Routing # 321076470

Debit & Credit Card Support 

We have answers to the most common questions, and tips for using your Patelco debit and credit cards.

How to report card fraud

At Patelco, we’ll be with you on every step of your financial journey, including when you’re a victim of fraud. Contact us immediately if you suspect fraud on your account(s), or if you responded to a suspicious email, text message, or phone call.

Self-service tools to manage your card and account

Adding alerts and controls on your Patelco cards are important steps you can take to protect your accounts and manage your budget.

It just takes minutes to set your preferences in Patelco Online or the Mobile App. You also have access to additional tools to make managing your card simple and secure – even on the go.

Manage your card your way

Lock and unlock your card

If you misplace your card, you can use Patelco Online or the Mobile App to lock and unlock your card

Set alerts and get notified

Get alerts when spending exceeds an amount you set, transactions are made in categories that you choose, or transactions are made in foreign countries

Control transaction limits

Control transaction limits

Change your PIN

Reset your PIN to help keep your card more secure

Set a travel notification

Submit a travel notification to help identify potential fraud and to avoid transactions being denied when you’re traveling

Consolidate debt

Request a balance transfer to your Patelco credit card to consolidate your debt into one manageable payment

How to Manage Your Card

Learn how to lock or unlock your card, set up travel notices, create a PIN, and more using the Patelco Mobile App.

How to make a credit card payment

How to make a credit card payment

Filing a dispute

If you see a charge that you don’t recognize or have an issue with a purchase you can submit a credit, debit, ATM, or HSA card dispute or claim within 60 days of the date it appears on your statement.

  • Many times, disputed charges are legitimate purchases that you may not recognize or remember, so we recommend reviewing your recent receipts or online shopping emails before you file a claim
  • The easiest and fastest way to submit a card dispute is in Patelco Online or the Patelco Mobile App. After you log in, select the account with the transaction, then choose the transaction, and select Dispute. We encourage you to file online, but you can also contact us

Common Dispute questions

  • We take every effort to resolve your claim as quickly as possible. Some investigations may take up to 90 days.

    We’ll communicate with you through your preferred method: email, secure message, or postal mail. Once you submit your claim, we’ll send you an acknowledgement that we received it. If any questions come up or if we need additional information, we’ll contact you. We’ll notify you of the outcome once the investigation is complete.

    Log in to Patelco Online, go to your specific account with the transaction, select the transaction, and then select the option to cancel the dispute. You can also contact us.

    Please contact us to: check the status of your claim, submit any additional documentation, or inquire about a transaction that is not showing in online banking.

Digital Wallet

Add your Patelco credit and debit cards to the digital wallet of your choice: Apple Pay, Google Pay, or Samsung Pay. Then, you can pay for things simply by using your phone.

Learn More Digital Wallet
Digital Card Display

Access your card details – card number, expiration date and security code – in Patelco Online. This allows you to use your card even when you don’t have the card in-hand. Simply input your card details into your phone’s digital wallet or at your preferred online sites.

Contactless Technology

A secure, fast, and easy way for you to pay for a purchase. Look for the contactless symbol at checkout, then just tap and go! 

Patelco Mastercard® Benefits – Safety and Security

Zero Liability Protection2

You’re not responsible if someone makes unauthorized purchases with your debit and credit card.

Mastercard® ID Theft Protection

Detection and resolution services. Call 800.MASTERCARD or visit to enroll your credit card for free.

Purchase Assurance

This coverage provides reimbursement for the theft and/or accidental damage of purchase items, up to 45 days from the date of purchase. The covered purchases must have been made entirely with your Patelco Mastercard® credit card.

Extended Warranty

Double the manufacturer’s warranty by up to 24 extra months on eligible purchases that are paid for with a Patelco Mastercard® debit or credit card.

Cellphone Protection

You have coverage in the event of theft or accidental damage for the value of your cell phone when you use your Patelco Mastercard® credit card to make recurring bill (monthly) payments for phone.

Mastercard Global Service

Mastercard® provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance for Patelco Mastercard® debit or credit card.

Travel benefits with your Patelco Mastercard® credit card1

Mastercard Airport Concierge

Arrange for a personal, dedicated Meet & Greet agent to escort you through the airport 24/7/365 at over 450 destinations worldwide.

Hotel or Motel Burglary

Mastercard reimburses you for personal property stolen from your hotel or motel room. Your hotel/motel stay must be purchased entirely with a Patelco Mastercard®.

Travel accident & emergency insurance

Covers you and your family against accidental death or dismemberment if you purchase common carrier travel tickets with your Patelco Mastercard®.

Baggage delay insurance

Reimburses you for replacing essential personal or business items in your baggage, if it’s on a common carrier that’s delayed in transit, and your tickets were purchased using a Patelco Mastercard®.

Patelco Rewards Points

How it works

  • For eligible cards, enrollment in Patelco Rewards is automatic
  • Accrue points with your purchases. Some cards even offer double points on certain purchases
  • Redeem your Patelco Rewards Points through Patelco Online

Redeeming your Patelco Rewards Points

  • Points can be redeemed for travel, merchandise, gift cards, as cash back to your checking or savings account, or a statement credit to your credit card account
  • Points convert to cash at a value of $.01 per point
  • As long as your account is open, points never expire

See your current rewards options at Patelco Online. When you log in, go to the Card Services menu, and select Rewards to access your rewards account.
If you have a question about your Patelco Rewards, or you want to redeem your Patelco Rewards over the phone, you can call us at 800.358.8228 to be connected with the Rewards Center. 

Other Support Links

We’ve compiled a list of useful resources related to your Patelco credit card. Here you can learn more about benefits, rates, and terms and conditions.

1 These are summary descriptions only. Additional terms, conditions and exclusions apply. Please refer to your card’s Guide to Benefits for specific information.

2 As a Mastercard cardholder, you will not be held responsible for unauthorized transactions if: (1) you have used reasonable care in protecting your card from loss or theft; and (2) you have promptly reported to your financial institution when you knew that your Mastercard was lost or stolen. If you believe there has been unauthorized use on your account and you meet the conditions above, rest easy knowing you’re protected by Zero Liability. Zero Liability does not apply to the following Mastercard payment cards: commercial cards, unregistered prepaid cards or gift cards. If you have questions regarding Zero Liability coverage or you suspect unauthorized use of your card, contact your financial institution IMMEDIATELY.


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