Plus Checking: ATM Rebates, Discounts & Protection

Peace of mind with protection and benefits that matter

For the member who wants to build their financial health, establish strong savings habits, and protect their money — Plus Checking fits right into your life. This one-of-a-kind package partners with industry leading providers EZShield^® and BaZing to give you all the benefits of our everyday checking account, plus so much more. If you’ve ever been concerned about identity theft, damaged your cell phone, or got stuck with a flat tire, the Patelco Plus Checking account comes with protection designed to put your mind at ease and safeguard your financial wellness.

In addition to all the benefits you’d get with a traditional Patelco checking account, for a low monthly fee of $6.95, you’ll get the additional benefits:

Award-winning EZShield^® Identity Theft Protection for you and your family¹
Cell phone protection against theft or damage¹
Automatic Round-Up savings transfers and 10% match from Patelco¹
Use any ATM worldwide and get two ATM fee rebates per month²
Free credit monitoring, quarterly credit score, and quarterly credit report³
Exclusive local & national discounts on dining, shopping, entertainment, health and travel
24/7 Roadside Assistance

Patelco Plus Checking Benefits

Get Paid Early with Direct Deposit⁴

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

Debit Mastercard^®Card

Pay with confidence with Digital Wallets and Zero Liability Protection

Top-rated Mobile App

Access your accounts on the go

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

Set Up Alerts

Automate alerts such as direct deposits or low balances to stay on top of your finances

Checking Account FAQs

How do I activate my Plus Checking benefits?

Enroll at the Patelco Plus Benefits website using your email address and temporary password emailed to you after account opening. Or download the Patelco Plus Benefits App⁵ for iOS or Android.

You’ll be able to access all of the benefits that come with your Plus Checking account on the website or Patelco Plus Benefits App.

What do I get for the $6.95 monthly fee?

The Plus Checking account is loaded with benefits at great value so you don’t have to pay more for protection elsewhere. For comparison, cell phone insurance typically costs $7-10 per month. Identity Guard Family costs $12.50 – $34.99 per month. Roadside assistance costs $50-$156 a year.

You get all these benefits and more for a low monthly fee of $6.95.

What are the benefits of becoming a Patelco member?

Patelco is a member owned, not-for-profit financial cooperative. When you join 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.

We also offer free financial advice to anyone who wants to improve their financial situation. Members have told us that they feel seen, heard, informed, and supported to make more confident financial choices.

Membership is free. You become a member when you open an account with us. Learn more about all the benefits of membership.

How do I use 24/7 Roadside Assistance?

All Plus Checking account holders and family members can take advantage of this service. For example, if you have a college student living away from home, this benefit can help provide extra peace of mind. Call 855.822.9464 or use your Patelco Plus App and click on Roadside Assistance.

We’ll cover up to $80 per incident, 4 times each 12 months — for towing, flat tire, battery, and more.

How does Automatic Round-Up savings with 10% match work?

It’s an easy way for you to automatically put money into your savings account with every debit card purchase. Every debit card purchase gets rounded-up to the nearest dollar with the rounded-up amount automatically transferred from your checking account to your savings account.

We will match 10% of the rounded-up amount and deposit it into your savings account up to $500 per year. Connect with us to set up this benefit.

How does cell phone protection work?

You must pay your cell phone bill from your Plus Checking account. Make sure to set up automatic monthly payments with your provider, or log in to Online Banking to use Bill Pay. It’s that simple!

We’ll cover up to 3 phones with $400 maximum per claim ($800 maximum, or 2 claims per year. Only broken or stolen phones are covered.)

How does the free credit monitoring work?

As part of your Plus Checking benefits, you’ll receive free credit monitoring across all 3 bureaus, including free quarterly credit report. You’ll also receive alerts if anything on your credit profile changes.

How does ID theft protection work?

Use the Online ID vault for sensitive information, documents, and passwords you want monitored and protected.

After you open your account, we’ll tell you how to access the Online ID vault and set up your account.

Receive coverage for you and your family with up to $10,000 a year of theft insurance to help cover charges accrued due to the theft (e.g. lawyer’s fees, lost wages) Fully managed ID Restoration Pro for the entire family to discover, isolate and prevent future fraud. Monitoring of public records, the internet and dark web, payday loans, and other places your information doesn’t belong.

How does the ATM fee rebate work?

You can use any ATM worldwide and receive automatic reimbursement of ATM fees by the end of the day, for up to two reimbursements per month.

How do I take advantage of the special discounts?

You can enjoy local and national discounts on dining, entertainment, travel, health and shopping at thousands of merchants and stores you love like Target and Walgreens. Access the discounts on the Patelco Plus Benefits App powered by BaZing. You can even turn on alerts to receive notifications for discounts near you.

¹ Cell Phone Protection is subject to additional terms and conditions. Identity, Credit, and Round-Up features all require enrollment. Participating merchants on Patelco Plus are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals. Policies and account features subject to change without notice.

² ATM fee rebates, where offered as part of a checking benefit, apply to cash withdrawals using your Mastercard® Debit Card wherever it is accepted. ATM fee rebates do not apply to any fees other than those assessed for using an ATM to withdraw cash from your Patelco Credit Union account. Patelco Credit Union reserves the right to modify or discontinue the ATM fee rebate at any time. See Member Handbook for more details.

³ The credit score is not necessarily the same score used by other credit bureaus.

⁴ 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

⁵ The Patelco Plus Mobile App (powered by BaZing) is available on the App Store and Google Play Store. Eligible account holders of Plus Checking may download and login to the Patelco Plus Mobile App using a valid email address and temporary password provided at the time of account opening. Not all versions of Android and iOS are supported.

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.

Plus Checking

Bundled Protection

Monthly Fee

Peace of mind with protection and benefits that matter