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Plus Checking

Premium benefits that protect your financial health

Bundled Protection

For you and your family

Monthly Fee

$6.95

Peace of mind with protection and benefits that matter

For the member who wants to build their financial health, establish strong savings habits, and protect their money — Plus Checking fits right into your life. 这种独一无二的封装与行业领先的供应商EZShield合作® 为您提供我们日常支票账户的所有好处，以及更多. If you’ve ever been concerned about identity theft, damaged your cell phone, or got stuck with a flat tire, Patelco Plus支票账户提供保护，旨在让您放心，保障您的财务健康.

除了传统帕特尔科支票账户的所有好处之外, for a low monthly fee of $6.95, you’ll get the additional benefits:

  • Award-winning EZShield® Identity Theft Protection for you and your family1
  • Cell phone protection against theft or damage1
  • Automatic Round-Up savings transfers and 10% match from Patelco1
  • Use any ATM worldwide and get two ATM fee rebates per month2
  • 免费信用监控，季度信用评分，季度信用报告3
  • Exclusive local & 全国餐饮、购物、娱乐、健康和旅游折扣
  • 24/7 Roadside Assistance

Product Benefits

Get Paid Early with Direct Deposit4

Set up Direct Deposit and access your funds up to 2 days early

Debit Mastercard® Card

用数字钱包和零责任保护放心支付

Top-rated Mobile App

Access your accounts on the go

30,000+ Fee-free ATMs

Find one near you on our Mobile App

Send Money with Ease

Choose from Zelle®, Bill Pay, wire transfers and more

Set Up Alerts

自动提醒，如直接存款或低余额，以保持你的财务状况

Frequently Asked Questions

  • Patelco is a member owned, not-for-profit financial cooperative. When you join Patelco, you become a member and a shareholder. 这就是为什么当你加入时，我们会在你的股票储蓄账户中存入一股(1美元).
     
    我们的使命是帮助会员实现终身财务健康，让您生活得更快乐, fuller lives.
     
    Unlike the big banks or other for-profit financial institutions, 我们将我们的利润以太阳集团官网和低到没有费用的方式投资给我们的会员.
     
    我们还为任何想要改善财务状况的人提供免费的财务建议. Members have told us that they feel seen, heard, informed, and supported to make more confident financial choices.
     
    Membership is free. You become a member when you open an account with us. Learn more about all the benefits of membership.

    Plus支票账户充满了巨大的价值，所以你不必为其他地方的保护支付更多的费用. 相比之下，手机保险通常每月花费7-10美元. Identity Guard Family costs $12.50 – $34.99 per month. Roadside assistance costs $50-$156 a year.
     
    You get all these benefits and more for a low monthly fee of $6.95.

    Enroll at the Patelco Plus Benefits website 使用您的电子邮件地址和临时密码后，通过电子邮件发送给您开户. Or download the Patelco Plus Benefits App5 for iOS or Android.
     
    您可以在网站或Patelco Plus benefits App上获得Plus Checking帐户带来的所有福利.

    所有Plus支票账户持有人和家庭成员都可以利用这项服务. For example, if you have a college student living away from home, this benefit can help provide extra peace of mind. Call 855.822.或使用Patelco Plus应用程序，点击“道路援助”.
     
    We’ll cover up to $80 per incident, 4 times each 12 months — for towing, flat tire, battery, and more.

    这是一个简单的方法，你可以在每次购买借记卡时自动把钱存入你的储蓄账户. 每一笔借记卡消费都会被四舍五入到最接近的美元，四舍五入后的金额会自动从你的支票账户转到你的储蓄账户.
     
    我们会按累进金额的10%存入您的储蓄账户，每年最高可达500美元. Connect with us to set up this benefit.

    You must pay your cell phone bill from your Plus Checking account. Make sure to set up automatic monthly payments with your provider, or log in to Online Banking to use Bill Pay. It’s that simple!
     
    我们最多承保3部手机，每次索赔最高400美元(最高800美元，或每年索赔2次). Only broken or stolen phones are covered.)

