Money transfer options in Patelco Online

Log in to Patelco Online™ and you'll discover many options for transferring money:

  • Between your Patelco accounts
  • From your account to another Patelco member
  • Between your account and another financial institution using the MONEYLINK-24 widget
  • To friends and family with Zelle®

Send or receive money with Zelle

Zelle is a fast, safe and easy way to send or receive money with family and friends. Log in to the Patelco Mobile App or Patelco Online™ to enroll or visit our Zelle page learn more.

Transfer money between your account and another bank using MoneyLink-24

With MoneyLink-24, you can easily move money between your Patelco checking or savings account into your external bank account. Funds are sent within three business days and you can transfer up to $3,500 per day to an external account and receive up to $10,000 per day into your Patelco account – fee free.

How to set up MoneyLink-24

  1. Sign in to Patelco Online™ or create an account

  2. Select the Moneylink-24 widget (you may need to select the MORE widget first)

  3. If prompted, follow the steps to verify your email address

  4. Select Add a New Account and enter your external bank account details

  5. For your security, we’ll need to verify that the external account belongs to you. You have the option to log in to your external bank to verify the account immediately or you can verify it through two trial deposits (this option will take 2-3 business days to process)

  6. Once your account is verified, enter the dollar amount and account you want to transfer funds to and from

  7. Enter the date you want to transfer money or set a recurring date

  8. Select Submit

Bank internationally

Send money quickly and securely to over 60 countries around the globe

We've partnered with Xoom™, so you can send money and pay bills around the world.

Xoom™ is currently available in over 60 countries. Money can be delivered by direct bank deposit, home delivery or cash pickup.

Send money now with Xoom™ >

Wire Transfers

Wire transfers help move money electronically from one account to another, and are commonly used to send funds to family or when making large purchases. Here are instructions for incoming wire transfers.

Domestic Incoming Wire Transfers

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

International Incoming Wire Transfers

Outgoing Domestic Wire Transfers

Please fill out the domestic outgoing wire transfer form and then fax it to 925.847.1977 along with a legible scan of your valid driver's license or other government-issued ID such as a passport.

Outgoing International Wire Transfers

Patelco does not offer international outgoing wire Transfers. As a safe and fast alternative, check out our partner Xoom™.

With Xoom™, you can send money to over 60 countries around the globe. Visit or call 877.815.1531 for more information.

Account number formats

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.

For example, checking account 12345-10 should be listed as 74600001234510 on any forms (because it’s 746 + 0000 + member number 12345 + suffix 10).

For all types of Savings accounts (except HSAs), the proper account number format includes only the account number and suffix, which must be separated by a dash.

For example, the correct format for savings account 12345-00 is 12345-00 for forms.

Common questions about transfers

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

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