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Interest Checking

An everyday account that earns interest on every penny.

A Patelco Interest Checking account offers you the freedom to earn a competitive interest rate with no balance requirement to earn interest and easy methods to avoid a monthly service charge.

  • No balance requirement to earn interest
  • 30,000+ surcharge-free ATMs nationwide
  • 40 Branches, plus access to 6,000+ Shared Credit Union branches
  • $5 monthly fee; or free if you keep a $500 average daily balance, or have direct deposit of $100+ monthly, or you are a Commitment Household Member.
  • $500 Overdraft Line of Credit now available for accounts opened at a Patelco branch
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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.