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  Patelco Credit Union Interest Checking

Patelco Credit Union Interest Checking

in Checking Accounts from Patelco Credit Union · Member ncua

Unaffiliated

Patelco Credit Union Interest Checking

Unaffiliated

in Checking Accounts from Patelco Credit Union · Member NCUSIF

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.

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Highlights
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.

Key Takeaways
  • 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.
Patelco Credit Union Interest Checking Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Deposits are insured by the NCUA (up to $250K).
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Not FDIC-insured.
  • 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 Credit Union 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 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?

Patelco Credit Union Interest Checking Rates & Terms
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.

Patelco Credit Union Interest Checking Account Minimums
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.

Patelco Credit Union Interest Checking Fees
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.
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Contact

  • Headquarters
  •   5050 Hopyard Rd
    Pleasanton, CA 94588
  •   Visit Site

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

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
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Online Bill Pay Fee $0
Paper Statement Fee $0
Early Account Closure $20
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0 - $5
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
ATM Fee: Out-of-Network $1.75
Bank 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
  • NCUA Member
  • Branch Access
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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