Ways to move your money

Discover the best option for your needs.

Options

Speed

Fee

Best For

Member to Member

Within minutes No Transfers between Patelco members

Zelle®

Typically within minutes1 No Splitting costs and sharing money with family and friends2

Apple Pay

Within minutes No Quick payments at stores and online

Google Pay

Within minutes No Quick payments at stores and online

Bill Pay

Up to 3 business days (electronic)
Up to 7 business days (check)
No Paying routine bills

Bank Transfers

1-2 business days No Transferring between institutions

Between Your Patelco Accounts

Within minutes, often instantly No Transferring between your own Patelco accounts

Wire Transfer

Same day if before 1pm PT (weekdays) Outgoing: $203 (domestic)

Incoming: $103 (domestic)
$15 (international)
Large payments

What do you want to do?

  • Sent within minutes
  • Limits are available in Patelco Online™ under the HELP section of the TRANSFERS widget
  • Available at online banking and the Mobile App
  • No fees

 

  • Typically sent within minutes1
  • To review your available sending limit, go to the SEND MONEY WITH ZELLE® widget and select Send, then Limits.
  • No limits on how much you can receive
  • Available at online banking and the Mobile App
  • No fees1

 

  • Typically delivered within 3 business days
  • Limits are available in Patelco Online™ under the HELP section of the BILL PAY widget
  • Available at online banking and the Mobile App
  • No fees

 

  • Typically delivered within 2-3 business days
  • Limits are available in Patelco Online™ under the HELP section of the TRANSFERS widget
  • Available at online banking and the Mobile App
  • No fees

 

  • Funds will be sent from Patelco accounts the same day, if the transfer request is made before 1pm on weekdays
  • Submit your request at your local branch or by faxing our domestic outgoing wire transfer form to 925.847.1977 (along with a copy of your valid driver's license or other government-issued ID such as a passport)
  • Outgoing: $20, Incoming: $10 ( both waived for Commitment Household members)
  • Domestic incoming wire transfers to Patelco accounts should be directed as follows:
    Patelco Credit Union
    3 Park Place
    Dublin, CA 94568

    ABA/Routing Number: 321076470
    Member's full name (as it appears on Patelco statements)
    Member's full account number (find your account number in Patelco Online™ by selecting the Account Details tab of the account you want to use to receive the transfer)

 

When using wire transfer forms, remember to use the correct account number formats to ensure proper delivery.

For Checking accounts, Money Market accounts and Health Savings Accounts (HSAs), the proper account number format is 14 digits long, beginning with 746. Your account number can be found at the bottom of your check, or by clicking or tapping on your account in Patelco Online™ and then selecting the Account Details tab.

 

Limits are based on funds availability.

Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

1US checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

2In order to send payment requests or split payment requests to a US mobile number, the mobile number must already be enrolled with Zelle®.

3Waived for Commitment Household members.

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