Convenient online banking services

View your balance, deposit a check, or pay a bill: Easily manage your accounts with Patelco Online and the Patelco Mobile App.

Our platform includes features like:

  • A personal dashboard with up-to-the-minute balances and upcoming payments and transfers
  • Customizable alerts to help you stay on top of your finances
  • The ability to make transfers between accounts, or send money fast to people you know with Zelle®
  • Budgeting tools to manage your money effectively
  • Integration with Quicken and Mint, plus available CSV exports (compatible with Excel)

Get started today with Patelco Online >

All your banking needs in one place

Hands holding up money that's earning interest.

Simplified tools and resources to help you manage your everyday finances.

We protect your information so you can bank with confidence.

Check your balance when you need to, where you need to with 24/7 account access.

Guide to Two-Factor Authentication (2FA)

As an extra layer of protection for online banking and our Mobile App, we may require two-factor authentication (2FA) for some logins. This means that, in addition to your User ID and password, you may be asked for a code when you log in. You can choose to receive that code via phone call, a 2FA preferred authenticator app (DUO Authenticator, Authy, or Google Authenticator) or by text (SMS). Never share your code with anyone — Patelco will never call or text to ask for it. You will only be asked for a 2FA code while using online banking or our Mobile App, never by a person.

For maximum protection, you can also set 2FA to be "always on" so you'll be asked for a code via text (SMS), a 2FA authenticator app or phone call every time you log in to Patelco Online or our Mobile App. It takes only a few extra seconds but will protect your account from automated attacks and fraudsters.

How to turn on 2FA for SMS or voice call using a desktop computer

  1. Log in to Patelco Online from a desktop computer
  2. Select your name in the upper right
  3. Select Settings
  4. Select the Security tab
  5. Next to Two-Factor Authentication, turn the toggle to the ON position (it will appear blue when on)
  6. Make sure you have two methods enabled: SMS (text message) and voice call — select the pencil icon to edit any of the methods (Because email is not as secure as your phone, we advise against using it for 2FA.)
  7. You'll see a confirmation at the top of the screen and will also receive an email confirmation

How to turn on 2FA via a preferred authenticator app

Alternatively, you can also select a preferred authenticator app, such as DUO Authenticator, Authy, or Google Authenticator. These apps add another layer of security to help protect your account.

  1. Log in to Patelco Online from a desktop computer
  2. Select your name in the upper right
  3. Select Settings
  4. Select the Security tab
  5. Next to Two-Factor Authentication, turn the toggle to the ON position
  6. Select the pencil icon next to 2FA App
  7. Select Enroll
  8. A QR code is displayed
  9. Open or download your preferred authenticator app (DUO Authenticator, Authy, or Google Authenticator) and follow the app instructions to set up an account, then select Use a QR code
  10. Scan the QR code from Step 8 and save the account in the authenticator app. Or you can enter the code displayed in the authenticator app under the Manually Enter Code text box
  11. Select Next
  12. Select Done and if desired, check Set As Preferred Authentication Method

Whether you use online banking or the Mobile App to set 2FA to "always on," it will remain turned on for all future logins, both mobile and desktop. (You can go back and turn it off later if you want.)

Create nicknames for your accounts

Personalizing your account names in online banking makes it easier to manage your money. With nicknames, you can stay on top of your spending and saving better, and clearly identify the purpose of each account.

For example, if you have two savings accounts with Patelco and one is for your children's college tuition, you may want to rename that account "College Fund." This will help you quickly locate the account in the future and encourage you to save as part of your own personal budget.

Here's how to nickname your accounts in online banking:

  1. Sign in to Patelco Online using a desktop computer
  2. From the main menu, select Accounts (by hovering)
  3. Then from the drop-down menu, tap or click on Accounts (the third one)
  4. Towards the righthand side of the page at the top, you'll see the name of the account with a small pencil icon next to it
  5. Tap or click on the pencil icon
  6. Type the new name for the account in the Nickname field (name it whatever you'd like with a maximum of 25 characters)
  7. If you want, you can also change the color that's displayed next to the account
  8. Select the Save button

The next time you view your account online, the nickname will appear.

