Manage Your Patelco Savings 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 form¹and 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 find your savings account number

Patelco's routing number

Patelco's routing number is 321076470.

Where can I find my savings account or Health Savings Account (HSA) number?

Account numbers for savings-type accounts appear along the bottom of your deposit slip. You can also find your complete account number by clicking or tapping on the savings account in Patelco Online^™ and then selecting the Account Details tab.

What do the numbers mean?

Savings Accounts and HSA numbers include only the account number and suffix, which must be separated by a dash.

Your unique account number + a dash + a 2-digit account-type identifier

Example: 12345-40

Visit our Health Savings Account support page for more information about HSAs.

Answers to common savings 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 >

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.

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 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.

Savings account support