Patelco Federal Credit Union

Headquarters: Dublin, California
Charter: Credit Union
Assets: $9.8B
Fed district: San Francisco

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Interest Checking Account $5 · Plus Checking Account $6.95 · Premier Interest Checking Account (with less $10
Compared at $6.95, the middle of its prices
Patelco Federal Credit Union: $5 to $10
Patelco Federal Credit Union: $5 to $10
U.S. median: no median
Overdraft (OD)
Patelco Federal Credit Union: $14
Patelco Federal Credit Union: $14
U.S. median: no median
Non-Network ATM
Patelco Federal Credit Union: $1.75
Patelco Federal Credit Union: $1.75
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
California: Banks and credit unions headquartered in California that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Patelco Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Interest Checking Account Monthly Fee$5
per month · with less than $500 Average Daily Balance
Plus Checking Account Monthly service charge$6.95
per month
Premier Interest Checking Account (with less Monthly service charge$10
per month
Escheat Locator / Transfer Fee$2
Account Reconciliation Research$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Debit Card Paid NSF Fee (opt-in required)$14

ATM & Card

ATM Charge on Non-Patelco ATMs$1.75
per transaction
HSA Debit Card Replacement Fee$10
Lost Card Replacement (after 2 per year)$10
Foreign Transaction Fees1%of the transaction
per transaction

Check Services

Official Checks to Third Party$5
Temporary Checks (up to 20)No charge
Collection Items –$10.00 plus cost charged$10
Fee for each additional check copy$1
per item
HELOC Check Copies (up to 12 checks or 18 months)No charge

Digital & Electronic

Online Banking and Bill PayNo charge

Cash & Deposit

Cash advance2%of the advance

Account Services

Notary Fee (Patelco documents only)No charge
Stop Payments: Notary Fee (non-Patelco documents)$10
per item
IRS Levy / Withholding / Judgment$20
per item
Subordination Review Fee$200

Lending Fees

Loan Payment Late Charge$5
Payment Skips / Deferral Fee$25
per item

Retirement & IRA

HSA / IRA Adjustment Fee$20
per item
IRA Outgoing Transfer Fee$20

Other Fees

Credit Cards: Statement Copies$1
per item
Photocopies (not including research)No charge

Fee	Amount	Basis	Note
Account Maintenance
Interest Checking Account Monthly Fee	$5	per month	with less than $500 Average Daily Balance
Plus Checking Account Monthly service charge	$6.95	per month	None
Premier Interest Checking Account (with less Monthly service charge	$10	per month	None
Escheat Locator / Transfer Fee	$2	Not stated	None
Account Reconciliation Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Debit Card Paid NSF Fee (opt-in required)	$14	Not stated	None
ATM & Card
ATM Charge on Non-Patelco ATMs	$1.75	per transaction	None
HSA Debit Card Replacement Fee	$10	Not stated	None
Lost Card Replacement (after 2 per year)	$10	Not stated	None
Foreign Transaction Fees	1%of the transaction	per transaction	None
Check Services
Official Checks to Third Party	$5	Not stated	None
Temporary Checks (up to 20)	No charge	Not stated	None
Collection Items –$10.00 plus cost charged	$10	Not stated	None
Fee for each additional check copy	$1	per item	None
HELOC Check Copies (up to 12 checks or 18 months)	No charge	Not stated	None
Digital & Electronic
Online Banking and Bill Pay	No charge	Not stated	None
Cash & Deposit
Cash advance	2%of the advance	Not stated	None
Account Services
Notary Fee (Patelco documents only)	No charge	Not stated	None
Stop Payments: Notary Fee (non-Patelco documents)	$10	per item	None
IRS Levy / Withholding / Judgment	$20	per item	None
Subordination Review Fee	$200	Not stated	None
Lending Fees
Loan Payment Late Charge	$5	Not stated	None
Payment Skips / Deferral Fee	$25	per item	None
Retirement & IRA
HSA / IRA Adjustment Fee	$20	per item	None
IRA Outgoing Transfer Fee	$20	Not stated	None
Other Fees
Credit Cards: Statement Copies	$1	per item	None
Photocopies (not including research)	No charge	Not stated	None

ATM & Card

Foreign Transaction Fees for Credit CardsNo charge

Other Fees

Statement Copies (after first 5)$3
per item

Fee	Amount	Basis	Note
ATM & Card
Foreign Transaction Fees for Credit Cards	No charge	Not stated	None
Other Fees
Statement Copies (after first 5)	$3	per item	None

