Routing # 321076470

Free Checking

Named Top 10 Best Credit Unions of 2023 by Bankrate.

Free. Secure. Easy banking at your fingertips.

The Patelco Free Checking account is a no frills, no strings attached, truly free checking account.

You can save more with no monthly fees, no monthly maintenance fees or minimum balance requirements. If only everything in life was as straightforward as the Patelco free checking account.

Plus, payday can come even sooner when you set up direct deposit for your account. Get paid up to two days early1 — without an additional fee.

It takes minutes to open a Patelco Free Checking account. To join Patelco, you’ll need a Social Security number (or acceptable government-issued document showing your Tax Identification Number), driver’s license or government ID, and your current home address.

Free Checking. Always free, always easy.

Get Paid Early with Direct Deposit1

Set up Direct Deposit and access your funds up to 2 days early

No Overdraft Fee2

Cover unexpected shortage of funds in your account for up to $500 with Instant BackUp. No credit check needed


Automatically grow your savings with every purchase you make

More on Your Everyday Spend

Purchase gift cards and get 2%-20% bonus value with Patelco Prizeout

Send Money with Ease

Choose from Zelle®, Bill Pay, wire transfers and more

30,000+ Fee-Free ATMs

Find one near you on our top-rated Mobile App3

Frequently Asked Questions

Make the most of your banking relationship with Patelco

Start saving more when you open a Money Market Plus account at the same time as a Free Checking account, and earn an outstanding rate as high as 4.50% APY4 on your savings.

Pay with Ease and Confidence
Your Patelco checking account comes with a free Debit Mastercard® that lets you make purchases easily and securely:
  • Secure, contactless purchases with Debit Mastercard
  • Load your card to Apple Pay®, Google Pay®, or Samsung Pay®
  • Zero Liability and Extended Warranty on purchases
  • Mastercard Global Service™ emergency card replacement
  • Overdraft protection link to a credit line or a Patelco account

1 Early access to direct deposit funds depends on the timing of the receipt 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 You must enroll in Instant BackUp on your checking account to receive overdraft coverage up to $500. You’ll pay interest only on the amount you borrowed for the amount of time it’s outstanding. Talk to our Patelco team for assistance and learn more here. No overdraft fees applies to checking accounts opened after 04/05/2023.

3 Source: over 22,000 five-star reviews on the App Store.

4 APY=Annual Percentage Yield. Rates are effective as of 12/01/2023 and are subject to change before or after account opening without notice. Rates vary by tier and apply to the full balance.

The following variable interest rates will apply to your account balance: 4.50% APY on balances of $250,000.00 or greater, 4.00% APY on balances between $100,000.00 and $249,999.99, 3.51% APY on balances between $50,000.00 and $99,999.99, 3.00% APY on balances up to $49,999.99.

In order to attain higher interest rates the account must meet the eligibility requirements, that is a Patelco checking account (opened under the same Member Number) with a total monthly deposit of $500 or more. If the account fails to meet eligibility, the lower interest rate of 0.05% will be defaluted for that month. Qualifying deposit transactions include: Payroll direct deposits, Social Security (or other government benefit) direct deposits, ACH transfers, Zelle, Venmo, PayPal or other similar deposits, cash deposits, check deposits (except checks written from another Patelco account), wire transfers, multiple deposits (of the types listed above) that add up to at least $500 in a calendar month. Qualifying deposit transactions do not include Patelco account-to-Patelco account transfers, chargebacks or promotional incentive payments from Patelco.

For more details, read our Money Market Plus Account Overview.

Mastercard and Mastercard Global Service are registered trademarks, and the circles design is a trademark, of Mastercard International Incorporated.

Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.


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