About Online Banking Services - Patelco Credit Union

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.

Explore how to use different features and tools available in online banking with our step-by-step demos.

Our platform includes:

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^®
Tools to help you create savings goals

Get started today with Patelco Online^™ >

Learn how to use online banking with ease

Whether you’re a first timer, or simply need help navigating different features and tools, our step-by-step demos will teach, inform and empower you to bank confidently online.

View Demos

All your banking needs in one place

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

Tap on this short interactive demo to learn how to set it up in online banking.

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.

Log in to Patelco Online^™ from a desktop computer
Select your profile photo or avatar in the upper right
Select Settings
Select the Security tab
Next to Two-Factor Authentication, turn the toggle to the ON position
Select the pencil icon next to 2FA App
Select Enroll
A QR code is displayed
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
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
Select Next
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:

Sign in to Patelco Online^™ using a desktop computer
From the main menu, select Accounts (by hovering)
Then from the drop-down menu, tap or click on Accounts (the third one)
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
Tap or click on the pencil icon
Type the new name for the account in the Nickname field (name it whatever you'd like with a maximum of 25 characters)
If you want, you can also change the color that's displayed next to the account
Select the Save button

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

How to automate your savings with RoundUp

Use your debit Mastercard®

For everyday items or recurring bill payments and make the most of each transaction

We’ll RoundUp the change

We’ll roundup the purchase amount to the nearest dollar or boosted amount and transfer into your savings.

See your savings grow

Feel good about your progress toward your big financial goals

Boost your RoundUp and see your savings add up

To accelerate your savings even more, you have the option to boost your roundup 1x, 3x, or 5x.

Let’s say you spend $4.25 on gourmet coffee once a week. Here’s how much you will save based on your boosted amount:

Boost	Per week	Per year
1x	$0.75	$39.00
3x	$2.25	$117.00
5x	$3.75	$195.00

By boosting your RoundUp 5x, you’d add $195 a year just for this one weekly purchase. Think of how quickly your savings will grow with all your everyday debit purchases!

It’s easy to enroll and start saving with each purchase you make. Sign up in Patelco Online^™ or at visit a local branch.

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

Log in to Patelco Online^™ or the Mobile App
Go to Accounts
Select Go Paperless and follow the prompts to set your preferences

To view statements online, log in to Patelco Online^™ or the Mobile App, 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 5 years of statement history. If you need a statement older than 5 years, send us a secure message using the Message Center, found under Account Services in the main menu.

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^™ >

Learn how to set up Overdraft Protection in this step-by-step demo below.

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 Deposit check 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^™ >