Explore our checking solutions tailored for your unique needs. Patelco Credit UnionP.O. Enjoy superior, worldwide rewards and benefits. *These are summary descriptions only. No-cost personal information protection with your Mastercard debit or credit card. You dont have to worry when you use your Mastercard card because its covered by Zero Liability protection, whether you pay in-store, online, or over the phone. PO Box 2227 Check out special courses just for youth, including Banzai Junior and Banzai Teen. Two of Patelco's cards thePayback Rewards World Mastercard Credit Card andPassage Rewards World Elite MastercardCredit Card do have a fee, and it helps us provide the cards' amazing benefits and rewards, up to 2% cash back and 3x points, respectively. Think about miles per hour if youre traveling 40 miles per hour, you will travel 40 miles in an hour. If you do pay your card off in full each month, you wont be charged for interest. This may take a bit longer, but it will protect you from being part of a data breach. (We discourage you from using email as a 2FA method because it's more easily compromised by fraudsters.)

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Want to establish or rebuild credit. Get access to interactive tools and complimentary counseling. Text us via Android Talk to us directly from your Android device using Android Messages. Select a topic below to learn how you can protect yourself. endstream endobj 585 0 obj <>/Metadata 37 0 R/OpenAction 586 0 R/Pages 582 0 R/StructTreeRoot 61 0 R/Type/Catalog/ViewerPreferences<>>> endobj 586 0 obj <> endobj 587 0 obj <. PO Box 2227 Accrue points with your purchases. Check out the benefits of individual cards to see if any fees apply. We can only expedite debit cards. Its more difficult to overspend with a debit card. If you are planning to travel out of state or abroad, please, Passage Rewards Program Terms & Conditions, Payback Rewards Program Terms & Conditions, Make sure your contact information is up to date on, Your name, Member Number, and the last 4 digits of your card that has the charge in question. Manage your money securely from virtually anywhere. PO Box 2227 Add your Patelco credit and debit cards to the digital wallet of your choice: Apple Pay, Google Pay or Samsung Pay. Then select the dispute option next to the relevant transaction. Select the accounts you'd like to compare. There are three main types of fees for credit cards: transaction fees, late fees, and annual fees. Daily Balances below $5,000 earn the rate paid on Patelco's Interest Checking Account. Say goodbye to fees and overdrawn accounts, Flexibility to pay your bills online quickly and securely, No-cost personal information protection with your Mastercard debit or credit card, Additional assurance when you pay with your Mastercard card, Patelco Credit Union Yes, you can continue to use your card for transactions just like you do today. Items may not be paid against insufficient funds if you have been repeatedly overdrawn in the past six (6) months, if your checking account does not receive regular deposits, if you are in default on obligations to Patelco, or if you have had your Patelco checking account for fewer than thirty (30) days. Variable APR as of 7/16/2022. If you believe there has been unauthorized use on your account and you meet the conditions above, rest easy knowing youre protected by Zero Liability. In just a few simple steps, you can make an appointment to speak with a Patelco branch team member on a day and time that works best for you. It's a great way to avoid overdrawn accounts, overdraft charges and late fees. Inform us if your contact information changes sowe can contact youin case of a suspicious transaction. As a Mastercard cardholder, you will not be held responsible for unauthorized transactions if: (1) you have used reasonable care in protecting your card from loss or theft; and (2) you have promptly reported to your financial institution when you knew that your Mastercard was lost or stolen. We'll text you if we see a suspicious transaction on your card. Get access to interactive tools and complimentary counseling. Patelco applies a 1% foreign conversion fee for card purchases and a $1.75 ATM fee for foreign ATM withdrawals. Never share your code with anyone Patelco will never call or text to ask for it. hb``` cc`a0SQ@U {h'A*f~cp=*uCZAk=)*y2tR'fifmq{dkS-p- Wtk2[4 ,0wt@ FDD)j,g`]%X!&0eb0` AFCBF\}%lMl[jTNRbm`p`aRd 2uKxX3yx i6CSmr fo ed

APY = Annual Percentage Yield. Protect your PIN never carry it with you or tell it to anyone else. Whether you need a debit card or a credit card, Patelco has options and we're always ready to talk to you if you need help deciding whether to use a credit card or which credit card to apply for. If you're having difficulty with a transaction where a onetime passcode is requested, contact us directly at 800.358.8228for help. See how much you can save on your credit card or auto loan. The minimum payment for Patelco's credit cards is 2% of the total balance or $24, whichever is greater. Patelco Online keeps it simple and secure and is available 24/7. Additional protection should someone make unauthorized purchases with your card. Alternately, log in to online banking via a desktop computer, and hover over, Using Quicken's Express Web Connect for Windows (PDF), A personal dashboard with up-to-the-minute balances, and upcoming payments and transfers, Customizable