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
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| 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%, and you must keep a minimum balance of $5000.
- 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.
- 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.
| Pros | Cons |
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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). However, to earn interest you must keep a minimum balance of $5000.
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 Initial Deposit | $10 |
| APY Minimum Balance | $5,000 |
| 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 | |
|---|---|
| Monthly Fee | $0 - $5 |
| 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 |
| ATM Reimbursement Monthly Limit | N/A |
What features and perks does Patelco Credit Union Interest Checking 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 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
-
5050 Hopyard Rd
Pleasanton, CA 94588 - (800) 358-8228
- Visit Site
Other Services by Patelco Credit Union
Availability
Feature Breakdown
| APY Minimum Balance | $5,000 |
| Minimum Direct Deposit to Avoid Monthly Fee | $100 |
| Minimum Initial Deposit | $10 |
| Minimum Balance to Avoid Monthly Fee | $500 |
Patelco Credit Union Interest Checking Community Reviews
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