Patelco Credit Union Interest Checking
Explore a similar product
Try this top product in Checking Accounts.
| Community Rating |
Rating not yet determined |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) | 0.05% |
| Monthly Fee | $0 - $5 |
| Minimum Balance to Avoid Monthly Fee | Starting at $500 |
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.
Key Takeaways
- Higher than average APY. Patelco Credit Union Interest Checking has an annual percentage yield of up to 0.05%, which is higher than the national average interest rate on savings accounts.
- Charges a monthly fee. This account charges a monthly service 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.
- Bill pay. Pay your bills to practically anyone in the United States through Patelco Credit Union.
Patelco Interest checking Pros & Cons
| Pros | Cons |
|---|---|
|
|
Patelco Interest checking FAQ
Are checking accounts from Patelco Credit Union federally insured?
Yes, your Patelco Credit Union checking accounts are insured up to $250,000 per share owner for each account ownership category. 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 Interest checking offer?
| Description | |
|---|---|
| APY (Annual Percentage Yield) | 0.05% |
Patelco Interest checking offers an APY of 0.05% (APY stands for annual percentage yield, rates may change).
What are the account minimums for Patelco Interest checking?
Patelco Interest checking requires a minimum initial deposit of $10 to open an account.
| Description | |
|---|---|
| Minimum Opening Deposit | Starting at $10 |
| Minimum Balance to Avoid Monthly Fee | Starting at $500 |
| Minimum Direct Deposit to Avoid Monthly Fee | $100 |
| Minimum Balance to Earn APY | $0 |
What fees does Patelco Interest checking charge?
This account charges a monthly service fee of up to $5.
| Description | |
|---|---|
| Monthly Fee | $0 - $5 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | Starting at $1.75 |
| Foreign Transaction Fee (Debit Card) | 1% |
| NSF Fee | $28 |
| Overdraft Item Fee | $28 |
| Overdraft Protection Fee (per transfer) | $28 |
| 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 |
| Paper Statement Fee | $0 |
| Online Bill Pay Fee | $0 |
| Debit Card Replacement Fee | $0 |
| Early Account Closure | $20 |
Does Patelco Interest checking charge overdraft fees?
Yes, Patelco Interest checking charges a $28 fee for every overdraft.Patelco Interest checking offers overdraft protection at a cost of $28 per transaction.
What features and perks does Patelco Interest checking offer?
This account includes the following features:
- Fraud monitoring - Patelco Interest checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Patelco Interest checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Patelco Interest checking?
The customer support email for Patelco Interest checking is info@patelco.org.
How do people rate the customer service and user experience of Patelco Interest checking?
Overall, Patelco Interest checking is mostly recommended based on community reviews that rate customer service and user experience.
Message From Patelco Credit Union
Contact
- Headquarters
-
5050 Hopyard Rd
Pleasanton, CA 94588 USA - (800) 358-8228
- Visit Site
- Email Support
Other Services by Patelco Credit Union
Availability
Feature Breakdown
| Minimum Opening Deposit | Starting at $10 |
| Minimum Balance to Avoid Monthly Fee | Starting at $500 |
| Minimum Direct Deposit to Avoid Monthly Fee | $100 |
| Minimum Balance to Earn APY | $0 |
Patelco Credit Union Interest Checking Community Reviews
Would you recommend Patelco Credit Union Interest Checking to your friends?
Other Checking Accounts
- America First Credit Union Classic Checking
- Arvest Club Checking Account
- Avant Banking
- BBVA Convenience Checking
- CNB Good Life + Perks Checking
- Chase First Banking
- Copper - Banking Built for Teens
- Exchange Bank Exchange Solutions
- First Tech FCU Dividend Rewards Checking
- Nationwide Advantage Checking
- Sable Bank Account
- Sea Air FCU Flexible Rewards Checking
