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.
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.
你可以在这里找到3万多台免费atm机中的一台 drum-equip.com/locations 或者在你的 手机应用程序.
You will receive your debit 卡 in the mail typically within 5 business days after you’ve opened your account.
我们建议您第一次订购支票 直接与Patelco团队合作 出于安全考虑. Reorders can be made through Patelco Online™ or our 手机应用程序.
Start saving more when you open a 货币市场+ account at the same time as a 免费检查 account, 并获得3的未偿利率.存款的年利率为100%4.
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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.
欲了解更多详情，请阅读我们的 货币市场加上帐户概述.
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.
