Online and mobile services to
simplify your banking experience

We have an entire selection of innovative mobile apps and services updated with new security enhancements to simplify your banking experience–while saving you time and money.

With services like online and mobile banking, bill pay, and more, we offer all the convenience of mobile account management, along with the safety and security of in–person banking.

Patelco Mobile app for iPhone and Android

With our mobile banking apps for iPhone® and Android™ – and even iPod and iPad* – you can access your Patelco account anytime, anywhere. Just sign up for Online Banking if you haven’t already, and download the app from the Apple store or Google Play Market!

With Patelco’s Mobile Banking apps you can get easy access to your accounts so you can:

  • Keep track of your money by checking your balances right from your phone
  • Transfer funds between accounts to cover expenses or pay a Patelco credit card bill
  • View images of your cleared checks
  • Make payments using Bill Pay or Popmoney, eliminating the need for checks
  • Find a nearby branch or free ATM using your current location
  • Make deposits anytime, anywhere with our Anywhere Deposit feature
  • Contact us if you have any questions

Please note that if you already have Patelco Mobile for iPhone, you'll need to update the app to use Anywhere Deposit.

Apple Pay™ is Coming to Patelco!

Apple® launched Apple Pay on October 20th. Patelco is currently working with Visa®, Apple, and our processors to make sure that the functionality and security meets your needs and protects your valuable information. We will announce dates soon on when Apple Pay will be available.
Learn more


Download it now from the App Store >
Download it now from Google Play>

Sign up for Online Banking to use Patelco Mobile

To use the Patelco’s Mobile Banking apps, you must first be signed up for Online Banking. If you have not yet registered for Online Banking, please sign up now. Mobile Banking for your iPhone or Android is free and secure. Security includes the latest in SSL encryption and is fully backed by Patelco’s Online and Mobile Banking Security Guarantee.

Downloading the Patelco mobile app

Patelco recommends against downloading and installing our mobile app from any other source than the official app store we recommend for your device. Such installations are not supported by Patelco and pose a security risk both for you and for us. For more information and to learn how to protect yourself, please review our mobile app security alert in the security center.

*All iPhone App features and benefits are available for the iPad. Not fully optimized for the iPad experience.

iPhone®,iPod®, and iPad® are registered trademarks of Apple Inc.

GOOGLE and Google Play is a trademark of Google Inc. Android™ is a registered trademark of Google, Inc.

Pay other people with a text or email right from your account.

Popmoney™ makes it possible for you to “Pay Other People” just by sending the payee’s email, mobile number, or bank account information with a text or an email. If you haven’t already, sign into Online Banking to get registered, then give it a try directly from Online Banking or your mobile phone! Don’t have Online Banking? Sign up >

How Popmoney works:

Money you send and receive using Popmoney ultimately transfers from bank account to bank account.

  • Now you only need to know someone’s email address or mobile phone number to send money.
  • The recipient will be notified via the method you choose, and can decide where they want the money deposited.
  • You can direct money straight into a recipients bank account (if you have the recipients account number).

Ways to use Popmoney:

Popmoney offers a great alternative to cash and checks, and can be managed within Online Banking. Use Popmoney to make personal payments easier, such as:

  • Paying rent & other household expenses
  • Sending money as a gift
  • Making charitable donations
  • Sending money to students
  • Contributing money to a group gift or dinner

To try Popmoney in Online Banking:

  1. Sign up for Online Banking or log in to get started
  2. Click the “Transfers” tab at the top of your screen
  3. Click the “Popmoney (Pay Other People)” link on the left side of your screen and then the same link in the center of the next page
  4. A new Popmoney window or tab will open up with an introduction to the service and easy-to-follow instructions on how to sign up and get started

To try Popmoney in Mobile Banking:

  1. Log in to Mobile Banking with your smartphone: or use our iPhone or Android Mobile Banking app
  2. click the "Transfers" tab
  3. click the "Pay Other People (Popmoney)" link

Learn more and read the Popmoney FAQs >

Manage your accounts, transfer funds, pay bills, and more...

Don’t have an iPhone or an Android? You can still get that anytime-access to account information and services wherever you can get an internet connection by visiting

Simply point your mobile browser to:

Then enter your Online Banking User ID and Password to begin. Don't have Online Banking? Sign Up >

Enjoy all the Online Banking features that you are accustomed to on the go with traditional Mobile Banking for any smartphone:

  • Check balances so you always know how much you have
  • Transfer funds between accounts to cover expenses or pay a Patelco credit card bill
  • Make payments using Bill Pay or Popmoney so you never have to write a check again
  • Find a nearby branch or free ATM

Text Message Banking: Up-to-the-minute information at your fingertips.

Want to quickly check your balance or find out when your next credit card payment is due? Sign up for Text Message Banking, and send a text to “24341” with one of these commands (PDF).

After you activate Text Message Banking within Online Banking, you just send a text message to “24341” with one of the commands below in the message field and we’ll text you back with the information you requested.

