Ways to move your money

Discover the best option for your needs.




Best For

Member to Member Within minutes No Transfers between Patelco members
Zelle® Typically within minutes1 No Splitting costs and sharing money with family and friends2
Apple Pay Within minutes No Quick payments at stores and online
Google Pay Within minutes No Quick payments at stores and online
Bill Pay Up to 3 business days (electronic)
Up to 7 business days
No Paying routine bills
Bank Transfers 1 to 2 business days No Transfers between institutions
Between Your Patelco Accounts Within minutes, often instantly No Transfers between your own Patelco members
Wire Transfer Same day if before 1pm PT (business days) Outgoing: $20 3 (domestic)

Incoming: $10 3 (domestic)
$15 (international)
Large payments

What do you want to do?

A friend transfers money from Patelco Online to her friend's account as they settle their bill at brunch.
Transfer money to another Patelco member from your account

Log in or sign up for Patelco Online from a tablet or desktop computer, select Transfer & Pay from the main menu, and then select Transfers. If you have not linked this other account to your account, you’ll need to select + Add an account and then follow the instructions provided – you will need the other member’s Last Name, Member Number (enter this in the Account Number section), and Share ID.

  • Sent within minutes
  • Limits are available in Patelco Online™ under the HELP section of the Transfers functionality
  • Available at online banking and the Mobile App
  • No fee
Zelle® makes it easy to send and receive money from friends and family

With an email address or US mobile phone number, you can send money to almost anyone you know, regardless of where they bank.1

Pay it safe with Zelle® and only send money with people you know.

  • Typically sent within minutes1
  • To review your available sending limit, sign in to online banking, go to the Send Money with Zelle® under Transfer & Pay, and select Send, then Limits (if you haven't registered yet, you'll need to register first)
  • No limits on how much you can receive
  • Available in online banking and the Mobile App
  • No fees1
A 20-something uses Zelle at a restaurant.
A couple sets up Bill Pay using Patelco Online on their phone.
Bill Pay is an easy way to pay your bills online with complete confidence

Control when and how your bills are paid online. All it takes is a few simple steps and a minimum balance of $25 in your checking account.

  • Typically delivered within 3 business days
  • Limits are available in Patelco Online under the Help section of the Bill Pay feature — log in to online banking, select Transfer & Pay and then Bill Pay
  • Available at online banking and the Mobile App
  • No fees
Make a transfer between your Patelco accounts and another bank

Easily move money between your accounts at Patelco and another bank or credit union. To get set up, you’ll need to enter and verify your external account details. This is a one-time process that takes about 2-3 business days to complete.

  • Typically delivered within 2-3 business days
  • Limits are available in Patelco Online under the Help section of the Transfers feature in online banking
  • Available at online banking and the Mobile App
  • No fees
A bearded man with a pug on his lap scans a QR code with his phone.

Wire transfers let you send or receive large amounts within the US

Wire transfers are a secure way to send or receive money from another bank, person or company. They're commonly used for large purchases, such as a down payment on a home.

  • Funds will be sent from Patelco accounts the same day, if the transfer request is made before 1pm on weekdays
  • Submit your request at your local branch or by uploading our domestic outgoing wire transfer form in the Message Center along with a copy of your valid driver's license or other government-issued ID, such as a passport
  • Outgoing wire fee: $20; incoming wire fee: $10. Both waived for Commitment Household members.

Domestic incoming wire transfers to Patelco accounts should be directed as follows:

Patelco Credit Union
3 Park Place
Dublin, CA 94568

Include the following information for incoming transfers:

  • ABA/Routing Number: 321076470
  • Member's full name (as it appears on Patelco statements)
  • Member's full account number. Find your account number in Patelco Online by selecting the Account Details tab of the account you want to use to receive the transfer.

Download the Domestic Outgoing Wire Transfer Authorization form.

A woman sets up an international wire transfer from her desktop computer.
International wire transfers allow you to receive larger amounts of money from outside the US

A secure way to send money to or receive money from another bank, person or company in another country.

When using wire transfer forms, remember to use the correct account number formats to ensure proper delivery.

For Checking accounts, Money Market accounts and Health Savings Accounts (HSAs), the proper account number format is 14 digits long, beginning with 746. Your account number can be found at the bottom of your check, or by clicking or tapping on your account in Patelco Online™ and then selecting the Account Details tab.

Limits are based on funds availability.

Zelle® and the Zelle®-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

1 US checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

2 In order to send payment requests or split payment requests to a US mobile number, the mobile number must already be enrolled with Zelle®.

3 Waived for Commitment Household members.