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  Patelco Credit Union Checking Account

Patelco Credit Union Checking Account

in Checking Accounts from Patelco Credit Union

Unaffiliated

Patelco Credit Union Checking Account

Unaffiliated

in Checking Accounts from Patelco Credit Union

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Highlights
Highlights
Community Rating Mostly recommended
Monthly Fee $0 - $10
Minimum Balance to Avoid Monthly Fee N/A
ATM Fee: Out-of-Network $1.75
APY 0.05% - 0.1%

Patelco Credit Union Checking Account Review

Patelco Credit Union Checking Account is offered by Patelco Credit Union, a credit union founded in 1936 and based in Pleasanton, CA. Patelco Credit Union Checking Account is offered in 1 state across the USA.

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 offer?

Patelco Credit Union Checking Account offers an APY starting at 0.05% and ranging up to 0.1% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $5000.

Patelco Credit Union Checking Account Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) 0.05% - 0.1%

What are the account minimums for Patelco Credit Union Checking Account?

Patelco Credit Union Checking Account requires a minimum initial deposit of $1 to open an account.

Patelco Credit Union Checking Account Account Minimums
Description Amount
Minimum Initial Deposit $1
APY Minimum Balance $5,000

What fees does Patelco Credit Union Checking Account charge?

The good news is that this account does not charge a monthly maintenance fee.

Patelco Credit Union Checking Account Fees
Description
Monthly Fee --> $0 - $10
Paper Statement Fee --> $0
ATM Fee: In-Network --> $0
ATM Fee: Out-of-Network --> $1.75
NSF Fee --> $28
Overdraft Protection Fee (per transfer) --> $28
Overdraft Item Fee --> $28
Early Account Closure --> $20
Returned Deposit Fee (Domestic) --> $20
Debit Card Replacement Fee --> $0
Bank Teller Fee --> N/A
Check Cashing Fee --> N/A
Online Bill Pay Fee --> $0
Stop Payment Fee --> $15
Check Image Service --> N/A
Check Copy --> N/A
Foreign Transaction Fee (Debit Card) --> 1%
Wire Transfer Fee - Domestic (Outgoing) --> $20
Wire Transfer Fee - International (Outgoing) --> $0
Wire Transfer Fee - International (Incoming) --> $15
Returned Deposit Fee (International) --> $20
Wire Transfer Fee - Domestic (Incoming) --> $10

What features and perks does Patelco Credit Union Checking Account offer?

This account includes the following features:

  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Patelco Credit Union Checking Account 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.
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Other Services by Patelco Credit Union

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 1 state
California
Availabile in all of California

Feature Breakdown

APY Minimum Balance $5,000
Minimum Initial Deposit $1
Paper Statement Fee $0
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Online Bill Pay Fee $0
Wire Transfer Fee - International (Outgoing) $0
Monthly Fee $0 - $10
ATM Fee: Out-of-Network $1.75
NSF Fee $28
Overdraft Protection Fee (per transfer) $28
Overdraft Item Fee $28
Early Account Closure $20
Returned Deposit Fee (Domestic) $20
Stop Payment Fee $15
Foreign Transaction Fee (Debit Card) 1%
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $15
Returned Deposit Fee (International) $20
Wire Transfer Fee - Domestic (Incoming) $10
Bank Account Features
  • Bauer Financial A+/A Rating
  • Debit Card
  • Fraud Protection
  • Free Bill Pay
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • NCUA Member
  • No ATM Fees
  • No Monthly Maintenance Fee
APY 0.05% - 0.1%

Patelco Credit Union Checking Account Community Reviews

 
 

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