Dividend Checking
A HIGH-YIELD CHECKING ACCOUNT
GROW YOUR MONEY WHILE MANAGING YOUR DAILY CHECKING NEEDS
Earn a Competitive APY*
Your money works hard for you, which helps you achieve your financial goals sooner.
Online & Mobile Banking
Easily manage your account online or with your mobile device anywhere, anytime.
ATM Benefits
Unlimited $1.00 per transaction ATM surcharge fee reimbursement and unlimited use of Patriot and surcharge-free ATMs.
YOUR MONEY, WORKING HARDER FOR YOU
Who says you can’t have your cake and eat it too? With Dividend Checking, you get the best of both worlds — the convenience of a checking account and the interest of a savings account.
Dividend Checking is an ideal checking solution for higher balances. It allows you to boost your savings while having easy access to your funds for your everyday transactions.
Key features of our high-yield checking account include:
- $2,500 minimum opening deposit amount
- Earn a competitive APY
- Unlimited ATM withdrawals
- Online and mobile banking access
- ATM surcharge refunds2
- Linked savings account transfers for overdrafts
- Bill pay
- Unlimited check writing
Are you ready to put your money to work earning a great rate? Click the button below to supercharge your checking and start earning today!
Already a member? Add a checking account using online banking.
Open a Dividend Checking Account in 3 Easy Steps!
Check Your Patriot Membership Eligibility
Membership is open to anyone who lives, works, worships, or attends school in our service area.
Apply Online
Conveniently apply online by clicking the button below or drop by a branch.
Fund Your Account
Deposit the $2,500 minimum opening deposit amount into your account and start using it for all of your needs!
Unlike many financial institutions, Patriot is a nonprofit organization. We pass the savings on to you in the form of lower and fewer fees and better rates for our high-yield checking accounts.
Already a member? Add a checking account using online banking.
— Vincent, HagerstownGreat staff, friendly atmosphere, and very, very helpful.
DIVIDEND CHECKING FAQs
A high-yield checking account is a great way to earn interest on your checking balance while also having easy access to your funds. It offers the convenience of a checking account with the growth potential of a savings account, giving you the best of both worlds. High-yield checking accounts are ideal for those with higher balances.
Yes, you can easily set up direct deposit to automatically deposit your paychecks or other income directly into your checking account.
Yes, with our Overdraft Protection Services, you can link our Prime Share Savings account to automatically transfer funds to cover overdrafts and to ensure your transactions will be completed. Overdraft transfers are free for Dividend Checking!
Yes, all Patriot accounts, including Dividend Checking, are insured for up to $250,000 by the National Credit Union Administration (NCUA). Your account will be backed by the full faith and credit of the U.S. government.
Yes, you will receive a debit card that you can use for online and in-person transactions.
Yes, when you are charged an out-of-network ATM fee, Patriot will give you a $1.00 refund per transaction.
Patriot Federal Credit Union membership is open to individuals, businesses, and organizations who live, work, worship, attend school, or regularly conduct business in:
- Franklin County, Pennsylvania
- Washington County, Maryland
- Frederick County, Maryland
- Berkeley County, West Virginia
- Jefferson County, West Virginia
- Morgan County, West Virginia
When you are eligible, family members, including your spouse, children, parents, spouse’s parents, brothers, sisters, grandparents, and others can also join.
HAVE QUESTIONS? WE’RE HERE TO HELP!
Disclosures
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This credit union is federally insured by the National Credit Union Administration.
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Equal Housing Lender
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1Annual Percentage Yield of 2.50% will apply to the entire balance in your account if your average daily balance is from $2,500.00 to $20,000.00. You will not earn dividends on any portion of your balance that exceeds$20,000.00.
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Monthly maintenance fee: $14.95 per month. Waived if an average daily balance of $2,500.00 is maintained during a calendar month AND at least 15 Visa Check Card Signature Transactions clear OR ACH Direct Deposits of at least $1,500.00 are received into this Share Draft during a calendar month.
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2$1.00 refund per transaction
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3$0.05 per purchase; requires 25 completed non-PIN purchases.
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4$0.10 per purchase; requires 15 completed non-PIN purchases.