Patelco Online™ keeps it simple and secure and is available 24/7. You can:
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Credit and debit cards with contactless technology offer a secure, fast and easy way for you to pay for a purchase. It’s simple – just tap and go! Contactless payments use short-range proximity technology to securely complete payments between a contactless card and a contactless-enabled checkout terminal. When you tap your contactless card at the checkout terminal your payment is sent for authorization just like it does when you swipe your card or insert the chip in the terminal.
Look for the Contactless Symbol on your card to know if your card has the technology to make contactless payments.
Quick. Contactless payments are fast and convenient to use in places where you need to pay on the go. Simple. Contactless payments are easy to make since all you have to do is tap your card on the checkout terminal. Safe. Contactless payments are secure because each transaction is completed with a one-time security code that protects your payment information. Plus, the card stays in your possession.
Yes. If you don’t see the Contactless Symbol, you can still use your contactless card at a payment terminal by inserting your card chip first or by swiping the magnetic strip.
Yes. Paying with your contactless card is safe and secure.
When your card comes close to expiration, we will automatically send you a new contactless card. If you want to get a new card outside of this timeframe, you can request a replacement card by visiting one of our branches or by contacting us.
Learn how to activate your card, lock it if you lose it, notify us if you’re travelling and more with these convenient card management features.
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.
No, there are no fees for making transactions using digital wallets
Yes, you can continue to use your card for transactions just like you do today.
When you’re shopping just look for the contactless symbol or other wallet app icons at check out. Need more help getting started? Learn more.
If you see a charge 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, tap or click the account with the transaction, tap or click to select the transaction, and then select Dispute. We encourage you to file online, but you can also contact us.
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.
We’ve added a new layer of security to our credit and debit cards, especially useful for cardholders shopping online. For certain transactions, onetime passcodes sent to your mobile phone will help us make sure your transactions belong to you.
Here’s how it works: A passcode request will pop up during certain online transactions when our system detects the need for additional security. If you receive a request, check your mobile phone for a text containing the passcode, then enter it where prompted online. If you don’t enter the correct passcode, your transaction will not go through.
Onetime passcodes will not apply to most transactions, so don’t be surprised if you don’t receive a request. If you do see one, rest assured that this extra authentication step is just a sign that our security measures are working to keep your accounts safe. Check out onetime passcode terms and details to learn more.
If you’re having difficulty with a transaction where a onetime passcode is requested, contact us directly at 800.358.8228 for help.
Reduce the risk of card fraud by letting us know when you travel.
When you’re traveling outside of your home state or country:
Paying off high interest rate credit cards with your Patelco card is a simple way to consolidate your debt into one manageable payment. Plus, there are no additional charges to request a transfer and the process is easy.
To request a balance transfer:
Tip: Have your credit card account number and the payment address handy.
You can review the status of your transfer by selecting Card Services from the main menu, then Balance Transfers, and then View Submitted Forms.
How it works
How to redeem your Patelco Rewards Points
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.
Cash back to your Patelco checking or savings account, statement credit, travel (including flights, rental cars, activities, hotels & activities), merchandise and gift cards to major retailers. The Rewards catalog changes periodically with new offers and seasonal promotions so check back often!
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, extension 1303, to be connected with the Rewards center.
Your Patelco Mastercard ® debit or credit card automatically comes with great benefits.
| BENEFITS | Pure Mastercard ® | Progress Student Rewards Mastercard ® |
Progress Student Rewards Mastercard ® |
|---|---|---|---|
| Safety and Security | |||
| Zero Liability Protection | • | • | • |
| Mastercard ® ID Theft Protection™ |
• | • | • |
| Emergency Services | |||
| Emergency Cash Advance | • | • | • |
| Lost/Stolen Card Reporting | • | • | • |
| Access & Lifestyle Benefits | • | • | • |
| Priceless Cities | |||
| Cellphone Protection 1 | • | ||
| Golf Privileges | • | ||
| ShopRunner Membership | • | ||
| Travel Benefits | |||
| Online Booking Tool | • | • | • |
| Airport Concierge | • | • | • |
| Onefinestay Discount | • | ||
| Personal Travel Advisor | • | ||
| Luxury Hotel & Resorts Program | • | ||
| Travel Accident Insurance** | • | ||
Safety and Security
Zero Liability Protection: You don’t have to worry when you use your Mastercard card because it’s covered by Zero Liability protection, whether you pay in-store, online, or over the phone. As a Mastercard cardholder, you’re not responsible in the event that someone makes unauthorized purchases with your card. Certain conditions and exceptions apply1.
Mastercard ID Theft Protection™: Detects and helps quickly resolve ID theft events at no extra cost. From scouring the internet to see if your personal info is being sold to helping you clear your name with credit rating agencies, we are there for you 24/7. Simply visit mastercardus.idprotectiononline.com or call 800.MASTERCARD.
Emergency Services
Mastercard Global Service™: Provides 24 hours a day, 7 days a week member service assistance with Lost and Stolen Card Reporting, and Emergency Cash Advances, as well as assistance with locating ATMs.
Access and Lifestyle Benefits
Priceless® Cities: Get insider access to one-of-a-kind experiences and offers in some of the world’s most exciting cities.
Golf Privileges: Access to private clubs, savings on public courses and resorts, preferred pricing, exclusive programs and preferred booking opportunities on TOURAcademy® programs nationwide.
ShopRunner: As a member with a Mastercard® World or World Elite credit card, you will receive free 2-day shipping and free return shipping at over 140 different stores when you enroll at shoprunner.com/mastercard.
Travel Benefits
Online Booking Tool: Discover a convenient way to book hotels, flights, and car rentals online.
Airport Concierge: Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival, or any connecting flights, 24/7/365 at over 450 destinations worldwide.
onefinestay: Enjoy 10% off bookings using using promo code MC10 on onefinestay, which offers vacation homes with hotel-like amenities at onefinestay.com/mastercard.
Personal Travel Advisor: Experienced travel advisors assist with detailed travel plans, recommendations, and access to high quality, high value vacation choices around the world.
Luxury Hotel and Resorts Program: Enjoy the perfect accommodation from a unique collection of exceptional hotels and resorts with a room upgrade**, late check–out**, complimentary breakfast for 2 daily**, exclusive amenities**, and more.
Cruise Program*: Enjoy exceptional World benefits and savings on a global fleet of luxury cruise ships, mega-yachts and boutique river vessels.
The minimum payment for Patelco’s credit cards is 2% of the total balance or $24, whichever is greater.
Mail payments to:
Patelco Credit Union
P.O. Box 2227
For faster service, consider paying your credit card online via Patelco Online™.
It can take 7-10 business days to receive your new ATM/Debit Card. If you require an expedited card, please call us at 800.358.8228. We can only expedite debit cards. If you open your account in a Patelco branch, we can instantly issue your card.
The ATM withdrawal limit per day is $500.
Yes. You may use your Patelco card at any ATM’s internationally that have the same logos (Star, Plus, etc.) as those on the back of your card. Patelco applies a 1% foreign conversion fee for card purchases and a $1.75 ATM fee for foreign ATM withdrawals.v Please note: A foreign ATM withdrawal will incur a total of 3 fees: 1% of the money withdrawn, the $1.75 Patelco foreign withdrawal fee and a fee charged by the ATM machine itself.v If you are planning to travel out of state or abroad, please send us a secure message in Patelco Online™ or call 800.358.8228 prior to your trip to authenticate your card(s) for use in the states and/or countries in which you will be traveling.
1 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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