The right checking account helps build your finances on a strong foundation. Explore our checking solutions tailored for your unique needs.
Take advantage of no fees or minimums with our everyday, worry-free checking account.
A one-of-a-kind checking account with exceptional benefits and discounts.
Earn interest on an everyday account and easily waive the monthly fee.
Teach teens to be money smart with no monthly fees and daily limits.
30,000+ Fee-free ATMs nationwide
The convenient and secure way to pay in
person or online
Set up direct deposit to your checking account and access your funds up to two days early
No-cost personal information protection with your Mastercard debit card for checking accounts
Say goodbye to fees and overdrawn checking accounts when you link certain accounts
Access your money and accounts almost anywhere with our top-rated mobile app2
Securely log in to Patelco Online™ or our easy-to-use app to check account balances 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
A checking account allows you to make unlimited withdrawals and deposit designed to allow for day-to-day cash movement. You can easily access your money through digital banking transactions, debit cards, ATMS and old fashioned checks.
Simply download this pre-filled form, sign it, and submit it to your employer’s payroll department. Simple as that! Alternatively, if your employer has an HR portal that allows you to set up direct deposit by inputting your account number and routing number, you can get those here.
To join us, you’ll need: Social Security number (or acceptable government-issued document showing your Tax Identification Number), driver’s license or government ID, current home address, and an external bank account to fund your new account (only for accounts opened online).
Patelco is a member owned, not-for-profit financial cooperative. When you open an account at Patelco, you become a member and a shareholder. That’s why we’ll deposit one share ($1) in your Share Savings account when you join. Our mission is to help members achieve lifelong financial well-being so you can live happier, fuller lives. Unlike the big banks or other for-profit financial institutions, we invest our profits back in our members with better rates and low- to no fees.
There is a $10 minimum deposit balance to open a checking account with Patelco. We strongly encourage you add money as soon as you can so that you can get the most out of your account, but there is no minimum balance requirement.
Our routing number is 321076470. For most accounts, your full account (MICR) number can be found by clicking or tapping on the account in Patelco Online™ and then selecting the Account Details tab. Your checking account number is 14 digits long.
If you have checks, the Patelco routing number 321076470 appears along the bottom of your checks, to the far left, while your full account (MICR) number appears along the bottom of your checks, to the right of the routing number.
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.
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