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. 提前两天领工资1 -不收取额外费用.
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
Cover unexpected shortage of funds in your account for up to $500 with 即时备份. 无需信用检查
汽车matically grow your 储蓄 with every purchase you make
Purchase gift 卡s and get 2%-20% bonus value with Patelco Prizeout
在我们最受欢迎的移动应用程序上找到您附近的一个3
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 jieyangw.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. 重新订购可通过Patelco Online™或我们的 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, 并获得高达4%的未偿利率.50%的年4 关于你的储蓄.
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Read this article to find out how to form good spending habits so you can stay on budget and reach your financial goals.
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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 04/05/2023.
3 Source: over 22,000 five-star reviews on the App Store.
4 APY=年收益率百分比. 利率 are effective as of 12/01/2023 and are subject to change before or after account opening without notice. 费率因等级而异,并适用于全部余额.
The following variable interest rates will apply to your account balance: 4.25万美元余额50%的年利率.00或更大,4.余额在10万美元之间,年利率为00%.00美元和249999美元.99, 3.存款余额在5万美元之间,年利率为51%.00美元和99999美元.99, 3.余额的年利率为00%,最高可达49,999美元.99.
In order to attain higher interest rates the account must meet the eligibility requirements, that is a Patelco checking account (opened under the same Member Number) with a total monthly deposit of $500 or more. If the account fails to meet eligibility, the lower interest rate of 0.05%将在当月拖欠. 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, chargebacks or promotional incentive payments from Patelco.
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.