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  Patelco Credit Union Interest Checking
Patelco Credit Union Interest Checking
in Checking Accounts from Patelco Credit Union · Insured by NCUA
Unaffiliated

Patelco Credit Union Interest Checking

Unaffiliated
in Checking Accounts from Patelco Credit Union · Insured by NCUA
Net Recommendation Score 0  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

0 users recommend
1 user is unsure
0 users don't recommend
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Highlights
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
  • Dividend-yielding account
  • Insured by NCUA.
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge (if minimums are not met).
  • Charges a higher than average fee on out-of-network ATM transactions.

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?

Patelco Credit Union Interest Checking Rates & Terms
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.

Patelco Credit Union Interest Checking Minimums
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.

Patelco Credit Union Interest Checking Fees
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.

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Message From Patelco Credit Union

The right checking account helps build your finances on a strong foundation. Explore our checking solutions tailored for your unique needs. Interest Checking, An everyday account that pays steady interest.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 10:00am - 4:00pm
  • Tuesday 10:00am - 4:00pm
  • Wednesday 10:00am - 4:00pm
  • Thursday 10:00am - 4:00pm
  • Friday 10:00am - 4:00pm
  • Saturday 10:00am - 2:00pm

Other Services by Patelco Credit Union

Availability

  Available in 1 state
California
Availabile in all of California

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
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
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • IRAs
  • Debit Card
  • Bauer Financial A+/A Rating
  • Insured by NCUA
  • Branch Access
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.05%

Patelco Credit Union Interest Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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