Routing # 321076470

Checking Accounts

The right checking account helps build your finances on a strong foundation. Explore our checking solutions tailored for your unique needs.

No Fees

Free Checking

Take advantage of no fees or minimums with our everyday, worry-free checking account.

Extra Benefits

Plus Checking

A one-of-a-kind checking account with exceptional benefits and discounts.

Extra Interest

Interest Checking

Earn interest on an everyday account and easily waive the monthly fee.

No Fees

Student Checking

Teach teens to be money smart with no monthly fees and daily limits.

How to compare types of checking accounts

Checking accounts have different features and fees. Most allow you to write checks, use a debit card, pay bills online, and send digital payments — but how do you choose the right type of checking account for you? To help you choose, ask yourself these questions.

1

Monthly Fees

Is it important to avoid paying fees on your account?

2

Opening Deposit Requirements

Do you have money to transfer into the account now?

3

Minimum Balance Requirements

Are you able to keep enough money in your account?

4

Earning Interest

Do you want to earn interest on your deposits over time?

5

Overdraft Fees

Do you worry about spending more than you have in your account?

6

Added Benefits

Are you looking for added perks, like ID theft protection, discounts, etc?

Checking with all the benefits you expect, plus more

ATMs Galore

30,000+ Fee-free ATMs nationwide

Debit Mastercard®

The convenient and secure way to pay in
person or online

Get Paid Early with Direct Deposit1

Set up direct deposit to your checking account and access your funds up to two days early

Mastercard© ID Theft Protection™

No-cost personal information protection with your debit Mastercard® for checking accounts

Overdraft Protection

Say goodbye to fees and overdrawn checking accounts when you link certain accounts

RoundUp

We’ll round up your debit purchases to the nearest dollar and deposit it into your savings.

Access your checking account on the go with mobile banking

Securely log in to Patelco Online or our easy-to-use app to check account balances and FICO® score for free, send money, pay bills, make a mobile deposit, set up account alerts, and more. Get started today with Patelco Online™ or our top-rated Mobile App.2

Enroll in Patelco Online™

Checking Account FAQs

1 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

2 Source: Over 22,000 five-star reviews on the App Store.

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