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 early —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.

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Get Paid Early with Direct Deposit1

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

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No Overdraft Fee2

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

An Android phone with the Patelco logo on the screen.

Top-rated Mobile App3

Access your accounts on the go

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Debit Mastercard® Card

Pay with confidence with Digital Wallets and Zero Liability Protection

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Send Money with Ease

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


30,000+ Fee-Free ATMs

Find one near you on our Mobile App

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 of 3.00% APY on your savings4.

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
A Patelco Mastercard debit card.

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 04/05/23.

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

4 APY=Annual Percentage Yield. Variable rates are valid as of 05/03/2023 and are subject to change after account opening without notice. A Patelco checking account (opened under the same Member Number) with a total monthly deposit of $500 or more is required to receive the higher interest rate (dividend rate). If the Money Market Plus account does not meet the requirement 3 calendar months after the account is opened, the lower interest rate of 0.05% APY will be applied to the account until the requirements are met. 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.

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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