Ways to move your money
Discover the best option for your needs.
Options |
Speed |
Fee |
Best For |
|---|---|---|---|
| Within minutes | No | Transfers between Patelco members | |
| Typically within minutes1 | No | Splitting costs and sharing money with family and friends2 | |
| Within minutes | No | Quick payments at stores and online | |
| Within minutes | No | Quick payments at stores and online | |
| Up to 3 business days (electronic) Up to 7 business days (check) |
No | Paying routine bills | |
| 1-2 business days | No | Transferring between institutions | |
| Within minutes, often instantly | No | Transferring between your own Patelco accounts | |
| Same day if before 1pm PT (weekdays) | Outgoing: $203 (domestic) Incoming: $103 (domestic) $15 (international) |
Large payments |
What do you want to do?
Transfer money to another Patelco member from your account.
To get started, log in or sign up for Patelco Online™, hover over Transfer & Pay then select Transfers.
- Sent within minutes
- Limits are available in Patelco Online™ under the Help section of the Transfers page
- Available at online banking and the Mobile App
- No fees
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
- Typically sent within minutes1
- To review your available spending limit, log in to Patelco Online™, hover over to Transfer & Pay, select Send Money with Zelle®, select Send, then select Limits
- No limits on how much you can receive
- Available at online banking and the Mobile App
- No fees1
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 Bill Pay
- Available at online banking and the Mobile App
- No fees
Make a transfer between your Patelco accounts and another bank.
Easily move money between your accounts at Patelco and another bank or credit union. To get set up, you’ll need to enter and verify your external account details. This is a one-time process that can be completed instantly.
- Typically delivered within 2-3 business days
- Limits are available in Patelco Online™ under the Help section of Transfers
- Available at online banking and the Mobile App
- No fees
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
- Submit your request at your local branch or by uploading our domestic outgoing wire transfer form in Message Center (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)
International Wire Transfers allow you to receive larger amounts of money from outside the US.
A secure way to send or receive money to another bank, person or company in another country.
- Incoming transfers: Review our international incoming wire instructions
- Outgoing transfers: Patelco does not offer international outgoing wire Transfers. As a safe and fast alternative, check out our partner Xoom™ at xoom.com.
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.
Related support topics
- How to transfer your money to your Patelco loan, credit card, or mortgage (PDF)
- How to transfer money to your account at another financial institution (PDF)
- How to transfer money to another Patelco member (PDF)
- How to transfer money to your other Patelco accounts (PDF)
- How to schedule a one-time or recurring transfer (PDF)
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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.