Patelco Credit Union

Choose the right transfer route

For another Patelco member, open Transfer & Pay, then Transfer or Loan Payment. Use Add an account for a new recipient, entering their last name, member number and account suffix. Your available limits appear in Transfer & Loan Payment.

External transfers between your own accounts typically take two to three business days and have no fee. Bill Pay also has no fee, but requires at least $25 in checking; its limits appear in the Bill Pay Help area. Patelco accepts international incoming wires but does not send international outgoing wires.

Account and wire costs

Free Checking has no monthly fee or minimum balance. The included debit card normally arrives within five business days. Membership also includes Regular Savings with no monthly fee, and Patelco contributes the initial $1 membership share.

The consumer tariff lists domestic outgoing wires at $20, domestic incoming wires at $10 and international incoming wires at $15. Commitment Household members can qualify for domestic wire-fee waivers. Plus Checking is a separate $6.95 monthly account.

Joining

Membership routes include eligible California communities, participating employers or colleges, and family or household connections to members. Another route is joining the Financial Fitness Association: Patelco pays its first-year membership, and renewing that association membership is not required to remain with the credit union.

An application asks for a Social Security number, government ID, home address and funding details.