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

Product Benefits

A coin being deposited into a piggybank.

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

A hand collecting money.

Top-rated Mobile App

Access your accounts on the go

30,000+ Fee-free ATMs

Find one near you on our Mobile App

Send Money with Ease

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

A shield of protection.

Set Up Alerts

Automate alerts such as direct deposits or low balances to stay on top of your finances

Frequently Asked Questions

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 link to a credit line or a Patelco account and pay no fees
A Patelco member uses a free Debit Mastercard.
See Why Patelco Members Love Us
Meet Patelco members as they share their Patelco love story.
A man watches a video of Patelco members explaining why they love the credit union.

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October 9, 2019

Wonder where your money goes? Learn what a budget is, how to make a budget and get budgeting tips to keep you on track to reach your financial goals.

October 29, 2019

Are you considering using automatic bill payments? Find out the benefits and disadvantages of automating your bills to decide what is best for your finances.

September 9, 2020

Read this article to find out how to form good spending habits so you can stay on budget and reach your financial goals.

Open your account in minutes
Peace of mind starts with a Plus Checking account.

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.