purchase you make

30,000+ Fee-free ATMs

Find one near you on our Mobile App

Send Money with Ease

Choose from Zelle®, Bill Pay, wire transfers and more in our top-rated Mobile App3

More on Your Everyday Spend

Purchase gift cards and get 2%-20% bonus value with Patelco Prizeout

Interest Checking Rate

Rates Effective 01/01/2023


Minimum Balance

Min. Balance

APY1RateDividends Paid

$5 waived with minimum daily balance of $500

Frequently Asked Questions

Pay with Confidence

Your Patelco checking account comes with a free Debit Mastercard® that lets you make purchases easily and securely:

  • Secure, contactless purchases with Debit Mastercard
  • Load your card to Apple Pay®, Google Pay®, or Samsung Pay®
  • Zero Liability and Extended Warranty on purchases
  • Mastercard Global Service™ emergency card replacement
  • Overdraft link to a credit line or a Patelco account and pay no fees

1 APY=Annual Percentage Yield. Rates are valid as of 01/01/2023.

2 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.

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

Mastercard and Mastercard Global Service are registered trademarks, and the circles design is a trademark, of Mastercard International Incorporated.

Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.


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