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Patelco is a member owned, not-for-profit financial cooperative. When you join 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.
We also offer free financial coaching to anyone who wants to improve their financial situation. Members have told us that they feel seen, heard, informed, and supported to make more confident financial choices.
Membership is free. You become a member when you open an account with us. Check out all the benefits of Patelco membership.

It’s easy to waive the $5 monthly fee if you meet one (or more) of the following requirements:

1. Set up monthly direct deposit of $100 or more.
2. Maintain a minimum daily balance of $500.
3. You’re a Patelco Commitment Household Member.

You will receive your debit card in the mail typically within 5 business days after you’ve opened your account. Or, you can pick up a debit card at a branch near you.

You can find one of the 30,000+ fee-free ATMs at patelco.org/locations or on our Mobile App.

Members who set up direct deposits into their Patelco checking, savings, or money market accounts can get paid up to 2 days early² — so you can access your funds faster.

We recommend you place your first order of checks with a team member for security reasons. Reorders can be made through Patelco Online™ or our Mobile App.