This one-of-a-kind checking account was designed with the belief that small steps can make a big difference. Plus Checking helps protect everything you’ve worked so hard to achieve, helps you save automatically and make the smart decisions that can improve your financial future.


  • $0 monthly fee
  • No minimum balance
  • Free overdraft transfers from a linked account
  • Free Debit Mastercard® card
  • Free Mastercard ID Theft Protection
  • Free with all debit card purchases:
    • Price Protection
    • 12-month extended warranty
    • Satisfaction guarantee

The Patelco Difference

Our purpose driven philosophy of putting our members first is the higher standard that drives us to make a difference in people’s lives. Every product and service is developed for the financial well-being of our members, not our bottom line. That’s why we offer significantly better rates and lower fees, and why we’re more than just accounts and loans, we’re a partner that has your back, always looking out for your well-being. We’re in this together, with our members and communities. It’s not only our job, it’s our purpose. And we wouldn’t have it any other way.



¹ Cell phone protection is subject to additional terms and conditions. Identity, Credit, and Round-Up features all require enrollment. Insurance products are not a deposit, not NCUA insured, not an obligation by the Credit Union, its affiliates, and not guaranteed by any government agency. Participating merchants on Patelco Plus Benefits 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 Combined services valued at $642 per year based on research on websites for LifeLock, AT&T, Sprint, Verizon.