The right checking account build a strong foundation — find one tailored to your unique needs.
The right savings account helps you grow toward your goals — find one that fits your needs and lifestyle.
Manage your Patelco accounts effortlessly with our comprehensive support services.
Low rates, no annual fees — Patelco credit cards fit every lifestyle and financial goal.
Flexible loans and lines of credit to consolidate debt or cover life’s big expenses
Flexible lending options and programs for new and existing homeowners.
Take advantage of one of life’s biggest investments.
Drive off with an affordable new or used vehicle, or save on one you already own.
Have your fun and freedom with a great loan that fits into your financial plan.
Explore payment options and answers to commonly asked questions about loan payments with Patelco.
Up to $50,000. As low as 12.40% APR.
Get support managing your debit and credit cards and loans.
Learn more about our local expertise, guidance and personal service.
Tailored investment solutions to help you plan, invest, and secure your financial future.
Comprehensive insurance solutions to protect your assets and loved ones.
Complimentary one-on-one guidance from our Certified Financial Specialists.
Connect with us and find the right insurance option that fits your needs.
We provide a number of banking solutions to help your small business grow with peace of mind and personalized service.
Help your business grow with the convenience of our worry-free checking account.
Enjoy the convenience of higher transaction limits with low monthly fees.
Earn rewards points on your purchases with extra security features, tools and benefits.
Ensure peace of mind and keep your business going with overdraft protection.
Everything your business needs — from hardware to software — to process payments.
Simple and secure Payroll Solutions to help you better manage your business.
A convenient, secure account that helps your business grow with no monthly fee.
Get the most out of your Patelco Business relationship with a rate as high as 3.25% APY.
Meet with our Virtual BranchTM to open your account from the comfort of your home or business. You can schedule a video appointment or meet instantly with a Patelco team member.
Patelco’s Digital Banking provides secure, convenient access to your accounts anytime, anywhere. Manage your finances effortlessly with our comprehensive suite of online and mobile services.
Sign up for Patelco Online™ to access and manage your accounts securely.
Schedule a video appointment or meet instantly with a Patelco team member.
Manage accounts, pay bills, and transfer funds securely from any device.
Bank on the go: check balances, deposit checks, send money and more.
Make secure, contactless payments using your mobile device at participating merchants.
Schedule and manage your bill payments online with ease and confidence.
Transfer funds between accounts or send money to others quickly and securely.
Send and receive money instantly with friends and family using Zelle®.
Download our Mobile App to check your balance, make transfers, pay bills, deposit checks, plan and save securely and conveniently from your phone or tablet.
Patelco Credit Union is a full-service, not-for-profit financial cooperative dedicated to helping members and communities prosper. With nearly $10 billion in assets and over 500,000 members nationwide, we are one of the largest credit unions in the nation.
Learn more about Patelco’s community values, service in action, impact, events and partnerships.
As your trusted financial partner, we’re solely focused on helping our members build and sustain their best financial lives. Learn what makes Patelco membership different.
Get expert guidance, tools and support to take control of your financial future — from fraud prevention to education, relief options, and personalized advice.
Protect yourself from scams with tools, alerts, and tips to keep your info secure.
Explore financial hardship resources, loan relief options, and personalized support.
Tune in for expert interviews and real-life stories to help you master your money.
Get one-on-one coaching and tailored financial guidance from our financial specialists.
Join live and on-demand webinars to grow your financial knowledge and confidence.
Access tools, articles, and interactive course to support smarter financial decisions.
Access articles, guides, and tools to enhance your financial knowledge.
Access to your accounts anywhere, anytime
The secure, convenient way to make purchases using your mobile device.
With a simple tap of your phone, you can use your Patelco Mastercard® credit or debit card to pay at over one million U.S. merchant locations that accept mobile payments.
Simply use one of the of the trusted solutions below — your payment information is never shared with merchants or stored on your device.
Set up Apple Pay
Install Google Pay
Install Samsung Pay
Set up your Digital Wallet
Make a contactless purchase
Enjoy the convenience
Devices vary, but you typically need to hold the phone up to a contactless pay device. Your phone will prompt you to unlock your phone with facial ID, a fingerprint or a password.
When you pay using digital payments, your card info is not stored or transferred to the merchant — so your card data is protected. If you are affected by a merchant’s security breach, simply call Patelco at 800.358.8228, explain which method you used to pay (digital or traditional). We’ll help you determine your next steps.
It’s easy to update your card in your Digital Wallet. First, delete your old card from your payment app. Then add the card back to the payment app as if you were doing it for the first time. The digital code associated with your card will be deleted and a new one will be assigned.
No, the way you choose to pay is up to you. Digital payments are simply a convenient option for quick, easy and secure payments.
Always! Digital Wallet technology is simply another option for you to complete a purchase. However, like all transactions, merchants may still charge a credit card processing fee (depending on the purchase).
Start by seeing if your mobile device is compatible. You can learn more about the functions and capabilities of each Digital Wallet by visiting the app that’s compatible for your payments: Apple Pay, Google Pay and Samsung Pay.
Your card number is never used in a Digital Wallet transaction. Should the cashier need the last digits of your unique number, this can be found with your card information in your Digital Wallet app.
Some purchases, like at gas stations and vending machines, require a pre-authorization before you can actually make the purchase. In these instances, your Digital Wallet will show the authorization amount and not the final purchase price. Your final purchase price will be accurate in Patelco Online™ and Mobile Banking, and on your account statement.
Digital Wallet solutions assign, encrypt and securely store a unique “token” for each transaction. When a purchase is made, the token, along with a transaction-specific dynamic security code, is used to process the payment. Your card number is never shared with merchants or transmitted with the payment.
When you set up the Digital Wallet app on your new phone, you may be asked to re-authenticate your card and account. Follow the instructions provided in the app.