Correct a fee source

Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Interest Checking Account $5 · Plus Checking Account $6.95 · Premier Interest Checking Account (with less $10
Compared at $6.95, the middle of its prices
Patelco Federal Credit Union: $5 to $10
Patelco Federal Credit Union: $5 to $10
U.S. median: no median
Overdraft (OD)
Patelco Federal Credit Union: $14
Patelco Federal Credit Union: $14
U.S. median: no median
Non-Network ATM
Patelco Federal Credit Union: $1.75
Patelco Federal Credit Union: $1.75
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
California: Banks and credit unions headquartered in California that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Published fee schedule

Amounts from Patelco Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Interest Checking Account Monthly Fee$5
per month · with less than $500 Average Daily Balance
Plus Checking Account Monthly service charge$6.95
per month
Premier Interest Checking Account (with less Monthly service charge$10
per month
Escheat Locator / Transfer Fee$2
Account Reconciliation Research$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Debit Card Paid NSF Fee (opt-in required)$14

ATM & Card

ATM Charge on Non-Patelco ATMs$1.75
per transaction
HSA Debit Card Replacement Fee$10
Lost Card Replacement (after 2 per year)$10
Foreign Transaction Fees1%of the transaction
per transaction

Check Services

Official Checks to Third Party$5
Temporary Checks (up to 20)No charge
Collection Items –$10.00 plus cost charged$10
Fee for each additional check copy$1
per item
HELOC Check Copies (up to 12 checks or 18 months)No charge

Digital & Electronic

Online Banking and Bill PayNo charge

Cash & Deposit

Cash advance2%of the advance

Account Services

Notary Fee (Patelco documents only)No charge
Stop Payments: Notary Fee (non-Patelco documents)$10
per item
IRS Levy / Withholding / Judgment$20
per item
Subordination Review Fee$200

Lending Fees

Loan Payment Late Charge$5
Payment Skips / Deferral Fee$25
per item

Retirement & IRA

HSA / IRA Adjustment Fee$20
per item
IRA Outgoing Transfer Fee$20

Other Fees

Credit Cards: Statement Copies$1
per item
Photocopies (not including research)No charge

Fee	Amount	Basis	Note
Account Maintenance
Interest Checking Account Monthly Fee	$5	per month	with less than $500 Average Daily Balance
Plus Checking Account Monthly service charge	$6.95	per month	None
Premier Interest Checking Account (with less Monthly service charge	$10	per month	None
Escheat Locator / Transfer Fee	$2	Not stated	None
Account Reconciliation Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Debit Card Paid NSF Fee (opt-in required)	$14	Not stated	None
ATM & Card
ATM Charge on Non-Patelco ATMs	$1.75	per transaction	None
HSA Debit Card Replacement Fee	$10	Not stated	None
Lost Card Replacement (after 2 per year)	$10	Not stated	None
Foreign Transaction Fees	1%of the transaction	per transaction	None
Check Services
Official Checks to Third Party	$5	Not stated	None
Temporary Checks (up to 20)	No charge	Not stated	None
Collection Items –$10.00 plus cost charged	$10	Not stated	None
Fee for each additional check copy	$1	per item	None
HELOC Check Copies (up to 12 checks or 18 months)	No charge	Not stated	None
Digital & Electronic
Online Banking and Bill Pay	No charge	Not stated	None
Cash & Deposit
Cash advance	2%of the advance	Not stated	None
Account Services
Notary Fee (Patelco documents only)	No charge	Not stated	None
Stop Payments: Notary Fee (non-Patelco documents)	$10	per item	None
IRS Levy / Withholding / Judgment	$20	per item	None
Subordination Review Fee	$200	Not stated	None
Lending Fees
Loan Payment Late Charge	$5	Not stated	None
Payment Skips / Deferral Fee	$25	per item	None
Retirement & IRA
HSA / IRA Adjustment Fee	$20	per item	None
IRA Outgoing Transfer Fee	$20	Not stated	None
Other Fees
Credit Cards: Statement Copies	$1	per item	None
Photocopies (not including research)	No charge	Not stated	None

ATM & Card

Foreign Transaction Fees for Credit CardsNo charge

Other Fees

Statement Copies (after first 5)$3
per item

Fee	Amount	Basis	Note
ATM & Card
Foreign Transaction Fees for Credit Cards	No charge	Not stated	None
Other Fees
Statement Copies (after first 5)	$3	per item	None

Correct a fee source

Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.