Member 请参考rals have helped us grow and pass on more 储蓄 with better rates. Thanks to members like you, Patelco is now almost half a million members strong. 这就是为什么在有限的时间内, we want to reward you even more with our popular 推荐朋友 program!
我们会为每一位合格的推荐人扣除50美元，最高可达500美元. Make sure to enter your personal 请参考ral code when opening the new checking account. 此限时优惠将于2024年5月17日结束.
They can earn $50 by opening a checking account with a $100 minimum deposit, and an 额外的50美元 when they open a 货币市场+ or Select account.
When they use your personal 请参考ral code to open their checking account, you’ll also receive $50.
Patelco是一家会员所有的非营利性金融合作社. 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. 不像大银行或其他营利性金融机构, 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, 并支持他们做出更自信的财务选择.
会员资格免费. 当你在我们这里开户时，你就成为会员了. 看看 所有会员的福利.
Members will receive an email in early August with their assigned 请参考ral code. 或者您可以太阳集团平台查找代码.
If you are not yet a member and were 请参考red 对Patelco by a friend or 家庭 member, 一定要询问他们的推荐代码.
直接把钱存入帕特尔科账户的会员, 储蓄, 或者货币市场账户可以提前2天付款2 -这样你就可以更快地访问你的资金.
Once you’ve opened your checking account with the qualifying deposit of $100, you’ll be eligible for an 额外的50美元 bonus if you also open a Money Market account.
我们提供 货币市场+ 利率高达4的账户.50%的年5 根据你在“货币市场+”账户中的余额. You’ll need to make a minimum monthly deposit of $500 or more into your checking account to qualify for the higher rates. 或者你可以选择a 货币市场选择 支付账户2.00%的年6 余额不超过2000美元. This account is great for those who are starting to save or don’t meet the recurring deposit requirements for the 货币市场+ account.
There are no monthly fees or minimum balance requirements for either account so you can choose the one that meets your needs.
You can open your checking account and money market accounts at the same time or open your money market account later via online banking or our 手机应用程序.
预约参观您附近的Patelco分公司. 或在线与我们的 虚拟分支 — where you can drop in or schedule an appointment to meet virtually from the comfort of your home or office.
1 用你的个人推荐代码推荐一个朋友. For you and your friend or 家庭 member to qualify for the $50 bonus, they must use the code provided to become a member and open a new checking account (minimum deposit of $100) by May 17, 2024在帕特尔科的任何分支机构或帕特尔科.org/请参考. The $50 reward will be credited to your 储蓄 account within 5 business days of the qualifying new account being opened. Receive an 额外的50美元 reward when you open a 货币市场选择 or 货币市场+ account. Patelco team members are not eligible to receive the $50 reward credit. If you receive $600 or more in prizes from Patelco throughout the year, 我们会寄给您一份国税局1099表.
2 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, 哪一天可能比预定的付款日期早2天.
3 你必须在 即时备份 在您的支票账户上获得高达500美元的透支保障. 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. 在04/05/23之后开立的支票账户不收取透支费.
4 来源:App Store上超过2.2万条五星评价.
5 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%的年利率将违约. 合格的存款交易包括:工资直接存款, 社会保障(或其他政府福利)直接存款, 乙酰胆碱转移, Zelle®, Venmo, PayPal或其他类似的存款, 现金存款, 支票存款(从另一个Patelco账户开出的支票除外), 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, 来自帕特尔科的退款或促销奖励.
欲了解更多详情，请阅读我们的 货币市场加上帐户概述.
6 APY=年收益率百分比. 利率 are valid as of 12/01/2022 and are subject to change after account opening without notice. 利息按每一等级的余额按等级利率支付. 支付的总利息是每一层的总和. Blended APY shown assumes the amount entered is held in the account for one year. Withdrawing funds before one year will result in a different realized rate. 开户不要求最低存款额. Limit one 货币市场选择 account and one 货币市场选择 爱尔兰共和军 account per account number.