    As part of your Plus Checking benefits, you’ll receive free credit monitoring across all 3 bureaus, including free quarterly credit report. 如果你的信用档案有任何变化，你也会收到警报.

    Use the Online ID vault for sensitive information, documents, and passwords you want monitored and protected.
     
    After you open your account, 我们会告诉你如何进入在线ID库并设置你的账户.
     
    Receive coverage for you and your family with up to $10,每年000美元的盗窃保险，以帮助支付因盗窃而产生的费用.g. lawyer’s fees, 完全管理ID恢复Pro，供整个家庭发现, isolate and prevent future fraud. Monitoring of public records, the internet and dark web, payday loans, and other places your information doesn’t belong.

    您可以使用世界各地的任何一台ATM机，并在当天结束时收到ATM机费用的自动报销, for up to two reimbursements per month.

    You can enjoy local and national discounts on dining, entertainment, travel, 健康和购物在成千上万的商家和商店你喜欢像塔吉特和沃尔格林. 通过BaZing提供的Patelco Plus Benefits应用程序获得折扣. 你甚至可以打开提醒，接收附近的折扣通知.

Pay with Ease and Confidence

您的Patelco支票账户附带免费借记卡万事达卡®，让您轻松安全地购物:

  • Secure, contactless purchases with Debit Mastercard
  • Load your card to Apple Pay®, Google Pay®, or Samsung Pay®
  • Zero Liability and Extended Warranty on purchases
  • Mastercard Global Service™ emergency card replacement
  • 透支链接到信用额度或Patelco账户，不支付任何费用

See Why Patelco Members Love Us

Meet Patelco members as they share their Patelco love story.

一名男子正在观看帕特尔科成员解释他们为什么喜欢这个信用合作社的视频.

    My name is Jerry. I’ve been a Patelco member for 15 years. They gave me the best advice without looking for personal gain.

    My name is Angela. I’m currently refinancing my car with Patelco. I’m also using their checking and savings.

    My name is Aki. 如果我在22年的时间里思考这个问题，我可能已经节省了数千美元的费用.

    My name is Elmer. Patelco is part of my financial strategy. It’s just easy.

Continued Reading

October 9, 2019

What is a Budget and How to Make One?

Wonder where your money goes? Learn what a budget is, 如何制定预算并获得预算建议，让你走上实现财务目标的轨道.

October 29, 2019

Should I Use Automatic Bill Payments?

Are you considering using automatic bill payments? 找出自动化账单的好处和坏处，以决定什么对你的财务最有利.

September 9, 2020

Forming Good Spending Habits

阅读这篇文章，找出如何养成良好的消费习惯，这样你就可以保持预算，实现你的财务目标.
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1 手机保护受附加条款和条件的约束. Identity, Credit, and Round-Up features all require enrollment. Patelco Plus的参与商家不是该计划的赞助商, are subject to change without notice, may not be available in all regions and may choose to limit deals. Policies and account features subject to change without notice.

2 ATM fee rebates, where offered as part of a checking benefit, 适用于使用万事达卡®借记卡提取现金. 自动柜员机费用回扣不适用于任何费用，除了使用自动柜员机从您的Patelco信用合作社账户提取现金所评估的费用. Patelco Credit Union保留随时修改或终止ATM手续费回扣的权利. See Member Handbook for more details.

3 信用评分不一定与其他征信机构使用的评分相同.

4 能否早日获得直接存款资金取决于付款人提交付款文件的时间. 我们通常在收到付款文件的当天提供这些资金, which may be up to 2 days earlier than the scheduled payment date

5 Patelco Plus移动应用程序(由BaZing提供支持)可在App Store和Google Play Store上使用. Plus Checking的合格帐户持有人可使用开立帐户时提供的有效电子邮件地址和临时密码下载并登录Patelco Plus移动应用程序. Not all versions of Android and iOS are supported.

Mastercard and Mastercard Global Service are registered trademarks, and the circles design is a trademark, of Mastercard International Incorporated.

Zelle及与Zelle相关的商标由预警服务公司全资拥有, LLC and are used herein under license.

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