Manage Your Patelco Checking Account Online

How to enroll in Direct Deposit

Direct Deposits typically clear sooner than paper checks, which means you get your money faster — whether it’s a paycheck or a benefit payment.

To set up your account for Direct Deposit, download and fill out the Patelco Direct Deposit authorization form. Then give the completed form to your employer or benefit provider.

When you fill out this form, remember to use the correct account number formats. Your complete savings account number can be found by clicking or tapping on the savings account in Patelco Online™ and then selecting the Account Details tab. If you need more help, refer to the “How to find your account numbers” section below.

Automatic Payroll Disbursement

Automatically divide your paycheck among your Patelco accounts.

When you use Direct Deposit, you also have the option of dividing your paycheck among your Patelco accounts. This is a great way to set up automatic saving for a large purchase, like a home down payment, a vehicle, or a vacation.

To set up a Payroll Disbursement, complete this disbursement form and mail it back to Patelco. (Our address is on the form.)

Remember to use the correct account number formats to ensure your money is disbursed correctly. If you need help, refer to the “How to find your account numbers” section below.

You can find your complete savings account number by clicking or tapping on the savings account in Patelco Online™ and then selecting the Account Details tab.

How to order checks

What you’ll need:

The Patelco ABA/Routing Number, 321076470

Your checking account number. See the “How to find your account number” section for help.

If you’re ready to order checks with your existing account information, order checks now with Harland Clarke.

Need to change the address or name on your checks? Call us at 800.358.8228 or visit a local branch.

Checks may only be ordered for checking or Money Market accounts.

How to find your account numbers

Patelco’s routing number

Patelco’s routing number is 321076470.

Locating your checking or Money Market account numbers

Account numbers for Checking and Money Market accounts are 14 digits long. Your account number appears along the bottom of checks, to the right of our ABA/Routing Number.

You can also find your complete account number by clicking or tapping on the account in Patelco Online™ and then selecting the Account Details tab.

What do the numbers mean?

Patelco accounts begin with “746” followed by zeroes (0000), your account number, and a two-digit account type identifier.

For example, the complete checking account number for account 12345-10 is 74600001234510 (746 + 0000 + 12345 + 10)

You’ll need to use your complete checking account number when submitting direct deposit, paycheck disbursement and overdraft protection forms.

Telephone banking

Bank by phone anytime – get your current balance, make transfers, and hear your recent transactions.

You’ll need your Member Number and a telephone banking PIN to use telephone banking. Create a PIN by calling 800.358.8228 and selecting option 4 from the main menu.

Once you have your PIN and your Member Number ready, call 888.766.2424 and easily:

Check account and loan balances

Transfer funds

Withdraw funds

Make a credit card payment

Draw funds from a line of credit

Answers to common checking account service questions

Can I make a large cash withdrawal out of a Patelco account at a Patelco branch? What about at a shared branch in the CO-OP Shared Branch Network?

Branches are generally able to accommodate cash withdrawals up to $5,000 per day. Members needing withdrawals over this amount should contact their nearest branch. You may withdraw a maximum of $500 in cash per day at shared branch.

I want to deposit checks and cash into my account. Can I do this via mail?

You may mail check deposits and payments to:
Patelco Credit Union
P.O. Box 2227
Merced, CA 95344
Please be sure to include your full account number on the back of each check you send, below your signature.
Sign up for Patelco Online™ and use Anywhere Deposit to deposit checks via online banking or our Mobile App.
We do not accept cash in the mail. To deposit cash, please visit your nearest Patelco branch or ATM. Additionally, many CO-OP Shared Branch Network locations accept cash deposits to Patelco accounts, in addition to offering other services like withdrawals, transfers, cashier’s checks, and more.
Locate a shared branch >

How do I set up a business account at the credit union?

To get started with a business account, contact our Virtual Branch here.

What is the fee for depositing a foreign check?

The fee is $10, in addition to service fees that vary depending upon the item and its collection process.

Can I deposit my payroll check with Anywhere Deposit?

Yes, you can deposit a payroll check using the Anywhere Deposit service in online banking and our Mobile App.

Do I have to close my account if I move out of state?

No. You can keep your Patelco account open if you move outside California. Even better – you can still transact quickly and easily using online banking, our Mobile App, and thousands of CO-OP Shared Branch Network locations, which offer services like deposits, withdrawals, transfers, cashier’s checks, and more. We have many out-of-state members who use Patelco for all their financial needs! To locate ATMs and branches out-of-state, visit patelco.org/locations or tap the location icon in our Mobile App.

Can I cash a check at another credit union other than Patelco?

Shared branches in the CO-OP Shared Branch Network are unable to cash checks. However, you may deposit checks into your Patelco account at shared branches — in addition to making transfers, purchasing cashier’s checks, and doing other banking.
Locate a shared branch >

How do I file an ATM dispute if I did not receive money from an ATM machine?

Please check your account first to determine if the funds were deducted. If the funds were deducted, notify Patelco so that we can open a dispute with the ATM owner on your behalf. For the dispute, we need you to identify your member number, the account from which the funds were withdrawn, the withdrawal date, the amount you requested from the ATM, and the ATM location.
You can provide this information via the MESSAGE CENTER widget in Patelco Online™, by calling us, or by visiting any Patelco branch.
If you call us at 800.358.8228, please use extension 1306 to reach our Card Services department directly to file your claim.

How do I request a Verification of Deposit?

Call us at 800.358.8228.

Can you add my address to a Verification of Deposit?

Yes, we will add this upon request.

Checking account support