alerts to help you stay on top of your finances, The ability to make transfers between accounts, or send money fast to people you know with, Budgeting tools to manage your money effectively, Make sure you have 2 methods enabled: SMS (text message) and voice call select the pencil icon to edit any of the methods, You'll see a confirmation at the top of the screen, and will also get an email confirming that you've turned on Two-Factor Authentication, Open or download your preferred authenticator app (DUO Authenticator, Authy, or Google Authenticator) and follow the app instructions to set up an account, then select, Scan the QR code from Step 8 and save the account in the authenticator app. To set up or modify Courtesy Pay, hover over Transfer & Pay from the main menu of online banking, and then tap or click on Courtesy Pay. Even though your APR is a percentage expressed in terms of a year, it is also used to calculate charges for a single month. Enjoy the perfect accommodation from a unique collection of exceptional hotels and resorts with a room upgrade**, late checkout**, complimentary breakfast for 2 daily**, exclusive amenities**, and more. Tip: Have your credit card account number and the payment address handy. If you do see one, rest assured that this extra authentication step is just a sign that our security measures are working to keep your accounts safe. Connect with us at our virtual branch, log in to online banking, or use the mobile app to manage your accounts. Connect with us at our virtual branch, log in to online banking, or use the mobile app to manage your accounts. 3 Park Place Personalizing your account names in online banking makes it easier to manage your money at a glance.

Please refer to yourPatelco Member Handbookfor program details. Patelco credit cards come with extra free services. Plus, there are no additional charges to request a transfer and the process is easy. (If the overdraft brings your account negative by $25 or less, we may also waive the fee.). (Heres how to update your Android settings to enable this.). Here, you will find the latest updates on your claim, including what additional information may be required from you and when we anticipate your dispute will be resolved. Then, add the card back to the payment app as if you were doing it for the first time. Patelco Credit Union The digital code associated with your card will be deleted and a new one will be assigned. Having an established credit history and a good credit score can help you get a better loan later for buying a car or a house. See how much you can save on your credit card or auto loan. Making paying a breeze, from your mobile device. Merced, CA 95344. using your card) each monthly statement period. We calculate your monthly charges based on your balance and your annual percentage rate (APR). The easiest and fastest way to submit a fraud claim or dispute is in Patelco Onlineor the Patelco Mobile App. (To submit a fraud claim, log in Patelco Online or our Mobile App. Enjoy low rates, $0 balance transfer fees and great rewards.Get pre qualified and find out your credit limit in minutes without harming your credit. 1. See how much you can save on your credit card or auto loan. Devices vary, but typically you just need to hold the phone up to the contactless pay device. Some Digital Wallets even enable you to store loyalty program information and access rewards and discounts. If you filed your claim via Patelco Online, then log in and hover over Card Services in the main menu, then select Card Claim Status. Or you can enter the code displayed in the authenticator app under the, Choose the type of alert youd like to receive. You may also want to do the math and see if paying an annual fee actually benefits you because of the additional rewards that come with an annual fee card. If you open your account in a Patelco branch, we can instantly issue your card. 2. Connect with us at our virtual branch, log in to online banking, or use the mobile app to manage your accounts. Benefit from some of the best savings rates in the nation. If you open your account in a Patelco branch, we can instantly issue your card. A dispute is when you recognize the charge, but the amount, product, or service is not what was agreed upon when you paid. Learn more. With a quick and simple tap of your phone, you can use your Patelco Mastercard credit or debit card to pay at over one million U.S. merchant locations that accept mobile payments. Simply contact Patelco at 800.358.8228 explain which method you used to pay (digital or traditional), and well help you figure what your next steps are. (This is an additional service, different from the account and transaction alerts you can sign up for in Patelco Online.). PO Box 2227 Our debit cards come with excellent purchase protection, just like our credit cards. Benefit from some of the best savings rates in the nation. PO Box 2227 2,500 points (or more) are required for all redemptions. Merced, CA 95344, such as financial apps' usernames and passwords. *As published in a 2021 guide to 2FA by ZDNet. See what were up to in the community and learn how you can help. Whether its viewing your balance, depositing a check, or paying a bill, with Patelco Online and our Patelco Mobile App you can easily manage your accounts on your time. The convenient and secure way to pay in person or online. You may use your Patelco card at any ATM's internationally that