No Fees

Free Checking

Take advantage of no fees or minimums with our everyday, worry-free checking account.

Extra Benefits

Plus Checking

A one-of-a-kind checking account with exceptional benefits and discounts.

Extra Interest

Interest Checking

Earn interest on an everyday account and easily waive the monthly fee.

No Fees

Student Checking

Teach teens to be money smart with no monthly fees and daily limits.


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Checking with all the benefits you expect, plus more

A hand collecting money.

ATMs Galore

30,000+ Fee-free ATMs nationwide

Debit Mastercard®

The convenient and secure way to pay in 
person or online

A coin being deposited into a piggybank.

Get Paid Early with Direct Deposit1

Set up direct deposit and access your funds up to two days early

Mastercard© ID Theft Protection™

No-cost personal information protection with your Mastercard debit card

A shield of protection.

Overdraft Protection

Say goodbye to fees and overdrawn accounts 
when you link certain accounts

Mobile Banking Made Easy

Access your money and accounts almost anywhere with our top-rated mobile app2

Access your money on the go with mobile banking

Securely log in to Patelco Online or our easy-to-use app to check your balance and FICO® score for free, send money, pay bills, make a mobile deposit, set up account alerts, and more. Get started today with Patelco Online™ or our top-rated Mobile App.2

Checking Account FAQs

1 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

2 Source: Over 22,000 five-star reviews on the App Store.