Patelco Credit Union Interest Checking
in Checking Accounts from Patelco Credit Union · Member ncua
UnaffiliatedPatelco Credit Union Interest Checking
in Checking Accounts from Patelco Credit Union · Member NCUSIF
Would you recommend Patelco Credit Union Interest Checking to your friends?
| Community Rating |
Rating not yet determined |
| Monthly Fee | $0 - $5 |
| ATM Fee: Out-of-Network | $1.75 |
| Minimum Balance to Avoid Monthly Fee | $500 |
| APY (Annual Percentage Yield) | 0.05% |
Patelco Credit Union Interest Checking Review
Patelco Credit Union Interest Checking is offered by Patelco Credit Union, a credit union founded in 1936 and based in Pleasanton, CA. Patelco Credit Union Interest Checking is available in 1 state across the USA.
- Low APY. The maximum annual percentage yield for this account is only 0.05%.
- Charges a monthly fee. This account charges a monthly maintenance fee of up to $5, but the fee is waived if you keep a minimum balance of $500 or have a monthly direct deposit of $100.
- Small minimum initial deposit. You only need $10 to open an account.
- No ATM fees. Patelco Credit Union Interest Checking does not charge fees on ATM transactions within its network but there is a fee of up to $1.75 for out-of-network ATM transactions.
- Free bill pay. Pay your bills to practically anyone in the United States through Patelco Credit Union.
- Hard credit pull. Patelco Credit Union may require a hard pull on your credit report to open a checking account.
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Are checking accounts from Patelco Credit Union federally insured?
Yes, your Patelco Credit Union checking accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does Patelco Credit Union Interest Checking offer?
| Description | |
|---|---|
| APY (Annual Percentage Yield) | 0.05% |
Patelco Credit Union Interest Checking offers an APY of 0.05% (APY stands for annual percentage yield, rates may change).
What are the account minimums for Patelco Credit Union Interest Checking?
Patelco Credit Union Interest Checking requires a minimum initial deposit of $10 to open an account.
| Description | Amount |
|---|---|
| Minimum Opening Deposit | $10 |
| Minimum Direct Deposit to Avoid Monthly Fee | $100 |
| Minimum Balance to Avoid Monthly Fee | $500 |
What fees does Patelco Credit Union Interest Checking charge?
This account charges a monthly maintenance fee of up to $5.
| Description | |
|---|---|
| ATM Fee: In-Network | $0 |
| Debit Card Replacement Fee | $0 |
| Early Account Closure | $20 |
| Foreign Transaction Fee (Debit Card) | 1% |
| Monthly Fee | $0 - $5 |
| NSF Fee | $28 |
| Online Bill Pay Fee | $0 |
| Overdraft Item Fee | $28 |
| Overdraft Protection Fee (per transfer) | $28 |
| Paper Statement Fee | $0 |
| Returned Deposit Fee (Domestic) | $20 |
| Returned Deposit Fee (International) | $20 |
| Stop Payment Fee | $15 |
| Wire Transfer Fee - Domestic (Incoming) | $10 |
| Wire Transfer Fee - Domestic (Outgoing) | $20 |
| Wire Transfer Fee - International (Incoming) | $15 |
| ATM Fee: Out-of-Network | $1.75 |
What features and perks does Patelco Credit Union Interest Checking offer?
This account includes the following features:
- Fraud monitoring - Patelco Credit Union Interest Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Patelco Credit Union Interest Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Contact
- Headquarters
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5050 Hopyard Rd
Pleasanton, CA 94588 - Visit Site
Other Services by Patelco Credit Union
Availability
Feature Breakdown
| APY Minimum Balance | $0 |
| Minimum Direct Deposit to Avoid Monthly Fee | $100 |
| Minimum Opening Deposit | Starting at $10 |
| Minimum Balance to Avoid Monthly Fee | $500 |
Patelco Credit Union Interest Checking Community Reviews
Would you recommend Patelco Credit Union Interest Checking to your friends?
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