Here are all of the available commands and what you can expect to receive in return:

Text Message Banking Commands >

Your text message to “24341”: What we’ll text message back to you:


balances for all your Checking, Savings, and Credit Card Account

bal all

balances for all your accounts including Certificates

bal + suffix (ex: bal 10)

balances for the account of that suffix (view your statement for suffixes)

hist + suffix (ex: hist 35)

4 days of transaction history for the account of that suffix

due + suffix (ex: due 30)

the payment due date of the credit card account of that suffix


a list of your account suffixes


this command will lock your Online Banking Account


this command will unlock your Online Banking Account


additional service information


a list of all the available text message commands


this command will unsubscribe you from Patelco Text Message Banking

Print (PDF) the Patelco Text Message Banking Commands

To activate Text Message Banking, sign in to Online Banking then click on the “Services” tab, then under the “Account Options” header click on “Activate Text Message Banking”. Don't have Online Banking? Sign up >

Please note: Text Message banking is free, but you may be charged per text message by your wireless provider. Please check your wireless plan before you begin using the service.

Bill Pay: Quick. Easy. On time.

With Bill Pay, you can send payments from your Patelco accounts to anyone with an address. Pay your rent, mortgage, utilities, credit card, car bills, and more – without the stamps, paper checks, or envelopes. Set up your payees within Online Banking and you can make your payments directly from Online Banking or with your mobile phone through, the iPhone app or our Android app.

Bill Pay is free and you’ll never have to worry about missing a payment or running out of stamps again.

To use Bill Pay you’ll need two things:

  1. A Patelco Checking Account. We have three Checking Accounts to choose from including one totally free account and two accounts that will earn you interest.
  2. An Online Banking account. If you don’t have one yet, sign up now.

Bill Pay also includes our guarantee that if a payment you’ve scheduled is ever late because of an error on our end, we’ll gladly reimburse you for any late fees you incur.

Know where you stand (no matter where you are) with Account Alerts.

If your Patelco accounts could talk, what would you want them to say? Would you want your checking account to tell you when you’re using Overdraft Protection? We have an alert for that.

Or how about having your accounts let you know whenever a withdrawal has been made? We have an alert for that too.

Account Alerts can be sent to you by email or by text message to your mobile phone. You decide what works best for you so you can better manage your accounts and keep watch on your finances.

We have alerts that tell you:

  • your balance has fallen below a level of your choosing
  • a deposit has been made to any of your accounts
  • a loan payment is coming up due
  • someone (including you) has logged into your Online Banking account
  • you have insufficient funds to cover a transaction
  • Overdraft Protection has been used to cover a charge or payment
  • all of the account history that has occurred each day or each week
  • any time your credit or card is used and every time your Visa Check Card is used for a signature-based transaction

To manage, view, or sign up for Account Alerts, sign up for Online Banking or log in.

Anywhere Deposit for your smartphone.

With Anywhere Deposit, qualified members can securely make deposits right from their iPhone® or Android® phone. It’s simple. Log in, snap a picture of your check, make sure your account number and deposit amount are fully visible, and send. Deposit complete.

First log into the Patelco mobile app on your phone then:

  1. Select "Mobile Deposit," then select "Make a Mobile Deposit".
  2. Select the account to receive the deposit.
  3. Enter the dollar amount of the check, then sign the back of the check.
  4. Select "Take Picture" and take photos of both the front and back of the signed check with your phone's camera.
  5. Once the photos are taken and appear on the screen, verify that they are easy to read. If they are not, select "Clear Form" and start over.
  6. Select "Make Deposit." The transaction will be processed as if you had made the deposit in person. Deposits after 6 p.m. Pacific time will be processed the following business day.
  7. Repeat this process for any additional deposit items.

Tip: Place the check on a dark, flat surface free of other paper, and be sure the check is completely inside the box on your phone's screen. Keep the original check for 90 days as proof of your transaction.

Learn more!
Anywhere Deposit FAQs

Anywhere Deposit from your desktop.

Qualified members can deposit checks into their accounts by scanning and submitting checks from their computers. Using your Internet connected computer and almost any scanner, you can deposit both business and personal checks – All from the comfort of your home or office!

Just a few steps to use Anywhere Deposit from your desktop:

  1. Login to Online Banking
  2. Select whether to use the built-in scanner software or your own scanner software.
  3. Select the Account to make the deposit to.
  4. Enter the dollar amount of the check.
  5. Scan the front of the check and validate items.
  6. Scan the back of the check and validate items.
  7. Confirm the deposit.
  8. Print the deposit receipt.
  9. Attach a note to your check and keep both for 90 days.
  10. Repeat this process for additional deposit items

To get started with Anywhere Deposit from your desktop send us a secure email or please call us at 800.358.8228.

Learn more by reading the Anywhere Deposit from your desktop FAQs.

Please note: All deposits are subject to Patelco’s Funds Availability Policy. Refer to the Member Handbook (PDF) for more information. Members must be eligible for Anywhere Deposit. Keep Anywhere Deposit check items for 90-days before destroying the item.

iPhone®,iPod®, and iPad® are registered trademarks of Apple Inc. Google and Google Play is a trademark of Google Inc. Android® is a registered trademark of Google, Inc.

  • Please note: Mobile Banking from Patelco is free, but you may incur mobile internet/data charges from your carrier/service plan. Please check with your carrier and service plan on specific charges.