Checking-Comparison

The account you use most should offer you the most for your money.

You use your checking account all the time. So wouldn’t you like it with no hidden fees and plenty
of free ATMs? The big banks can’t offer that. Patelco can.

We give you three convenient options – choose the one that works best for you and open your account today. The application process is quick and easy.

Compare our checking accounts below, for more detail or to apply click on "Apply or Learn More."

Free Checking Interest Checking Premier Interest Checking
Free account with easy access to your funds and no balance requirements Low to no-cost account that pays interest on every dollar Tiered account. As your balance increases so does the interest rate
$10 minimum deposit to open $10 minimum deposit to open $5,0001 minimum deposit to open
No debit card usage fee No debit card usage fee No debit card usage fee
No interest paid Interest Rate: 0.05% APY* Interest Rate: 0.05% to 0.10% APY*
No monthly fee $5 per month but fee waived if one of these criteria is met:
  • you have Direct Deposit of $100 or more each month
  • you maintain a minimum average daily balance of $500 or more each month
  • you are a Commitment Household Member
$10 per month but fee waived if one of these criteria is met:
Apply or Learn More Apply or Learn More Apply or Learn More

  1. The minimum balance to earn the Premier Interest Checking rate is $5,000. Daily Balances below $5,000 earn the rate paid on Patelco's Interest Checking Account.

*APY= Annual Percentage Yield. Subject to change.