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Patriot Checking

Choose from 4 Personal Checking Accounts to Fit Your Life



One of Patriot’s Checking Accounts is perfect if you are looking to make the most of your money and would like to take advantage of online services that make your life easier!

To fit your lifestyle and habits, here are a few questions to get you started:

Like the ease of online and mobile banking? Look at E-Plus.
You’ll find using Patriot Mobile and eBranch a simple way to manage your money. “Plus” you’ll earn rewards for making purchases1 with your debit card!

Looking for rewards for using your debit card and more? Rewards is for you!
By using your debit card for most of your purchases2, the Rewards account is like getting paid to shop each month! You’ll also have free Overdraft Transfer from savings or Line of Credit.

Like to earn dividends and tend to carry a larger balance? The Dividend account fits!
If you keep a larger balance in your checking account, then consider the Dividend account to earn a higher return each month! You’ll be entitled to additional ATM benefits, including a $1.00 per transaction refund of ATM surcharge fees!

Want an account that covers the basics? Look at Essentials.
If you like a simple account that has the convenience of online banking and bill pay, check writing, a debit cardand ATM benefits, then check out our Essentials account.

Compare for a Better Fit!



Benefits Essentials E-Plus Rewards Dividend
FREE Online & Mobile Banking Access
FREE Bill Pay Access
FREE Unlimited withdrawals at Patriot ATM
FREE Withdrawals at other Institution’s ATM 6 12 12 Unlimited
Refund of ATM Surcharge Fees
FREE Overdraft Transfer from Prime Savings Account or Line of Credit
FREE Unlimited Check Writing
Earns Dividends – 2% APY3
Rewards Visa® Debit Card 1 2

1$.05 per purchase; requires 25 completed non-PIN purchases. 2$.10 per purchase; requires 15 completed non-PIN purchases. 3Annual Percentage Yield is accurate as of 07/01/2014. Paid on average daily balance between $2,500 and $20,000. Rates subject to change without notice. Fees could reduce the earnings on the account. For more details, click here.

*Minimum Monthly Requirements
E-Plus: Direct deposits of $500 or 25 completed debit card non-PIN purchases; requires use of E-Statements.
Rewards: Maintain an average daily balance of $1,000 PLUS direct deposits of $1,000 or 15 completed debit card purchases; requires use of E-Statements.
Dividend: Maintain an average daily balance of $2,500 PLUS direct deposits of $1,500 or 15 completed debit card purchases. Rates subject to change without notice.

Easy-to-Use Money Management Tools


At Patriot Federal Credit Union, we make it easy to accessyour money and handle routine transactions at a time and place that’s convenient for you.

Patriot Mobile App
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 iTunes and your Android stores.

VISA® Debit Card
Our VISA® Debit Card is accepted worldwide at traditionalor online merchants that display the VISA® logo. For quick cash, you may also use it at ATMs displaying the STAR and Plus logo or ask for cash back at supermarkets. All transactions are deducted from your Essentials Checking account and are detailed on your monthly statement.

eBranch Online Banking
View your account information online and handle routine transactions 24/7 with eBranch. Our secure server provides state-of-the-art encryption technology for your protection. You’ll have an eBranch password enabling you to check your account balances, transfer funds, make loan payments, balance your checking account, and more.

Bill Pay
When you register for eBranch, you will have free accessto Bill Pay to save time and postage! With a few clicks, you can schedule recurring monthly payments and onetime payments that are automatically deducted from your Patriot Checking Account.

E-Statements
Security of members’ account information is of theutmost importance at Patriot. E-Statements are the safe and secure online option to obtain your monthly credit union statement. For your convenience, statements are available through eBranch 24 hours a day, 7 days a week.

Direct Deposit
Sign up for Direct Deposit and your paycheck, social security check, or retirement check will be automatically and securely deposited into your Patriot Federal Credit Union Essentials Checking account.

There's Even More



  • Patriot SMART ATMs provide instant acknowledgement of cash and check deposits and faster funds availability. Click here for a listing of Patriot ATM locations as well as an ATM locator for thousands of additional STAR/PLUS Network ATMs.
  • Automatic Deposits and Payments use Patriot’s ACH (Automated Clearing House) Service to make deposits and payments to or from other financial institutions for things like loan payments or other recurring obligations.
  • SMARTLine Automated Phone Banking System makes it easy to track your finances from anywhere you have access to a touchtone phone. Check balances, transfer funds, review transactions, request a check and more.
  • Wire Transfers enable you to send money to nearly anyone in the U.S., usually the same day, at a price that’s lower than most other money transfer services.

Open an Account Today!



Click here to open an account online.

Ready to Switch?



Our Checking Switch Kit makes it quick and easy to move your checking account to Patriot.

Want to talk about what fits you best?



For more information, call our contact center: Chambersburg, 717-263-4444; Hagerstown, 301-766-7328; or Toll Free,888-777-9982. You can also visit one of our 7 convenient locations.

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A secure way for all your online VISA card purchases.
» Click here for Debit Card
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Toll Free (888) 777-9982
800 Wayne Avenue • Chambersburg • PA 17201
© 2014 Patriot Federal Credit Union