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Patelco 即时备份 信贷额度

The Patelco 即时备份 信贷额度 allows you to cover your checking account against extra fees if you go below your balance.


如何 即时备份 信贷额度 工作?

If you have an unexpected shortage of funds in your Patelco checking account, your overdraft line of credit takes over to cover you.​

Once you sign up for this convenient feature, we will process your transactions on your Patelco 检查 account, even if they dip your balance below $0.00. Instead of paying an overdraft fee, you’ll pay interest only on the amount you borrowed for the amount of time it’s outstanding.

产品的好处

没有费用和低费率

No cash advance fees (unlike credit cards), plus get a competitive, fixed rate

节省金钱

感兴趣 you would pay is much less than an overdraft fee

Establish or rebuild credit

With on-time payments, can help establish credit history on your credit report

没有信用检查2

Access overdraft protection with no credit check

即时备份 信贷额度

利率 Effective 04/05/2023

术语4月1
19910开放式的最高500美元17.90%05/04/202312

Frequently Asked Questions

Manage Your Accounts Online

使用 Patelco在线™ to manage your accounts online:

  • 查询账户余额
  • 获取帐户详细信息
  • Transfer funds and Make Payments
  • Send us secure messages about your loan
  • Make payments from your Patelco account
We've got you covered for the unexpected
Tap into 即时备份 to cover unplanned or occasional expenses between paychecks.

1 4月 = Annual Percentage Rate. All loans are subject to credit approval, restrictions apply, rates are subject to change. Loan rates offered effective 04/05/2023. 年利率范围是17.90% for 即时备份™ 信贷额度. Minimum payment is $25.00 or 2% of the unpaid balance, whichever is greater. (If balance is less than $25.00, minimum payment will be full balance owed.) To learn more about rates, 条款, and exclusive discounts for members, such as Commitment Household, 呼叫。 800.358.8228 or visit any Patelco branch.

2 While your credit report is not pulled for the purpose of using your credit score to qualify you for a specific interest rate for the 即时备份 Overdraft 信贷额度, 帕特尔科信用合作社 does, and will report your payment history to the credit bureaus.

比较

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