Bill Pay

Our promise to you

We guarantee your payments will be sent on time, and we'll cover you if they're not. Just follow these simple guidelines:

Make sure your account has sufficient funds.
Schedule your payment to be made at least 5 (five) business days for electronic payments and 9 (nine) business days for paper checks. This provides a couple of days for your account to be credited.
Make sure the payee information is accurate and complete.

Register for Bill Pay

Bill Pay is a convenient, secure way to control when and how your bills are paid.

It’s easy to set up. To get started, you'll need a minimum balance of $25 in your checking account.

Log in to your Patelco Online^™ account. Don't have one? Create an account.
From the main menu, select Transfer & Pay and then Bill Pay.
Review the Bill Pay terms. Check the "I Agree" box and then continue if you agree.
You’re all set!

If this is your first time accessing Bill Pay, the "Add a New Payee" page will appear. Follow the instructions on the screen to continue.

Bill Pay features

Bill Pay includes four popular features that make it easier to manage your payees and your payments.

To access Bill Pay, log in to your Patelco Online^™ account. From the main menu, select Transfer & Pay, and then select Bill Pay.

View complete account numbers for every bill payee
From the Bill Pay Dashboard tab of Bill Pay, choose a payee and select the Manage tab. Tap or click Show to see the full account number.
Print your payment history
Want to keep a paper or PDF version of your past payments? Now it’s easy: Select the printer icon on the History tab in Bill Pay.
Review payments before submitting
View your transaction details before scheduling or submitting a payment.
Print payment confirmations
We know it’s reassuring to have confirmation that you’ve paid that bill. After making a payment, just select the print icon on the confirmation popup.

Frequently asked questions about Bill Pay

Who can I pay with Bill Pay?

You may pay any person or business with an address in the United States or a US territory.

Are any payments not covered by Patelco’s Online Bill Pay Guarantee?

Yes. These are referred to as Exception Payees. Because of legal requirements, we limit the ability to make certain types of payments. Payments to payees outside of the United States are also prohibited and may not be issued under any circumstances.
In addition, the following payments are discouraged, but may be scheduled at your own risk:

Tax payments to the Internal Revenue Service or any state or other government agency
Court-ordered payments, such as alimony or child support
Payments to insurance companies

Visit the Patelco Handbook (PDF) to learn more about Exception Payees

Can I schedule payments to Exception Payees that are not covered by the Online Bill Pay Guarantee?

Yes. We will process the scheduled payment, but in the event is not received by the payee, the funds will not be automatically credited back to your account. However, the funds will be returned if the payment isn't cashed within 90 days of being sent. For cashed checks, we can provide a proof-of-payment to give to the payee.

Are any fees associated with using Bill Pay?

Yes. Stop payments are $15. Proof-of-payment copies are $5. If there are not sufficient funds in your account to cover a scheduled payment, and no overdraft source is in place to cover the debit, a $28 NSF (Non-Sufficient Funds) fee will be charged per item at the time the bill is paid. To learn more about fees, check out our fee schedule.