As a member-owned, not-for-profit financial co-op, Patelco offers better rates, low to no fees to help you save more and do more with your money.

For a limited-time, get a $50 bonus when you open a Free Checking account.1 To receive your $50 bonus, you must enter the referral code R6BVXWWJ when you open your account and make a minimum deposit of $100. We'll also open a savings account for you and deposit your first Patelco share ($1) into your account.

Free Checking

No fees, no minimum balance. Just convenience and security.

Manage your money with confidence and enjoy:


  • $0 monthly fee
  • No minimum balance or opening deposit requirements
  • Get paid up to 2 days early when you set up direct deposit2
  • No-fee access to over 30,000 ATMs nationwide

Open Account

Don’t forget to enter your R6BVXWWJ referral code. To be eligible for the $50 bonus, you must make an initial deposit of $100 in your new checking account.

Prefer talking to someone?

Meet online via Zoom through Patelco Virtual Branch™ or schedule an appointment at your local branch. 

Banking made easy

Check Balance

Top-rated Mobile App

Top-rated Mobile App

Manage your money on the go.

Automatic Payments

Easy money transfers 

Easy money transfers 

Send and receive money quickly and securely with Zelle®

Credit card

Debit Mastercard®

Debit Mastercard®

Pay confidently with Digital Wallets and your Debit Mastercard® Card.

1 To qualify for the $50 bonus, you must use the R6BVXWWJ referral code provided to open a new checking account (minimum deposit of $100). The $50 reward will be credited to your savings account within 5 business days of the qualifying new account being opened. If you receive $600 or more in prizes from Patelco throughout the year, we’ll send you an IRS Form 1099. Offer ends 12/31/2022.

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 up to 2 days earlier than the scheduled payment date.