Save time and paper with eStatements

Go a little greener with electronic statements, which you can access conveniently from your online account. They also provide added protection against mail theft. We'll email you monthly to let you know your statement is ready to view.

Getting started with eStatements (for new members)

  1. Log in to Patelco Online
  2. From the main menu, select Accounts (by hovering)
  3. Select Statements & Documents
  4. Select the Register tab
  5. Read and accept by selecting the Register button
  6. Confirm your name and provide your email address
  7. Choose which statements to receive electronically (you can select all of them even if you don't have that type of account)
  8. Select Next
  9. Accept the disclosures (if any)
  10. Once you see the confirmation screen, you're done

To view statements online, log in to Patelco Online, hover over Accounts in the main menu, and then select Statements & Documents. (You don't need to be signed up for eStatements to view your statements online.)

Getting started with eStatements (for existing members)

  1. Log in to Patelco Online
  2. From the main menu, hover over Accounts
  3. Select Statements & Documents
  4. Select Settings
  5. Choose whether you prefer eStatements or Paper for each type of account
  6. Select the Submit button when you're done

To view statements online, log in to Patelco Online, hover over Accounts in the main menu, and then select Statements & Documents. (You don't need to be signed up for eStatements to view your statements online.) You can view up to 6 years of statement history. If you need a statement older than 6 years, send us a secure message using the Message Center, found under Tools & Settings in the main menu.

How to access personal finance manager tools

This Patelco Online feature enables you to create and track budgets, set savings goals and receive notifications when you meet your milestones. To explore these features, hover over Tools & Settings in the main menu. Then tap or click on Budgets or Savings Goals.

How to use Courtesy Pay1

Use this debit card service and shop worry-free.

If you opt in through Patelco Online, we may authorize debit card purchases (except PIN-based transactions) even if you don't have sufficient funds to cover the transaction.

For each paid overdraft transaction, we'll charge a $28 fee unless you make a deposit to cover the negative amount of your account by the end of the same business day. (If the overdraft brings your account negative by $25 or less, we may also waive the fee.)

Once you're overdrawn on your account, you'll also be responsible for any other penalties or fees. Please refer to your Patelco Member Handbook for program details.

Want another way to protect your account from being overdrawn? Check out your overdraft protection options in Patelco Online.

To set up or modify Courtesy Pay, hover over Transfer & Pay from the main menu of online banking, and then tap or click on Courtesy Pay.

Using Overdraft Protection

Say goodbye to fees and overdrawn accounts with Overdraft Protection.

Here's how it works: we'll transfer money from your chosen backup account(s) to your checking account if there isn't enough money to cover a check, debit card purchase, or electronic transaction. It's a great way to avoid overdrawn accounts, overdraft charges and late fees. You can designate up to eight backup accounts and add or remove them easily.

Go to Patelco Online >

To set up or modify Overdraft Protection, log in to online banking, hover over Tools & Settings in the main menu, and then select Overdraft Protection.

Using Anywhere Deposit

Anywhere Deposit lets you to deposit checks directly into your account using Patelco Online or the Mobile App.

To use Anywhere Deposit, you must:

  • Meet credit requirements
  • Have our Mobile App on your iPhone or Android device, or be logged in to online banking
  • Be registered for Patelco Online

To use Anywhere Deposit, select the check deposit icon inside our Mobile App. Alternately, log in to online banking via a desktop computer, and hover over Transfer & Pay in the main menu. Then tap or click on Anywhere Deposit.

Get started with Patelco Online >

1 You must restore any amount by which your account is overdrawn immediately upon our demand. We are not obligated to make Overdraft Protection Plan transfers or advances if you have delinquent loan or account obligations with us. Items may not be paid against insufficient funds if you have been repeatedly overdrawn in the past six (6) months, if your checking account does not receive regular deposits, if you are in default on obligations to Patelco, or if you have had your Patelco checking account for fewer than thirty (30) days.