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™ >

Patelco Rewards

How it works

  1. Open a rewards-eligible Patelco credit card.
  2. For eligible cards, enrollment in Patelco Rewards is automatic.
  3. Accrue points with your purchases. Some cards even offer double points on certain purchases.
  4. Redeem your Patelco Rewards Points through Patelco Online™.

How to redeem your Patelco Rewards Points

  • Points can be used for travel, merchandise, gift cards or cash credit to your account.
  • Points convert to cash at a value of $.01 per point.
  • 2,500 points (or more) are required for all redemptions.
  • Points never expire.

See your current rewards options at Patelco Online™. (When you log in, select the MORE… widget to locate the REWARDS widget and access your rewards account).

Common Patelco Rewards questions

Instant card text alerts are here

You asked, we listened. We'll now text you if we see a suspicious transaction on your debit or credit card. (We'll only text you if you've given us your mobile number.) When we text you, you can tell us if the transaction is really yours. This empowers us to block fraud together - and also assures your legitimate purchases are approved.

See all the FAQs here.

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™. Simply go to the MORE widget, then select Member Services to submit a secure form. You can also call 800.358.8228 to let us know your travel dates, the places you’ll visit and the Patelco cards you’ll be using.

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. Select the MORE widget and navigate to Member 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 View Submitted Forms within the same Member Services widget. We’ll update you as your transfer is being processed and will send a check directly to your creditor to complete the transfer.

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™ (desktop only for now). After you log in, select the ACCOUNTS widget and 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.

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® Payback Rewards World Mastercard® Passage Rewards World Elite Mastercard®
Safety and Security
Zero Liability Protection
Mastercard® ID Theft Protection™
Emergency Services
Emergency Card Replacement
Emergency Cash Advance
Lost/Stolen Card Reporting
Access & Lifestyle Benefits
Priceless Cities
Cellphone Protection¹    
Postmates Discount²    
Golf Privileges
ShopRunner Membership    
Personal Concierge Discount        
Fandango Discount        
Travel Benefits
Online Booking Tool
Airport Concierge
onefinestay Discount    

Personal Travel Advisor
Luxury Hotel & Resorts Program
Travel Accident Insurance**    
Cruise Program*
Tours & Vacation Program
Car Program: Rental/Chauffeur*
Air Travel Program*
Lyft credit

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 1-800-Mastercard.

Emergency Services

Mastercard Global Service™
Provides 24 hours a day, 7 days a week member service assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, 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

Cellphone Insurance¹
You’re covered if your phone is stolen or damaged. Simply pay your mobile carrier charges with your Patelco credit card and you’re covered. Visit for details and to file a claim.

Postmates Discount²
Saving yourself a trip to the store saves more than just time. When you use your Patelco Passage Rewards World Elite Mastercard to order food, drinks or groceries through Postmates, you’ll receive a $5 discount for every purchase of $25 or more. Simply visit or download the Postmates app and load your card. Discount³
Order everyday essentials in bulk online with Boxed. Pay with your Patelco Passage Rewards World Elite Mastercard to earn 5% Cash Rewards you can redeem on future purchase at Boxed. Simply visit or download the Boxed app and load your card.

Fandango Discount⁴
Earn $5 toward more movies every time you purchase two movie tickets with Fandango. Buy tickets at to get your $5 reward.

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.

Tours & Vacation Program
Don’t just visit a destination – live it, with world class tour and vacation packages exclusively for World Elite cardholders. From family–friendly destinations to fully customized travel experiences, enjoy special savings wherever your dream vacation takes you. Learn more

Car Program: Rental/Chauffeur*
Enjoy exceptional World benefits and savings on a global fleet of luxury cruise ships, mega-yachts and boutique river vessels. Arrive relaxed and in style using World Elite premier limousine and chauffeured car providers. Enjoy special savings with every trip.

Air Travel Program*
Get upgrades, savings and discounts on select airlines for domestic and international air travel.

Lyft credit5
Take 5 rides, get a $10 Lyft credit every month with your Patelco Passage Rewards World Elite Mastercard. Download the Lyft app, load your card, and enroll to start earning credits.

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.

² Visit to learn more about the Postmates benefit. For full terms please visit

³ Beginning at 12:00AM ET on 4/15/19 and ending 11:59PM ET on 4/01/20 or such earlier date as the Offer is terminated by Mastercard and/or Boxed, customers using an eligible World Elite Mastercard could earn 5% in Cash Rewards on the total amount of every purchase made at Boxed, excluding taxes and governmental fees, shipping and handling charges, discounts on account of any applicable Promotions and/or Promo Codes, the application of any accrued Cash Rewards and alcoholic products. Shipping within the contiguous U.S. only. Standard terms and conditions apply ( For more details visit:

⁴ Certain terms, conditions, and exclusions apply. See your guide to benefits or visit for more information.

⁵ Certain terms, conditions and exclusions apply. Enrollees in the Lyft and Mastercard World Elite benefit will receive a $10 Lyft credit (“Credit”) for taking five (5) Lyft rides in a calendar month when paid for with a Mastercard World Elite credit card. Limit one Credit per month per Lyft account. Credit may take up to 2 days to be applied. Credit expires 30 days after application. See for full terms and to enroll in the program. Lyft’s Terms of Service apply.

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