Checking Accounts
Take charge of your day-to-day finances with a Patriot Checking Account.
Effortlessly Manage Your Daily Finances
Our checking accounts are designed to make your time and money go further and help you make the most of your banking experience.
Checking Account Options
Patriot Federal Credit Union offers four different checking account options.
Essentials Checking
Discover simplicity with our Essentials checking account — no monthly minimum balance required.
e-Plus Checking
Select e-Plus checking for a $.05 reward on all signature purchases1, free Visa® debit card, and more — perfect for maximizing your money.
Rewards Checking
Select Rewards Checking for a $.10 reward on all signature purchases2 and free ATM withdrawals. Ideal for those who use online banking and higher checking balances.
Dividend Checking
Opt for Dividend Checking for earnings, ATM surcharge refunds, and free linked savings account transfers — perfect for higher balances and growing your money.
Compare Your Options
All accounts include free online & mobile banking access, bill pay, surcharge-free access to over 55,000 Allpoint ATMs worldwide, and free unlimited check writing.
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Minimum Opening Deposit Amount
Minimum Opening Deposit Amount
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ATM Withdrawal
Fee Waiver
ATM Withdrawal
Fee Waiver
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ATM Surcharge-Fee Refund
ATM Surcharge-Fee Refund
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Earn Dividends
Earn Dividends
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Debit Card Rewards
Debit Card Rewards
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Minimum Opening Deposit Amount
$25
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ATM Withdrawal
Fee Waiver
6 total free per month
Patriot or foreign ATMs
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ATM Surcharge-Fee Refund
No
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Earn Dividends
No
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Debit Card Rewards
No
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Minimum Opening Deposit Amount
$25
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ATM Withdrawal
Fee Waiver
12 free from foreign ATMs
Free unlimited withdrawals at Patriot ATMs
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ATM Surcharge-Fee Refund
No
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Earn Dividends
No
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Debit Card Rewards
Yes1
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Minimum Opening Deposit Amount
$1,000
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ATM Withdrawal
Fee Waiver
12 free from foreign ATMs
Free unlimited withdrawals at Patriot ATMs
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ATM Surcharge-Fee Refund
No
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Earn Dividends
No
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Debit Card Rewards
Yes2
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Minimum Opening Deposit Amount
$2,500
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ATM Withdrawal
Fee Waiver
Free unlimited withdrawals
at Patriot or foreign ATMs
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ATM Surcharge-Fee Refund
Yes3
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Earn Dividends
Yes
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Debit Card Rewards
No
Earn More On Your Money
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Average Daily Balance |
APY1 |
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1APY=Annual Percentage Yield. Rates are variable and are subject to change at any time. Withdrawals and fees could reduce earnings. Minimum opening balance $2,500. |
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Average Daily Balance $2,500-$20,000 |
APY1 2.50% |
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Average Daily Balance $20,000.01+ |
APY1 0.00% |
Add Direct Deposit to Your Checking Account
Open a checking account with us for access to a range of credit union benefits supporting your financial independence.
Explore Our Easy-to-Use Money Management Tools
At Patriot Federal Credit Union, we make it easy to access your money and handle routine transactions at a time and place that’s convenient for you.
As the free mobile banking app for smartphone or tablet, Patriot Mobile offers you maximum convenience for doing your banking – anytime, anywhere! You can do transactions, check balances, pay bills and make deposits with a click of your phone. It is available free through Apple Store (iOS) and your Google Play Store (Android).
Our Visa Debit Card is accepted worldwide at traditional or online merchants that display the Visa logo. For quick cash, you may use any of Patriot’s ATMs as well as a network of 55,000 Allpoint ATMs. You can also ask for cash back at supermarkets. All transactions are deducted from your checking account and are detailed on your monthly statement. Transactions on Visa debit cards are also protected by 3-D Secure by Visa.
View your account information online and handle routine transactions 24/7 with Online Banking. Our secure server provides state-of-the-art encryption technology for your protection. You’ll have an Online Banking password enabling you to check your account balances, transfer funds, make loan payments, balance your checking account, and more.
When you register for Online Banking, you will have free access to Bill Pay to save time and postage! With a few clicks, you can schedule recurring payments and one-time payments that are automatically deducted from your Patriot Checking Account.
Security of members’ account information is of the utmost importance at Patriot. eStatements are the safe and secure online option to obtain your monthly credit union statement. For your convenience, statements are available through Online Banking 24 hours a day, 7 days a week.
Secure, Fast Ordering — Ordering your checks online from Harland Clarke is as safe and secure as ordering them in person or over the phone. The site is Verisign secure and TruSecure certified, so your transactions and account information are safe and completely confidential.
Order checks online now
Note: First time check orders need to be processed by a Patriot employee. Call or stop at a branch to order.
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Disclosures
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1$0.05 per purchase; requires 25 completed non-PIN purchases.
2$0.10 per purchase; requires 15 completed non-PIN purchases.
3$1.00 refund per transaction -
This credit union is federally insured by the National Credit Union Administration.
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Equal Housing Lender