The right checking account can build a strong foundation — find one tailored to your unique needs.
The right savings account helps you grow toward your goals — find one that fits your needs and lifestyle.
Manage your Patelco accounts effortlessly with our comprehensive support services.
Low rates, no annual fees — Patelco credit cards fit every lifestyle and financial goal.
Flexible loans and lines of credit to consolidate debt or cover life’s big expenses
Flexible lending options and programs for new and existing homeowners.
Take advantage of one of life’s biggest investments.
Drive off with an affordable new or used vehicle, or save on one you already own.
Have your fun and freedom with a great loan that fits into your financial plan.
Explore payment options and answers to commonly asked questions about loan payments with Patelco.
Up to $50,000. As low as 11.65% APR.
Get support managing your personal loans and much more.
Learn more about our local expertise, guidance and personal service.
Get support managing your loans.
Get support managing your auto loans and much more.
Get support managing your debit and credit cards and loans.
Tailored investment solutions to help you plan, invest, and secure your financial future.
Comprehensive insurance solutions to protect your assets and loved ones.
Complimentary one-on-one guidance from our Certified Financial Specialists.
Connect with us and find the right insurance option that fits your needs.
We provide a number of banking solutions to help your small business grow with peace of mind and personalized service.
Help your business grow with the convenience of our worry-free checking account.
Enjoy the convenience of higher transaction limits with low monthly fees.
Earn rewards points on your purchases with extra security features, tools and benefits.
Ensure peace of mind and keep your business going with overdraft protection.
Everything your business needs — from hardware to software — to process payments.
Simple and secure Payroll Solutions to help you better manage your business.
A convenient, secure account that helps your business grow with no monthly fee.
Get the most out of your Patelco Business relationship with a rate as high as 3.25% APY.
Meet with our Virtual BranchTM to open your account from the comfort of your home or business. You can schedule a video appointment or meet instantly with a Patelco team member.
Patelco’s Digital Banking provides secure, convenient access to your accounts anytime, anywhere. Manage your finances effortlessly with our comprehensive suite of online and mobile services.
Sign up for Patelco Online™ to access and manage your accounts securely.
Schedule a video appointment or meet instantly with a Patelco team member.
Send and receive money instantly with friends and family using Zelle®.
Manage accounts, pay bills, and transfer funds securely from any device.
Transfer funds between accounts or send money to others quickly and securely.
Bank on the go: check balances, deposit checks, send money and more.
Schedule and manage your bill payments online with ease and confidence.
Make secure, contactless payments using your mobile device at participating merchants.
Download our Mobile App to check your balance, make transfers, pay bills, deposit checks, plan and save securely and conveniently from your phone or tablet.
Patelco Credit Union is a full-service, not-for-profit financial cooperative dedicated to helping members and communities prosper. With nearly $10 billion in assets and over 550,000 members nationwide, we are one of the largest credit unions in the nation.
Learn more about Patelco’s community values, service in action, impact, events and partnerships.
As your trusted financial partner, we’re solely focused on helping our members build and sustain their best financial lives. Learn what makes Patelco membership different.
Get expert guidance, tools and support to take control of your financial future — from fraud prevention to education, relief options, and personalized advice.
Protect yourself from scams with tools, alerts, and tips to keep your info secure.
Explore financial hardship resources, loan relief options, and personalized support.
Tune in for expert interviews and real-life stories to help you master your money.
Get one-on-one coaching and tailored financial guidance from our financial specialists.
Join live and on-demand webinars to grow your financial knowledge and confidence.
Access tools, articles, and interactive course to support smarter financial decisions.
Access articles, guides, and tools to enhance your financial knowledge.
Access to your accounts anywhere, anytime
Premium benefits that protect your financial health
For you and your family
$6.95
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.
Identity theft and cell phone protection for added peace of mind
For you and your family, up to 4 times per year
Save automatically and earn a 10% match from Patelco1
Use any ATM worldwide and get two ATM fee rebates per month2
Stay on top of your credit with free monitoring and quarterly updates3
Enjoy discounts on dining, shopping, travel, health, and more
Your benefits are available the day after you open your account. Access them directly in the Mobile App or Patelco Online™ . Navigate to Rewards & Wellness then Plus Checking Benefits. Browse and review your available benefits, and enroll in ID Theft Protection and Credit Monitoring.
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.
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.
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 request assistance in the Patelco Mobile App under Rewards & Wellness, Plus Checking Benefits. We’ll cover up to $80 per incident, 4 times each 12 months — for towing, flat tire, battery, and more.
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.
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.)
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.
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. Enroll in Patelco Online or the Mobile App. Navigate to Rewards & Wellness > Plus Checking Benefits.
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.
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 in the Patelco Mobile App or Patelco Online™ under Rewards & Wellness, then Plus Checking Benefits.
Your Patelco checking account comes with a free Debit Mastercard® that lets you make purchases easily and securely:
Meet Patelco members as they share their Patelco love story.
My name is Jerry. I’ve been a Patelco member for 15 years. They gave me the best advice without looking for personal gain. My name is Angela. I’m currently refinancing my car with Patelco. I’m also using their checking and savings. My name is Aki. If I think about it over the course of 22 years, I’ve probably saved thousands of dollars in fees. My name is Elmer. Patelco is part of my financial strategy. It’s just easy.
Get tips on how to maximize your checking account to limit fees, manage spending, and take advantage of tools and services to stay on top of your finances.
Even digitally savvy people can be victims of a fake check scam. Sadly, certified and cashier check scams are on the rise. Learn how to spot and avoid check cashing scams.
Fraudsters can try to scam you with real-looking text messages. Can you tell a smishing attempt from a legitimate text from your financial institution? Learn the signs of text scams here.
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.
Mastercard and Mastercard Global Service are registered trademarks, and the circles design is a trademark, of Mastercard International Incorporated.
