Get paid up to 2 days early with Direct Deposit
Patelco is committed to helping our members bank with ease and security, and that includes providing faster access to your money. By setting up direct deposits going into your Patelco checking, savings, or money market account, you can get paid up to 2 days early, as we generally make funds available on the day the payment file is received, which is up to 2 days earlier than the scheduled payment date.
To set up your account for Direct Deposit, download and fill out the Patelco Direct Deposit authorization form. Then give the completed form to your employer or benefit provider.
If you need help, refer to the Guide to Patelco account numbers section below. (Your full checking account number can also be found by clicking or tapping on the checking account in Patelco Online™ and then selecting the Account Details tab.)
Share the love with automatic Payroll Disbursement
Automatically divide your paycheck among your Patelco accounts
When you use Direct Deposit, you also have the option of dividing your paycheck among your Patelco accounts. This is a great way to set up automatic saving for a large purchase, like a home down payment, a vehicle, or a vacation.
To set up a Payroll Disbursement, complete this disbursement form1 and mail it back to Patelco. (Our address is on the form.)
When you fill out this form, remember to use the correct account number formats to ensure your money is disbursed correctly.
For Checking Accounts, Money Market Accounts and Health Savings Accounts (HSAs), account numbers are 14 digits long, beginning with 746. (Your full checking account number can also be found on your checks, or by clicking or tapping on the checking account in Patelco Online™ and then selecting the Account Details tab.)
For example, checking account 12345-10 should be listed as 74600001234510 (746 + 0000 + 12345 + 10) on the form.
Savings and HSA numbers include only the account number and suffix, which must be separated by a dash.
For example, savings account 12345-00 should be listed as 12345-00 on the form.
Patelco's ABA/Routing Number is 321076470.
Say goodbye to fees and overdrawn accounts with Overdraft Protection
Here's how it works: we'll transfer money from your chosen backup account(s) to your checking account if there isn't enough money to cover a check, debit card purchase, or electronic transaction. It's a great way to avoid overdrawn accounts, overdraft charges and late fees. You can designate up to 8 backup accounts, and add or remove them easily.
To set up or modify Overdraft Protection, log in to online banking and then hover over Tools & Settings in the main menu. Then tap or click on Overdraft Protection.
See your finances more clearly with Patelco Online™
Our new online banking platform is desktop-, mobile and tablet-friendly, and includes your balances, upcoming transfers and payments all on one screen. Plus, fully customizable alerts help you keep on top of your money, and built-in budgeting tools empower you to manage your money with ease. Discover better online banking now.
Guide to Patelco account numbers
A quick guide for understanding your account details
Patelco's routing number
Our routing number is 321076470.
Checking, Money Market and Health Savings (HSA) accounts
Where's my account number?
Account numbers appear along the bottom of checks, to the right of our ABA/Routing Number. For select accounts, the full account number can also be found by clicking or tapping on the account in Patelco Online™ and then selecting the Account Details tab.
What do the numbers mean?
Account numbers for checking and Money Market accounts are 14 digits long, and include as zeros (0) after 746:
746 + prefilled zeros (0) + unique account number + 2-digit account type identifier
Where’s my account number?
Account numbers for savings-type accounts appear along the bottom of your deposit slip.
What do the numbers mean?
Account numbers for savings-type accounts are made up of:
your unique account + a dash + 2-digit account type identifier
What you'll need:
- The Patelco ABA/Routing Number, 321076470
- Your checking account number (look for the 14-digit number at the bottom of your checks, or find it by clicking or tapping on the account in Patelco Online™ and then selecting the Account Details tab)
If you're ready to order checks with your existing account information, order checks now with Harland Clarke.
Need to change the address or name on your checks? Call us at 800.358.8228 or visit a local branch.
Checks may only be ordered for checking or Money Market accounts.
Bank by phone anytime – get your current balance, make transfers, and hear your recent transactions.
You’ll need your Member Number and a telephone banking PIN to use telephone banking. Create a PIN by calling 800.358.8228 and selecting option 4 from the main menu.
Once you have your PIN and your Member Number ready, call 888.766.2424 and easily:
- Check account and loan balances
- Transfer funds
- Withdraw funds
- Make a credit card payment
- Draw funds from a line of credit
Moving your money
Send money to or from anywhere in the world. Details on our domestic wire transfer services can be found here.
For international services, we've partnered with Xoom™, so you can send money to over 60 countries - from across the border all the way to Europe, Asia and beyond. Deliver money by direct bank deposit, home delivery or in-person pickup--the choice is yours.