Ways to move your money

Discover the best option for your needs.

OptionsSpeedFeeBest For
Member to MemberWithin minutesNoTransfers between Patelco members
Zelle®Typically within minutes1NoSplitting costs and sharing money with family and friends2
Apple PayWithin minutesNoQuick payments at stores and online
Google PayWithin minutesNoQuick payments at stores and online
Bill PayUp to 3 business days (electronic)
Up to 9 business days
(check)		NoPaying routine bills
Bank Transfers2 to 3 business daysNoTransfers between institutions
Between Your Patelco AccountsWithin minutes, often instantlyNoTransfers between your own Patelco accounts
Wire TransferSame day if before 1pm PT (business days)Outgoing: $20 3 (domestic)

Incoming: $10 3 (domestic)
$15 (international)		Large payments

What do you want to do?

Transfer money to another Patelco member from your account

Log in or sign up for Patelco Online™ from a tablet or desktop computer, select Transfer & Pay from the main menu, and then select Transfer or Loan Payment. If you have not linked this other account to your account, you’ll need to select + Add an account and then follow the instructions provided – you will need the other member’s Last Name, Member Number (enter this in the Member Number section), and Suffix.

  • Sent within minutes
  • Limits are available in Patelco Online™ under Transfer & Loan Payment
  • Available at online banking and the Mobile App
  • No fee
Sign in to Patelco Online™
Zelle® makes it easy to send and receive money from friends and family

With an email address or US mobile phone number, you can send money to almost anyone you know, regardless of where they bank.1

Pay it safe with Zelle® and only send money with people you know.

  • Typically sent within minutes1
  • To review your available sending limit, sign in to online banking, go to Zelle® under Transfer & Pay, and select Send, then select a Contact. After select Limits (if you haven’t registered yet, you’ll need to register first)
  • No limits on how much you can receive
  • Available in online banking and the Mobile App
  • No fees1
Visit Zelle® Page Zelle<sup>®</sup> makes it easy to send and receive money from friends and family
Bill Pay is an easy way to pay your bills online with complete confidence

Control when and how your bills are paid online. All it takes is a few simple steps and a minimum balance of $25 in your checking account.

  • Typically delivered within 3 business days
  • Limits are available in Patelco Online™ under the Help section of the Bill Pay feature — log in to online banking, select Transfer & Pay and then Bill Pay
  • Available at online banking and the Mobile App
  • No fees
  • Watch this short demo to learn how to enroll in Bill Pay
Sign in to Patelco Online™
Make a transfer between your Patelco accounts and another bank

Easily move money between your accounts at Patelco and another bank or credit union.

  • Typically delivered within 2-3 business days
  • Limits are available in Patelco Online™ under Transfer & Loan Payment
  • Available in online banking and the Mobile App
  • No fees
  • Learn how to set up your external bank account in this short and interactive step-by-step demo
Sign in to Patelco Online™ Make a transfer between your Patelco accounts and another bank

Wire transfers let you send or receive large amounts within the US

Wire transfers are a secure way to send or receive money from another bank, person or company. They’re commonly used for large purchases, such as a down payment on a home.

  • Funds will be sent from Patelco accounts the same day, if the transfer request is made before 1pm on weekdays
  • Outgoing wire fee: $20; incoming wire fee: $10. Both waived for Commitment Household members.
  • Submit your request directly within Patelco Online™ (navigate to Transfer & Pay, then Wire Transfers) or visit your local branch. 

Learn how to submit a wire transfer in this short step-by-step demo.

Domestic incoming wire transfers to Patelco accounts should be directed as follows:

Patelco Credit Union
3 Park Place
Dublin, CA 94568

Include the following information for incoming transfers:

  • 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.
International wire transfers allow you to receive larger amounts of money from outside the US

A secure way to send money to or receive money from another bank, person or company in another country.

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.

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

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

3 Waived for Commitment Household members.