Manage your debit or credit card with ease

Patelco Online™ keeps it simple and secure and is available 24/7. You can:

  • Check balances
  • Make a payment
  • Transfer funds
  • Easily view and redeem rewards
  • File a claim or dispute a charge
  • Set up alerts
  • Notify us if you are traveling
  • Request a balance transfer
  • Report a lost or stolen card

Get started today with Patelco Online™ >

Contactless Cards 

Credit and debit cards with contactless technology offer a secure, fast and easy way for you to pay for a purchase. It’s simple - just tap and go!   Contactless payments use short-range proximity technology to securely complete payments between a contactless card and a contactless-enabled checkout terminal. When you tap your contactless card at the checkout terminal your payment is sent for authorization just like it does when you swipe your card or insert the chip in the terminal.  

Common questions about contactless cards 

File a claim or dispute a transaction

If you see a charge you don’t recognize or had an issue with a purchase, you can submit a credit, debit, ATM, or HSA card dispute or claim within 60 days of the date it appears on your statement.

Many times, disputed charges are legitimate purchases that you may not recognize or remember, so before you file a claim we recommend reviewing your recent receipts or online shopping emails.

The easiest and fastest way to submit a fraud claim or dispute is in Patelco Online™ or the Patelco Mobile App. After you log in, hover over Accounts in the main menu, then tap or click on Accounts (the third one). Choose the account with the transaction that you want to dispute. Then select the dispute option next to the relevant transaction. We encourage you to file online, but you can also call us at 800.358.8228, visit a local branch or write to Patelco Credit Union, Card Services Department, PO Box 2227, Merced, CA 95344-0227.

Introducing onetime passcodes

We’ve added a new layer of security to our credit and debit cards, especially useful for cardholders shopping online. For certain transactions, onetime passcodes sent to your mobile phone will help us make sure your transactions belong to you.

Here's how it works: A passcode request will pop up during certain online transactions when our system detects the need for additional security. If you receive a request, check your mobile phone for a text containing the passcode, then enter it where prompted online. If you don’t enter the correct passcode, your transaction will not go through.

If you're having difficulty with a transaction where a onetime passcode is requested, contact us directly at 800.358.8228 for help.

Onetime passcodes will not apply to most transactions, so don’t be surprised if you don’t receive a request. If you do see one, rest assured that this extra authentication step is just a sign that our security measures are working to keep your accounts safe. Check out onetime passcode terms and details to learn more.

Common Patelco Rewards questions

How to verify or update your mobile number

  • Log in to Patelco Online™ select your name in the upper right corner, and select Settings. Then select the Contact tab and make sure we have your correct Mobile number.
  • Talk to a friendly team member at your local branch

If you prefer not to receive card text alerts, simply unsubscribe using the instructions included in the text message. We may also call or email you about suspicious transactions.

(This is an additional service, different from the account and transaction alerts you can sign up for in Patelco Online™.)

Travel notification and support

Reduce the risk of card fraud by letting us know when you travel.
When you're traveling outside of your home state or country:

  1. Make sure your contact information is up to date on Patelco Online™, or by calling us at 800.358.8228 or visiting a local branch.
  2. The easiest way to notify us is in Patelco Online™. Log in, then hover over Card Services in the main menu, and then tap or click on Travel Notification.  


How to request a balance transfer

Paying off high interest rate credit cards with your Patelco card is a simple way to consolidate your debt into one manageable payment. Plus, there are no additional charges to request a transfer and the process is easy.

To request a balance transfer:

  1. Log in to Patelco Online™
  2. From the main menu, hover over Card Services
  3. Select the Balance Transfer form
  4. Answer a few questions and then select Submit

Tip: Have your credit card account number and the payment address handy.

You can review the status of your transfer by selecting Card Services from the main menu, then Balance Transfers, and then View Submitted Forms.

Common fraud and dispute questions

Mastercard® Benefits

Your Patelco Mastercard® debit or credit card automatically comes with great benefits.


