Free Checking

Always free, always easy.

  • $0 monthly fee
  • No minimum balance
  • Free overdraft transfers from a linked account
  • Free Mastercard® debit card
  • Free Mastercard ID Theft Protection
  • Free with all debit card purchases:
    • Price Protection
    • 12-month extended warranty
    • Satisfaction guarantee

Interest Checking

An everyday account that pays steady interest.

  • $5 monthly fee
  • $10 opening deposit
  • Free 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
  • Plus, the guaranteed benefits of all Patelco checking accounts.

Premier Interest Checking

Your hard-earned money can work harder.

  • $10 monthly fee
  • Free with daily average balance of $5,000 or more
  • $5,000 opening deposit
  • Free Mastercard® Identity Theft Protection
  • Free with all debit card purchases:
    • Price Protection
    • 12-month extended warranty
    • Satisfaction guarantee

Youth Checking

Life skills for teens, and the in-betweens.

  • Totally fee-free: no monthly, or low-balance 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

FREE CHECKING

$0/month

$0 monthly fee

No minimum balance

Free Mastercard™ Identity Theft Protection

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INTEREST CHECKING

$5/month

Low-cost account that pays steady interest.

$10 opening deposit

This account is free if any of the following apply to you:

  • Average daily balance of $500 or more
  • Monthly direct deposit of $100 or more
  • You’re a Patelco Commitment Household Member.

Dividends: 0.05% APY1 monthly

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PREMIER INTEREST CHECKING

$10/month

Tiered account: Earnings increase with your balance.

$5,000 opening deposit

Free with a $5,000 minimum daily balance

Dividends: 0.05% to 0.10% APY monthly

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YOUTH CHECKING

$0/month

$0 monthly fee

$10 opening deposit

No minimum balance

For youth ages 13-17

Account must be opened at a Patelco branch

APPLY TODAY

Simple and secure benefits

Free Direct Deposit

Free Direct Deposit

Get paid ASAP

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30,000+ Fee-free ATMs nationwide

30,000+ Fee-free ATMs nationwide

Find the ATM location nearest you

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Mastercard® Debit Card

Mastercard® Debit Card

The convenient and secure way to pay in person or online

Online & Mobile Banking

Online & Mobile Banking

Manage your money securely from virtually anywhere.

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Overdraft Protection

Overdraft Protection

Say goodbye to fees and overdrawn accounts

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Unlimited Bill Pay

Unlimited Bill Pay

Flexibility to pay your bills online quickly and securely

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Mobile App

Mobile App

Manage and access your money on the go

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Mastercard® ID Theft Protection2

Mastercard® ID Theft Protection2

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

Purchase & Price Protection

Purchase & Price Protection

Additional assurance when you pay with your Mastercard® card

Learn more
  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.