Free Checking

Always free, always easy.

  • $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

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

OPEN TODAY

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

OPEN TODAY

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

OPEN TODAY

YOUTH CHECKING

$0/month

$0 monthly fee

$10 opening deposit

No minimum balance

For youth ages 13-17

OPEN TODAY

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.