Here you can find all the latest Patelco Credit Union promotions, bonuses, and offers.
Update 3/20/25: The referral bonus is back – friends and family can earn up to $200 when they join Patelco and you can earn a $100 bonus per referral up to $500! There’s currently a $400 checking bonus available through 6/30/25.
About Patelco Credit Union Promotions
Pacific Telephone and Telegraph Company was formed in 1936 and is better known today as AT&T. Patelco FCU was formed in conjunction to serve employees of AT&T.
| Eligibility: You are eligible to join Patelco Federal Credit Union if you live, work, worship, or attend school in certain communities. Additionally, you can join if you are an employee of a sponsor of Patelco FCU. For a full list of qualifications see their full list of membership requirements. |
Keep reading to learn more about Patelco Federal Credit Union promotions.
Patelco Credit Union $400 Checking Bonus
- What you’ll get: $400 bonus
- Account Type: Free Checking, Interest Checking, Premier Interest Checking, Youth Checking
- Availability: CA (Bank Locator)
- Direct Deposit Requirement: Yes
- Credit Inquiry: Soft Pull
- Chexsystems: Unknown
- Credit Card Funding: No
- Monthly Fees: No
- Early Account Termination Fee: None
- Household Limit: None
(Expires 06/30/2025)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Earn $300 by opening a Free or Interest Checking account, enrolling in eStatements and setting up direct deposit.
- Set up a payroll direct deposit with two consecutive months totaling $4,000 or more within 90 days.
- Earn $50 by opening a Money Market account along with your new Free or Interest Checking account.
- Earn a final $50 by enrolling in RoundUp and accelerating your savings even further.
- our cash reward will be deposited into your new Patelco checking account before June 30, 2025 when you’ve met the criteria listed above before May 31, 2025.
- Valid for the recipient of this offer only for checking account opened during promotional period January 7, 2025 to February 28, 2025. In order to qualify for the first $300 bonus, you must meet the following criteria 1) become a new Patelco member by opening a checking account by February 28, 2025. 2) sign up for e-statement 3) have a minimum of two (2) consecutive qualifying monthly direct deposits into your new Patelco checking account totaling $4000 or more by May 31, 2025. Qualifying direct deposits are electronic deposits of payroll (paycheck), government benefits payments, Social security, pension or other income received through the Automated Clearing House (“ACH”) Network. Deposits that do not qualify include, but are not limited to, internal Patelco account to account transfers, check deposits, peer-to-peer transfers (e.g., transfers from Zelle, PayPal, Venmo, etc.), ATM or branch deposits, ATM transfers, or remote deposits. You can earn up to an additional $100 ONLY after you’ve qualified for the first $300 reward before the qualification period ends on May 31, 2025. Earn an additional $50 by opening a Money Market Plus or Money Market Select account. Earn an additional $50 by signing up and using RoundUp at least once for your debit card purchases.
- The cash bonus will be credited to your Patelco checking account 90 days after the end of the campaign and before June 30, 2025. Must be 18 and over to qualify. Available on Free Checking and Interest Checking accounts only to the recipient of this offer or those in the same household. Limit one incentive payout per primary membership checking account. Membership must be open and in good standing at the time of bonus credit. If you receive $600 or more in prizes from Patelco throughout the year, we’ll send you an IRS Form 1099. Patelco employees are not eligible.
Patelco Credit Union $50 Checking Bonus
When you sign up for a checking account with direct deposit, you can earn a $50 bonus from Patelco Federal Credit Union.
- What you’ll get: $50 bonus
- Account Type: Checking
- Availability: CA (Bank Locator)
- Direct Deposit Requirement: Yes (see what works)
- Credit Inquiry: Soft Pull
- Chexsystems: Unknown
- Credit Card Funding: No
- Monthly Fees: $0-$6.95
- Early Account Termination Fee: None
- Household Limit: None
(Limited time offer)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- To qualify for the $50 bonus, you must use the employer code provided to open a new checking account (minimum deposit of $100).
- The $50 reward will be credited to your savings account within 5 business days of the qualifying new account being opened.
- To qualify for the $50 bonus, you must use the employer code provided to open a new checking account (minimum deposit of $100).
- The $50 reward will be credited to your savings account within 5 business days of the qualifying new account being opened.
- If you receive $600 or more in prizes from Patelco throughout the year, we’ll send you an IRS Form 1099.
