• $0 monthly fee
  • No minimum balance
  • Free overdraft transfers from a linked account
  • Free Debit Mastercard® card
  • Free Mastercard ID Theft Protection
  • Free with all debit card purchases:
    • Price Protection
    • 12-month extended warranty
    • Satisfaction guarantee
  • $5 monthly fee
  • $10 opening deposit
  • Monthly fee waived if your account meets any one of the following:
    • Monthly direct deposit of $100 or more
    • Minimum daily balance of $500
    • You’re a Patelco Commitment Household Member
  • Free Mastercard® Identity Theft Protection
  • No monthly fees
  • $10 opening deposit
  • Free first order of checks
  • ATM or Mastercard® debit card
  • $200 limit on debit card transactions and $100 limit on daily ATM withdrawals
  • Ages 13-17

Plus Checking

AT-A-GLANCE

Identity protection.

Worldwide ATM fee rebates.

Automatic Savings.

$6.95 /month

$10 opening deposit

OPEN TODAY
PROTECTION

Free Mastercard® ID Theft Protection

Purchase & price protection

Free overdraft protection

Award-winning EZShield® Identity theft protection & insurance up to $10,000

24/7 roadside assistance

Cell phone protection

SAVINGS

Automatic round ups on every debit card purchase with a 10% match

Exclusive discounts at local and national retailers

Up to two free ATM fee rebates per month

BENEFITS

No minimum balance

Free credit monitoring, quarterly credit report, quarterly updates on credit scores

IDEAL FOR SOMEONE WHO

Wants a checking account with added benefits at a great value

Wants worldwide ATM convenience

Uses a debit card for savings on everyday purchases

Looks for discounts on shopping and entertainment

Free Checking

AT-A-GLANCE

Always free, always easy.

$0/month

$10 opening deposit

OPEN TODAY
PROTECTION

Free Mastercard® ID Theft Protection

Purchase & price protection

Free overdraft protection

SAVINGS

BENEFITS

No minimum balance

IDEAL FOR SOMEONE WHO

Wants a fee free account

Wants a simple account with no bells or whistles

Interest Checking

AT-A-GLANCE

An everyday account that pays steady interest.

$5/month

$10 opening deposit

OPEN TODAY
PROTECTION

Free Mastercard® ID Theft Protection

Purchase & price protection

Free overdraft protection

SAVINGS

BENEFITS

Monthly fee waived if your account meets any one of the following:
• Monthly direct deposit of $100 or more
• Minimum daily balance of $500
• You're a Patelco Commitment Household Member

IDEAL FOR SOMEONE WHO

Wants to earn extra money

Has a recurring direct deposit

Young woman at lakefront dock stays connected on her mobile and headphones

Youth Checking

AT-A-GLANCE

Life skills for teens, and the in-betweens.

$0/month

$10 opening deposit

OPEN TODAY
PROTECTION

Free Mastercard® ID Theft Protection

Purchase & price protection

Free overdraft protection

SAVINGS

BENEFITS

No minimum balance

Free first order of checks

IDEAL FOR SOMEONE WHO

Is ages 13-17

Is opening their first checking account

Simple and secure benefits

Direct Deposit

Free Direct Deposit

Free Direct Deposit

Get paid ASAP

Set Up Direct Deposit
ATMs

30,000+ Fee-free ATMs nationwide

30,000+ Fee-free ATMs nationwide

Find the ATM location nearest you

Find an ATM
Debit card

Debit Mastercard® Card

Debit Mastercard® Card

The convenient and secure way to pay in person or online

Online banking

Online & Mobile Banking

Online & Mobile Banking

Manage your money securely from virtually anywhere.

Discover Mobile Banking
Overdraft Protection

Overdraft Protection

Overdraft Protection

Say goodbye to fees and overdrawn accounts

Set Up Overdraft Protection
Bill Pay

Unlimited Bill Pay

Unlimited Bill Pay

Flexibility to pay your bills online quickly and securely

Discover Bill Pay
Check Balance

Mobile App

Mobile App

Manage and access your money on the go

Explore our Mobile App
ID Protection

Mastercard® ID Theft Protection2

Mastercard® ID Theft Protection2

No-cost personal information protection with your Mastercard® debit or credit card

Purchase Protection

Purchase & Price Protection

Purchase & Price Protection

Additional assurance when you pay with your Mastercard® card

Card Services
  1. APY = Annual Percentage Yield. Subject to change. The minimum balance to earn the Premier Interest Checking rate is $5,000. Daily Balances below $5,000 earn the rate paid on Patelco's Interest Checking Account.
  2. To bring you this benefit, Mastercard has partnered with CSID®, an industry leader in identity protection and fraud detection. CSID is a registered trademark of CSIdentity Corporation.