Money Movement | Pay & Transfer

Ways to move your money

Discover the best option for your needs.

Options	Speed	Fee	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 9 business days (check)	No	Paying routine bills
Bank Transfers	2 to 3 business days	No	Transfers between institutions
Between Your Patelco Accounts	Within minutes, often instantly	No	Transfers between your own Patelco accounts
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?

We’ve made it easier to transfer money with another Patelco member.

Sign in to Patelco Online^™ from a tablet or desktop computer

From the main menu, select Transfer & Pay

Select Transfer or Loan Payment

If the other member’s account is not available under To Account, select + Add an account

Select Send money to another Patelco Credit member

Follow the instructions provided – you will need the other member’s Last Name, Member Number (enter this in the Member Number section), and Suffix

Provide a Nickname and select Save
Transferring money between your own Patelco accounts is easy. Just log in to Patelco Online^™ and select Transfer & Pay from the main menu and then select Transfer or Loan Payment.

Transferring money between your Patelco account and another bank or credit union is now faster. You can initiate the transfer either at Patelco or at your other institution.
Log in to Patelco Online^™ and select Transfer & Pay from the main menu and then select Transfer or Loan Payment. If your external account does not appear in From Account or To Account, select + Add an account and follow the instructions to add your external account.

Making a one-time or recurring bill payment online is most convenient with our Bill Pay transfer option.
Learn more about Bill Pay.
To send or receive money from family or friends, you can use Zelle^®, Apple Pay, or Google Pay.

Learn more about Zelle^®

Learn more about Apple Pay/Google Pay

For larger payment amounts, you may want to consider a wire transfer. At this time, Patelco supports incoming wire transfers (from domestic or international banks) and outgoing wire transfers to domestic banks.

Learn more about wire transfers
Some independent contractors may accept (and even prefer) quick transfers over cash, which you can make with Zelle^®, Apple Pay, or Google Pay.

Learn more about Zelle^®

Learn more about Apple Pay/Google Pay
Need to send a quick payment to a friend or family member? Zelle^®, Apple Pay, or Google Pay are fast, easy ways to do that.

Learn more about Zelle^®

Learn more about Apple Pay/Google Pay
If you’re making a large purchase, like a down payment on a new home or buying a car, a wire transfer may be the best option.

Learn more about wire transfers

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 Zelle^® under Transfer & Pay, and select Send, then select a Contact. After select 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

Visit Zelle® Page

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
Outgoing wire fee: $20; incoming wire fee: $10. Both waived for Commitment Household members.
Submit your request directly within Patelco Online™ (navigate to Transfer & Pay, then Wire Transfers) or visit your local branch.

Learn how to submit a wire transfer in this short step-by-step demo.

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.

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.

Move money between accounts

Ways to move your money

What do you want to do?

Transfer money to another Patelco member

Transfer money between your own Patelco accounts

Transfer money between your Patelco account and another bank

Pay bills

Send or receive money from friends or family

Pay for a small purchase or service, like a haircut

Split the cost of a bill or chip in for a gift

Cover a large expense

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