Peace of mind with protection and benefits that matter
For the member who wants to build their financial health, establish strong savings habits, and protect their money — Plus Checking fits right into your life. This one-of-a-kind package partners with industry leading providers EZShield® and BaZing to give you all the benefits of our everyday checking account, plus so much more. If you've ever been concerned about identity theft, damaged your cell phone, or got stuck with a flat tire, the Patelco Plus Checking account comes with protection designed to put your mind at ease and safeguard your financial wellness.
In addition to all the benefits you’d get with a traditional Patelco checking account, for a low monthly fee of $6.95, you’ll get the additional benefits:
- Award-winning EZShield® Identity Theft Protection for you and your family1
- Cell phone protection against theft or damage1
- Automatic Round-Up savings transfers and 10% match from Patelco1
- Use any ATM worldwide and get two ATM fee rebates per month2
- Free credit monitoring, quarterly credit score, and quarterly credit report3
- Exclusive local & national discounts on dining, shopping, entertainment, health and travel
- 24/7 Roadside Assistance
Get Paid Early with Direct Deposit4
Set up Direct Deposit and access your funds up to 2 days early
Debit Mastercard® Card
Pay with confidence with Digital Wallets and Zero Liability Protection
Send Money with Ease
Choose from Zelle®, Bill Pay, wire transfers and more
Set Up Alerts
Automate alerts such as direct deposits or low balances to stay on top of your finances
Frequently Asked Questions
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 link to a credit line or a Patelco account and pay no fees
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1 Cell Phone Protection is subject to additional terms and conditions. Identity, Credit, and Round-Up features all require enrollment. Participating merchants on Patelco Plus are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals. Policies and account features subject to change without notice.
2 ATM fee rebates, where offered as part of a checking benefit, apply to cash withdrawals using your Mastercard® Debit Card wherever it is accepted. ATM fee rebates do not apply to any fees other than those assessed for using an ATM to withdraw cash from your Patelco Credit Union account. Patelco Credit Union reserves the right to modify or discontinue the ATM fee rebate at any time. See Member Handbook for more details.
3 The credit score is not necessarily the same score used by other credit bureaus.
4 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
5 The Patelco Plus Mobile App (powered by BaZing) is available on the App Store and Google Play Store. Eligible account holders of Plus Checking may download and login to the Patelco Plus Mobile App using a valid email address and temporary password provided at the time of account opening. Not all versions of Android and iOS are supported.
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.