have the same logos (Star, Plus, etc.) Simply visit mastercardus.idprotectiononline.com or call 800.MASTERCARD. At Patelco, our cards do have fees for taking a cash advance or making a foreign purchase. Preferred authentication apps such as DUO Authenticator, Authy, or Google Authenticator help protect your account by adding another layer of security. You can: See your current rewards options inPatelco Online. Patelco Credit Union 800.358.8228 option 3 (fraud, lost/stolen cards, card unblocking, transaction inquiries) a public wifi network at a coffee shop where the password is posted on the wall for everyone to see may be just as vulnerable to criminals as a wifi network without a password. As a Mastercard cardholder, youre not responsible in the event that someone makes unauthorized purchases with your card. Patelco Credit Union Benefit from some of the best savings rates in the nation. Check out these tips, which you can also print or download. If you have questions regarding Zero Liability coverage or you suspect unauthorized use of your card, contact your financial institution IMMEDIATELY. For maximum protection, you can also set 2FA to be "always on" so you'll be asked for a code via text (SMS), a 2FA authenticator app or phone call every single time you log in to Patelco Onlineand our Mobile App. Identity protection. PO Box 2227 If you pay off your card in full every month, you wont be charged interest. But you can still travel 40 miles per hour even if you only drive for thirty minutes. The interest rate on your credit card, also known as the Annual Percentage Rate (APR), is used to calculate charges for borrowing money (i.e. Heres how to nickname your accounts in online banking: The next time you view your account online, the nickname will appear. With our top rated Mobile App you can easily manage your account on the go.Download For iPhoneDownload For Android. See how much you can save on your credit card or auto loan. Email, push notifications (available if you have the Mobile App) or text alerts (read below on how set up your mobile number for text message alerts if this option does not appear), Tap on the alert you want to set up by turning it on, and select, If your mobile number is not confirmed, youll see a message to confirm it, Make sure that the box is checked next to "I would like to receive SMS text messages to this number" (to confirm your number, select, Follow the on-screen instructions, and then enter your code, You'll receive a second code enter that code in the box, Then from the drop-down menu, tap or click on, Towards the righthand side of the page at the top, youll see the name of the account with a small pencil icon next to it, If you want, you can also change the color thats displayed next to the account, Confirm your name and provide your email address, Choose which statements to receive electronically (you can select all of them even if you don't have that type of account), Once you see the confirmation screen, you're done. General questions +1.925.468.6300 Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. (When you log in, hover over Card Services in the main menu, then tap or click on Rewards.). 584 0 obj <> endobj You can quickly update your information inPatelco Online. Please refer to your cards Guide to Benefits for specific information. Points can be converted to cash at any time at a value of $.01 per point. How to turn on 2FA for SMS or voice call using a desktop computer. This is lower than the fee charged by many banks. You can choose to receive that code via phone call, a 2FA preferred authenticator app (DUO Authenticator, Authy, or Google Authenticator) or by text (SMS). ), Choose whether you prefer eStatements or Paper for each type of account, Have our Mobile App on your iPhone or Android device, or be logged in to online banking, To use Anywhere Deposit, select the check deposit icon inside our Mobile App. The same practices keep all three of your cards safe ATM, credit, and debit so rememberTRIPLE, which stands forTreat, Report, Inform, Protect, Look,andEnter. 612 0 obj <>/Filter/FlateDecode/ID[<245A54864E2CA9408B57F50E526CF76E>]/Index[584 46]/Info 583 0 R/Length 128/Prev 431218/Root 585 0 R/Size 630/Type/XRef/W[1 3 1]>>stream CSID is a registered trademark of CSIdentity Corporation. A primary advantage of credit cards is that they allow you to make larger purchases that you may not have the cash for right now such as an appliance or an unexpected car repair. Coverage is provided by New Hampshire Insurance Company, an AIG company. To use Anywhere Deposit, select the check deposit icon inside our Mobile App. No, the way you choose to pay is up to you. Golf Privileges If you dont pay your card off in full each month, you will be charged for interest. This means that you may be asked for a code when you log in, in addition to your User ID and password. Yes. Talk via live online chat Available on desktop and mobile devices. If you then submit a credit card application, we will request your full credit report (also known as a hard credit pull) from one or more credit reporting agencies, and this can affect your credit score. Use Zelle in the Patelco App to send money to family and friends at no cost. Send Individual Retirement Account and new Health Savings Account forms to: Cash back accumulates as points valued at 2 points for every $1 purchased. Merced, CA 95344, Choose the trusted app that is compatible with