A New Kind of Checking

For the member who wants to build their financial health, establish strong savings habits, and protect their money — Plus Checking fits right into your life. This one-of-a-kind package partners with industry leading providers EZShield® and BaZing to give you all the benefits of our everyday checking account, plus so much more.

Identity Theft Protection

Young couple playing with preschool-age daughter at home
  • Coverage for you and your family
  • Online ID vault for sensitive information, documents, and passwords you want monitored and protected
  • Fully managed ID Restoration Pro for the entire family to discover, isolate and prevent future fraud
  • Up to $10,000 a year of theft insurance to help cover charges accrued due to the theft (e.g. lawyer’s fees, lost wages)
  • Monitoring of public records, the internet and dark web, payday loans, and other places your information doesn’t belong

Worldwide ATM Fee Rebates

Young couple enjoying coffee on patio
  • Use any ATM worldwide
  • Automatic reimbursement of ATM fees by the end of the day
  • Two reimbursements per month

Automatic Round-Up Savings with 10% match

Two young ladies shopping online with their debit cards
  • We’ll round-up your total to the nearest dollar and transfer the difference into your savings account
  • We’ll then match 10% of the rounded-up amount and deposit it into your savings account

Credit Monitoring

Older couple looking at cell phone screen together.
  • Receive free credit monitoring across all 3 bureaus
  • Free quarterly credit report
  • Free quarterly credit score1
  • Automated alerts if anything on your credit profile changes

Exclusive Discounts

Family of four shopping together on a sunny day
  • Enjoy local and national discounts on dining, entertainment, travel, health, and shopping at thousands of merchants and stores you love, like Target and Walgreens
  • Easily accessible via the Patelco Plus Benefits App powered by BaZing, a leading provider of innovative online and mobile-based consumer checking solutions²
  • Patelco Plus Benefits App uses geolocation to deliver the discounts that are nearest to you

Roadside Assistance

Young women heading out in a car on a day trip
  • 24/7 roadside assistance including: 
    • Flat tire assistance
    • Towing
    • Battery service
    • Fuel, oil, fluid, and water delivery
    • Lock-out assistance
    • Collision
    • Extrication assistance
  • Up to $80 in service charges per incident
  • Up to four services per year

Cell Phone Protection

Young couple looking at cell phone together
  • Fix a damaged phone or replace a stolen phone
  • Covers up to three phones 
  • Up to $400 per claim 
  • Up to $800 per year (max 2 claims per year)
  • To be eligible for protection, the cell phone bill needs to be paid for out of the applicable Plus Checking account in the month prior to any incident


Cell phone protection is subject to additional terms and conditions. Identity, Credit, and Round-Up features all require enrollment. Insurance products are not a deposit, not NCUA insured, not an obligation by the Credit Union, its affiliates, and not guaranteed by any government agency. Participating merchants on Patelco Plus are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals. Policies and account features subject to change without notice.

ATM fee rebates, where offered as part of a checking benefit, apply to cash withdrawals using your Mastercard® debit card wherever it is accepted. ATM fee rebates do not apply to any fees other than those assessed for using an ATM to withdraw cash from your Patelco Credit Union account. Patelco Credit Union reserves the right to modify or discontinue the ATM fee rebate at any time. See Member Handbook for more details.

¹ The credit score is not necessarily the same score used by other credit bureaus.

² The Patelco Plus mobile app (powered by BaZing) is available on the App Store and Google Play Store. Eligible account holders of Plus Checking may download and login to the Patelco Plus mobile app using a valid email address and temporary password provided at the time of account opening. Not all versions of Andriod and iOS are supported.

Patelco Plus Benefits Website & App FAQs

Round-Up Savings FAQs

ATM Rebate FAQs