The right checking account helps build your finances on a strong foundation. Explore our checking solutions tailored for your unique needs.
Take advantage of no fees or minimums with our everyday, worry-free checking account.
A one-of-a-kind checking account with exceptional benefits and discounts.
Earn interest on an everyday account and easily waive the monthly fee.
Teach teens to be money smart with no monthly fees and daily limits.
Checking accounts have different features and fees. Most allow you to write checks, use a debit card, pay bills online, and send digital payments — but how do you choose the right type of checking account for you? To help you choose, ask yourself these questions.
Is it important to avoid paying fees on your account?
Do you have money to transfer into the account now?
Are you able to keep enough money in your account?
Do you want to earn interest on your deposits over time?
Do you worry about spending more than you have in your account?
Are you looking for added perks, like ID theft protection, discounts, etc?
30,000+ Fee-free ATMs nationwide
The convenient and secure way to pay in
person or online
Set up direct deposit to your checking account and access your funds up to two days early
No-cost personal information protection with your debit Mastercard® for checking accounts
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.
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
A checking account allows you to make unlimited withdrawals and deposits 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).
Yes, checking accounts are insured by the FDIC or NCUA up to $250,000 per depositor, per insured bank.
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.
Typically, there’s no minimum deposit to open a Patelco Checking account, but it can vary depending on the checking account type you may choose. Please see the specifics for the type of account you’d like to open above using our compare tool.
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.
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.
You’ll find the routing number by referring to “I” and the account number by referring to “J” in the image below.
Watch this short step-by-step demo to learn how to find your routing or account number using the Mobile App.
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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