your phone, Depending on your device, the app may already be installed or you may have to download it, Open the app and enter your Patelco debit or credit card information and follow the installation instructions on your screen. Get access to interactive tools and complimentary counseling. Many banks charge transaction fees for things like going over your limit or making balance transfers. From scouring the internet to see if your personal info is being sold to helping you clear your name with credit rating agencies, we are there for you 24/7. Benefit from some of the best savings rates in the nation. When youre shopping just look for the contactless symbol or other wallet app icons at check out. To view statements online, log in toPatelco Online, hover over Accounts in the main menu, and then select Statements & Documents. Check out your overdraft protection options inPatelco Online. Here's some ways you can protect yourself: turn off your Bluetooth connections when possible, use your own data plan when traveling or out running errands. New accounts 800.358.8228 x1212 (8:30am 5pm weekdays) PO Box 2227 When credit cards have an annual fee, that's usually because the card has excellent perks and rewards.

The right checking account helps build your finances on a strong foundation. You can view up to 6 years of statement history. *, We have the right card to fit your lifestyle, Make purchases the way you want, without the fees others often charge. Ourfee schedulelists all the fees for our cards. The interest rate you are charged is also affected by the interest rates in the economy. Once your mobile number is confirmed, you can opt in to text message Alerts about your accounts. Another advantage of credit cards is that they are an easy way to build your credit history and (when used properly) increase your credit score. Some cards even offer double points on certain purchases. When you pay using digital payments, your card info is not stored or transferred to the merchant so your card data is protected. With our online banking platform Patelco Online you can send and receive messages securely. Patelco Credit Union If youre filing a claim in Patelco Online, you will need to provide a description of the problem what is wrong and why you believe it is wrong. Routinely make school & grocery purchases, Best choice if you: Select a logo below to download our Mobile App: 1 You must restore any amount by which your account is overdrawn immediately upon our demand. But just because there's a password doesn't necessarily make it totally secure a public wifi network at a coffee shop where the password is posted on the wall for everyone to see may be just as vulnerable to criminals as a wifi network without a password. We may also call or email you about suspicious transactions. ), Debit/credit cards: Existing home loans 800.358.8228 x1203 (8am 5pm weekdays) Another advantage of a debit card is that it usually comes with no fees and an easy application. You can designate up to 8 backup accounts, and add or remove them easily. The interest rate will vary from card to card and person to person, depending on things like your credit history and credit score. If you received a pre-approval letter or email from us, get your unique offer code and accept in minutes. All of Patelcos checking accounts come with a no-fee debit card. The Rewards catalog changes periodically with new offers and seasonal promotions so check back often! Getting started with eStatements (for new members), To view statements online, log in toPatelco Online, hover over Accounts in the main menu, and then select Statements & Documents. We'll email you each month to let you know when your statement is ready to view. On credit cards, the interest rate and APR are the same thing. Were committed to your financial wellness which includes the safety of your money and information. Want another way to protect your account from being overdrawn? If you are planning to travel out of state or abroad, please send us a secure message in Patelco Onlineor call 800.358.8228 prior to your trip to authenticate your card(s) for use in the states and/or countries in which you will be traveling. The only times you'll be asked for a 2FA code is by online banking or our Mobile App, never by a person. Points Rewards Program Terms & Conditions, Progress Rewards Program Terms & Conditions, Best choice if you: The convenient and secure way to make purchases using your mobile device. Review your statements regularly and look for any unknown card transactions. Select your name (or the down arrow) in the upper right, then select Settings, and then choose the Notifications tab. Cash back points redemption available for deposit into a Patelco checking or savings account or as a statement credit back to your Patelco credit card account. Unlimited points that never expire and flexibility to spend rewards your way. For example, if you have two savings accounts with Patelco and one is for your childrens college tuition, you may want to rename that account College Fund. This will help you quickly locate the account in the future and encourage you to save as part of your own personal budget. Patelco Credit Union Fees are different from interest, which is charged when you don't pay off your card in full each month. Mastercard ID Theft Protection, Mastercard ID Theft Alerts, and Priceless Cities are trademarks of Mastercard International Incorporated.

