The Patelco 免费检查 account is a no frills, no strings attached, truly free checking account.
You can save more with no monthly fees, no monthly maintenance fees or minimum balance requirements. If only everything in life was as straightforward as the Patelco free checking account.
+, payday can come even sooner when you set up direct deposit for your account. Get paid up to two days early —without an additional fee.
It takes minutes to open a Patelco 免费检查 account. 加入帕特尔科, you’ll need a Social Security number (or acceptable government-issued document showing your Tax Identification Number), 驾驶执照或政府身份证明, 还有你现在的家庭住址.
Set up Direct Deposit and access your funds up to 2 days early
Pay with confidence with 数字钱包 and Zero Liability Protection
Patelco is a member owned, not-for-profit financial cooperative. When you open an account at Patelco, you become a member and a shareholder. That’s why we’ll deposit one share ($1) in your Share 储蓄 account when you join.
Our mission is to help members achieve lifelong financial well-being so you can live happier, fuller生活. Unlike the big banks or other for-profit financial institutions, we invest our profits back in our members with better rates and low- to no fees.
We also offer free financial coaching to anyone who wants to improve their financial situation. 成员们告诉我们，他们感到被看到了, 听到, 通知, and supported to make more confident financial choices.
会员资格免费. You become a member when you open an account with us. 看看 所有会员的福利.
是的! We don’t charge a monthly fee or require a minimum balance to waive the monthly fee.
Members who set up direct deposits into their Patelco checking, 储蓄, or money market accounts can get paid up to 2 days early1 -这样你就可以更快地访问你的资金.
You will receive your debit 卡 in the mail typically within 5 business days after you’ve opened your account.
Spending money wisely starts with distinguishing between needs and wants, 平衡最明智的消费方式. 学习预算和聪明的资金管理.
Read this article to find out how to form good spending habits so you can stay on budget and reach your financial goals.
Are you considering using automatic bill payments? Find out the benefits and disadvantages of automating your bills to decide what is best for your finances.
1 Early access to direct deposit funds depends on the timing of the receipt of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
2 你必须在 即时备份 on your checking account to receive overdraft coverage up to $500. You’ll pay interest only on the amount you borrowed for the amount of time it’s outstanding. 向我们的帕特尔科团队寻求帮助 点击这里了解更多. No overdraft fees applies to checking accounts opened after 04/05/23.
3 Source: over 22,000 five-star reviews on the App Store.
4 APY=年收益率百分比. Variable rates are valid as of 05/03/2023 and are subject to change after account opening without notice. A Patelco checking account (opened under the same Member Number) with a total monthly deposit of $500 or more is required to receive the higher interest rate (dividend rate). If the 货币市场+ account does not meet the requirement 3 calendar months after the account is opened, 较低的利率是0.05% APY will be applied to the account until the requirements are met. Qualifying deposit transactions include: Payroll direct deposits, Social Security (or other government benefit) direct deposits, 乙酰胆碱转移, Zelle, Venmo, PayPal或其他类似的存款, 现金存款, check deposits (except checks written from another Patelco account), 电汇, multiple deposits (of the types listed above) that add up to at least $500 in a calendar month. Qualifying deposit transactions do not include Patelco account-to-Patelco account transfers.
Master卡 and Master卡 Global Service are registered trademarks, 圆圈的设计是一个商标, 万事达卡国际有限公司.
Zelle and the Zelle-related marks are wholly owned by Early Warning Services, 并经许可在此使用.