Patelco Credit Union $100 Referral Bonus
- What you’ll get: $100
- Account Type: Checking account
- Availability: CA
- Direct Deposit Requirement: No
- Credit Inquiry: Soft Pull
- Chexsystems: Unknown
- Credit Card Funding: No
- Monthly Fees: No
- Early Account Termination Fee: None
- Household Limit: None
(Expires 07/31/2025)
| BMO Smart Money Checking ($400 cash bonus*) | KeyBank Checking ($300 bonus) |
| Chase Private Client ($3,000 Bonus) | HSBC Premier Checking (Up to $3,000 Cash Bonus), |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Share your personal referral code with your friends and family. We’ve emailed the code to you, or you can contact us to look it up!
- Your friends can earn the first $100 in 3 simple steps:
- Open a Free or Interest Checking account with your referral code. We’ve emailed the code to you, or you can contact us to look it up!
- Sign up for eStatements
- Set up and receive a direct deposit of $500 or more per month (such as payroll) for 2 consecutive months (totaling $1,000 or more) within 90 days.
- Earn an additional $50 each for Money Market and RoundUp.
- Once they’ve opened a checking account and completed the steps listed above, they can earn an additional $100 ($50 each) if they open a Money Market account or enroll in RoundUp within 90 days of joining Patelco.
- Refer a friend using your personal referral code assigned to your membership. Your referral MUST use your code to become a member and open a new checking account by July 31, 2025 at any Patelco branch or online and meet the qualifications outlined here to earn up to $200. To qualify for the first $100 bonus, the following criteria must be met: 1) new member must join Patelco by opening a Free Checking or Interest Checking account with the referral code provided 2) sign up for eStatements 3) have a minimum of two (2) consecutive qualifying monthly direct deposits of $500 or more into the new Patelco checking account totaling $1,000 or more within 90 days of new membership.
- Qualifying direct deposits are electronic deposits of payroll (paycheck), government benefits payments, Social Security, pension or other income received through the Automated Clearing House (“ACH”) Network. Deposits that do not qualify include, but are not limited to, internal Patelco account to account transfers, check deposits, peer-to-peer transfers (e.g., transfers from Zelle®, PayPal, Venmo, etc.), ATM or branch deposits, ATM transfers, or remote deposits.
- For the new member, who has met the above-stated criteria, to earn up to an additional $100, they must complete the following activities within 90 days of their new membership: 1) open a Money Market Plus or Money Market Select account to earn an additional $50, 2) sign up and use RoundUp at least once for debit card purchases to earn another $50.
- Referring members can earn $100 for each referral that meets the qualifications for the first $100 bonus and can earn up to $500 total in Refer a Friend bonus per year. The referral bonus will be credited to your Patelco savings account. The cash bonus for new members will be credited to their new Patelco checking account after qualification criteria are met, on or before 90 days from the date the new membership is opened. Accounts must be open and in good standing at the time of bonus credit. Patelco employees are not eligible. If you receive $600 or more in prizes from Patelco throughout the year, we’ll send you an IRS Form 1099.
How To Waive Monthly Fees
- Plus Checking: $6.95 monthly fee
- Free Checking: None
- Interest Checking: $5, Monthly fee waived if your account meets any one of the following: Monthly direct deposit of $100 or more, Minimum daily balance of $500, You’re a Patelco Commitment Household Member
- Youth Checking: None
- Money Market Select: None
- Regular Savings: None
- Coverdell Education Savings Account: $2
- Holiday Club Savings: None
- Youth Savings: None
 |
 |
Bottom Line
The Patelco Federal Credit Union promotions has similar requirements for bonuses of similar value. However, joining Patelco FCU gives you access to a number of wonderful services that I’d definitely recommend to anyone that is eligible.
However, note that Patelco FCU doesn’t have great rates for CDs and Savings. Instead, you may want to check out our full list of Bank Rates and CD Rates.
*Compare Patelco Credit Union Promotions with other bank bonuses from banks like Huntington, HSBC, Chase, TD, Bank of America, Citi, and more!*
Lastly, check back at this page for updated Patelco Federal Credit Union promotions, bonuses and offers.
Hi – Patelco actually has a pretty good savings account if you the account balance is under $2000. It’s 3% for their Money Market account. I just applied for one. https://www.patelco.org/explore-services/money-market
Maybe you could share this on this page https://www.hustlermoneyblog.com/patelco-credit-union-promotions/
Please use my referral code RFP7HPDV when opening your Patelco checking account to get a $50 bonus.