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Free Checking

There’s no FEE in FREE with Patelco’s Free Checking.

Reading the news, you’d think the days of truly free checking at your bank were over. Thankfully, Patelco Credit Union still offers an everyday account that's not only free, but doesn't have conditions or restrictions to keep it free.

  • No monthly debit card or account fees
  • Free Online and Mobile Banking with BillPay
  • Free Overdraft Protection from your Patelco savings account
  • 30,000+ free ATMs nationwide
  • 36 Branches, plus access to 6,000+ Shared Credit Union branches
  • $500 Overdraft Line of Credit now available for accounts opened at a Patelco branch
  • Compare all checking accounts
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More features and benefits of Patelco Checking Accounts

  • 30,000+ free ATMs nationwide
    Conveniently use over 30,000 nationwide ATMs.
  • 6,000+ Shared CU branches
    No matter where you are, you can visit other credit union branches to do your in-person Patelco banking.
  • Free Online Banking
    Patelco Online™ allows you to pay bills, check balances, transfer funds, deposit checks and set up alerts 24/7.
  • Unlimited Online BillPay
    Easily set up one-time or recurring bill payments using Patelco Online™.
  • Free eStatements
    Receive your statement earlier without wasting paper.
  • Free Direct Deposit
    Receive paychecks faster via electronic transfer.
  • Overdraft Protection
    In the event that you overdraw your account, one of your other accounts can be used to cover the difference.
  • Debit Card Purchase Protection
    In the event that you overdraw your account and funds are not available in other accounts, temporary credit may be extended. Opt in by calling 800.358.8228.
  • Debit Card Guide to Benefits
    View the full Debit Card Guide to Benefits.