Pure Mastercard® Progress Student Rewards Mastercard® Points Rewards World Mastercard®
Safety and Security
Zero Liability Protection
Mastercard® ID Theft Protection™
Emergency Services
Emergency Cash Advance
Lost/Stolen Card Reporting
Access & Lifestyle Benefits
Priceless Cities
Cellphone Protection¹    
Golf Privileges
ShopRunner Membership    
Travel Benefits
Online Booking Tool
Airport Concierge
onefinestay Discount    
Personal Travel Advisor
Luxury Hotel & Resorts Program
Travel Accident Insurance**    

Safety and Security

Zero Liability Protection
You don’t have to worry when you use your Mastercard card because it’s covered by Zero Liability protection, whether you pay in-store, online, or over the phone. As a Mastercard cardholder, you’re not responsible in the event that someone makes unauthorized purchases with your card. Certain conditions and exceptions apply. †

Mastercard ID Theft Protection™
Detects and helps quickly resolve ID theft events at no extra cost. From scouring the internet to see if your personal info is being sold to helping you clear your name with credit rating agencies, we are there for you 24/7. Simply visit or call 800.MASTERCARD.

Emergency Services

Mastercard Global Service™
Provides 24 hours a day, 7 days a week member service assistance with Lost and Stolen Card Reporting, and Emergency Cash Advances, as well as assistance with locating ATMs.

Access and Lifestyle Benefits

Priceless® Cities
Get insider access to one-of-a-kind experiences and offers in some of the world's most exciting cities.

Golf Privileges
Access to private clubs, savings on public courses and resorts, preferred pricing, exclusive programs and preferred booking opportunities on TOURAcademy® programs nationwide.

As a member with a Mastercard® World or World Elite credit card, you will receive free 2 day shipping and free return shipping at over 140 different stores when you enroll at

Travel Benefits

Online Booking Tool
Discover a convenient way to book hotels, flights, and car rentals online.

Airport Concierge
Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival, or any connecting flights, 24/7/365 at over 450 destinations worldwide.

Enjoy 10% off bookings using using promo code MC10 on onefinestay, which offers vacation homes with hotel-like amenities at

Personal Travel Advisor
Experienced travel advisors assist with detailed travel plans, recommendations, and access to high quality, high value vacation choices around the world.

Luxury Hotel and Resorts Program
Enjoy the perfect accommodation from a unique collection of exceptional hotels and resorts with a room upgrade**, late check–out**, complimentary breakfast for 2 daily**, exclusive amenities**, and more.

Cruise Program*
Enjoy exceptional World benefits and savings on a global fleet of luxury cruise ships, mega-yachts and boutique river vessels.

Common questions about your Patelco Debit Mastercard® or Patelco Mastercard® credit card

Shop securely and conveniently with your Patelco card in your digital wallet

Add your Patelco credit and debit cards to the digital wallet of your choice: Apple Pay, Google Pay or Samsung Pay. Then, you can pay for thing simply by using your phone

Common Digital Wallet questions

† As a Mastercard cardholder, you will not be held responsible for unauthorized transactions if: (1) you have used reasonable care in protecting your card from loss or theft; and (2) you have promptly reported to your financial institution when you knew that your Mastercard was lost or stolen.

If you believe there has been unauthorized use on your account and you meet the conditions above, rest easy knowing you’re protected by Zero Liability. Zero Liability does not apply to the following Mastercard payment cards: commercial cards, unregistered prepaid cards or gift cards.

If you have questions regarding Zero Liability coverage or you suspect unauthorized use of your card, contact your financial institution IMMEDIATELY.

*These are summary descriptions only. Additional terms, conditions and exclusions apply. Please refer to your card’s Guide to Benefits for specific information.

**Subject to availability

CSID is a registered trademark of CSIdentity Corporation.

Mastercard, the Mastercard Brand Mark, Priceless and World Mastercard are registered trademarks.

Mastercard ID Theft Protection, Mastercard ID Theft Alerts, and Priceless Cities are trademarks of Mastercard International Incorporated.

¹ Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only.


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