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 form1 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
Where can I find my savings account or Health Savings Account (HSA) number?
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.
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
Moving your money
Send money to or from anywhere in the world. Details on our domestic wire transfer services can be found here.
For international services, we've partnered with Xoom™, so you can send money to more than 60 countries — from across the border all the way to Europe, Asia and beyond. Deliver money by direct bank deposit, home delivery or in-person pickup: The choice is yours.