Mastercard Global ServiceProvides 24 hours a day, 7 days a week member service assistance with Lost and Stolen Card Reporting, and Emergency Cash Advances, as well as assistance with locating ATMs. Cruise Program* The only times you'll be asked for a 2FA code is by online banking or our Mobile App, never by a person. Patelco Credit Union See what were up to in the community and learn how you can help. Our representatives can answer account-related questions as well as general questions about Patelco products and services. Get insider access to one-of-a-kind experiences and offers in some of the world's most exciting cities. Access to private clubs, savings on public courses and resorts, preferred pricing, exclusive programs and preferred booking opportunities on TOURAcademy programs nationwide. See how much you can save on your credit card or auto loan. If youre filing a claim by phone, at a branch or by mail, you will also need to include: We will review the claim and inform you of our decision and or next steps within 1-2 business days. We can only expedite debit cards. Merced, CA 95344 You dont need a high credit score to qualify for a debit card. Were available for live online chat 8am 5pm weekdays. Alternately, log in to online banking via a desktop computer, and hover over Transfer & Pay in the main menu. Financial Advisors 800.358.8228 Were working with you to keep your account and identity safe. %PDF-1.6 % %%EOF The recent nationwide surge in fraud includes criminals using public wifi in coffee shops, airports, hotels, and similar venues to steal information, which is then used to commit financial crimes.

Here's how it works: A passcode request will pop up during certain online transactions when our system detects the need for additional security. If you have a question about your Patelco Rewards, or you want to redeem your Patelco Rewards over the phone, you can call us at. Want to get alerted when your balance is low or when a transaction clears? A fraud claim is for when you dont recognize a charge to your account. Then select the dispute option next to the relevant transaction. Benefit from some of the best savings rates in the nation. As a member with a Mastercard World or World Elite credit card, you will receive free 2 day shipping and free return shipping at over 140 different stores when you enroll atshoprunner.com/mastercard. Then, you can pay for thing simply by using your phone, No, there are no fees for making transactions using digital wallets. Wifi networks with passwords required to access them might provide additional security, such as a network at a friend's home or one set up specifically for contractors to use at a work site. See what were up to in the community and learn how you can help. Merced, CA 95344, Integration with Quicken and Mint, plus available CSV exports (compatible with Excel). Well update you as your transfer is being processed and will send a check directly to your creditor to complete the transfer. See how much you can save on your credit card or auto loan. An everyday account that pays steady interest. endstream endobj startxref Merced, CA 95344. If you need a statement older than 6 years, send us a secure message using the Message Center, found under Tools & Settings in the main menu. Want the lowest possible rate, Best choice if you: Another alternative is using a payment system like Apple PayorGoogle Pay, which protect you because your card number isnt given to the merchant. Additional terms, conditions and exclusions apply. Reduce the risk of card fraud by letting us know when you travel. Always! With nicknames, you can stay on top of your spending and saving better, and clearly identify the purpose of each account. Here's how it works: we'll transfer money from your chosen backup account(s) to your checking account if there isn't enough money to cover a check, debit card purchase, or electronic transaction. Were here to help you feel safe and informed. For certain transactions, onetime passcodes sent to your mobile phone will help us make sure your transactions belong to you. Your phone will prompt you to unlock your phone with either a password or a fingerprint.

If you receive a request, check your mobile phone for a text containing the passcode, then enter it where prompted online. If you require an expedited card, please call us at. 24/7 card assistance or activation +1.909.941.1034, We acceptpayments and forms at our secure PO Boxes. Benefit from some of the best savings rates in the nation. Connect with us at our virtual branch, log in to online banking, or use the mobile app to manage your accounts. As an extra layer of protection for online banking and our Mobile App, we may require two-factor authentication (2FA) for some logins. (You can go back and turn it off later if you want.). Just look for the contactless symbol at the payment terminal, then tap your mobile device to use your Patelco Mastercard for an in-store purchase.

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