Frequently Asked Questions About Patelco Credit Union Routing Numbers
Why does Patelco Credit Union only have one routing number?
As a California-based credit union serving primarily Northern California, Patelco Credit Union operates with a single routing number (321076470) for all members. This simplified structure is common among credit unions and makes it easier for members to manage their accounts, especially if they move to different branches within Patelco's service area. Founded in 1936 by Pacific Telephone and Telegraph Company employees with just $500 in assets, Patelco has grown to serve over 500,000 members with more than $9 billion in assets while maintaining this straightforward routing number system.
Can I receive wire transfers from outside the United States?
Yes, you can receive international incoming wire transfers at Patelco Credit Union, but the process requires an intermediary bank because Patelco does not have its own SWIFT code. International wires are routed through Bank of America (SWIFT: BOFAUS3N) and then forwarded to your Patelco account. You'll need to provide the sender with specific intermediary bank instructions, which you can find on Patelco's website or by calling customer service at 1-800-358-8228. Incoming international wire transfers cost $15.
Does Patelco offer international outgoing wire transfers?
No, Patelco Credit Union discontinued international outgoing wire transfers in October 2013. You can only send domestic wire transfers to other U.S. banks and credit unions. If you need to send money internationally, consider using alternative services like Wise, Remitly, or other international money transfer providers. Patelco does support Zelle for quick domestic transfers to friends and family, which is typically free and processes within minutes.
What's the difference between my account number and routing number?
Your routing number (321076470) identifies Patelco Credit Union as the financial institution, while your account number identifies your specific account within Patelco. Patelco account numbers are 14 digits long and begin with 746. You can find your full account number on your checks (to the right of the routing number) or by logging into Patelco Online and selecting the Account Details tab for your account. Always provide both the routing number and your complete account number when setting up direct deposits or receiving transfers.
Are wire transfer fees waived for any Patelco members?
Yes, Patelco waives both incoming and outgoing domestic wire transfer fees for Commitment Household members. Standard fees are $20 for outgoing domestic wires and $10 for incoming domestic wires. If you're not part of the Commitment Household program, ask your local branch about eligibility requirements and how to enroll. The program offers various fee waivers and benefits for qualifying members.
