Your business is important to the growth of our local economy and the future of our community. Helping you meet the changing needs of your business and managing your money is the foundation for our business checking accounts. Our goal is to enable you to focus your energy on your business instead of on what’s going on with your banking. We know that every business is different, so we offer three tiers of general business checking accounts:
Business Checking I
Our first tier checking account is ideal for the small business with ~500 transactions a month. This account has no minimum balance requirement and no monthly account fee. All of our business checking accounts also include a VISA® business debit card. Check out these and the other benefits of our Business Checking I account:
- First 500 transactions free
- No minimum opening deposit
- No monthly account fee
- No minimum daily balance
- VISA business debit card
- 6 ATM fees waived per month
Business Checking II
Our second tier business checking account is ideal for a larger business than the first tier. With 750 free transactions a month, this account is great for lots of small business owners. This account requires no minimum balance but we waive the monthly account fee with a minimum daily balance of $2,500. Our Business Checking II features these and other benefits:
- First 750 transactions free
- No minimum opening deposit
- No monthly account fee with daily balance of $2,500 or more
- VISA business debit card
- 6 ATM fees waived per month
Business Checking III
Our third tier business checking account is great for a busier mid-sized business, with 1,000 free transactions. There is no minimum daily balance required, but we waive any monthly account fees if you keep a minimum daily balance of $10,000. Take advantage of these benefits and more when you open a Business Checking III account:
- First 1,000 transactions free
- No minimum opening deposit
- No monthly account fee with daily balance of $10,000 or more
- VISA business debit card
- 6 ATM fees waived per month
We also offer a business checking account option specifically for non-profits:
Non-Profit Checking
- No minimum opening deposit
- No monthly account fee
- VISA business debit card
- First 300 transactions free
- 6 ATM fees waived per month
Still not sure which account is the best fit for you? Compare our business checking accounts with this chart:
Benefits |
Business Checking I |
Business Checking II |
Business Checking III |
Non-Profit Checking |
| FREE Transactions per Membership | 500 | 750 | 1,000 | 300 |
| NO Minimum Opening Deposit | X | X | X | X |
| LOW OR NO Monthly Service Fee | None |
$10 per month Waived with $2,500 min daily balance |
$20 per month Waived with $10,000 min daily balance |
None |
| FREE Online & Mobile Banking Access | X | X | X | X |
| FREE Chip-Enabled VISA Debit Card | X | X | X | X |
| FREE Withdrawals at ATMs | 6 | 6 | 6 | 6 |
| SURCHARGE FREE Access to over 55,000 Allpoint ATMs worldwide | X | X | X | X |
Call, visit a branch, or apply online to select the business checking accounts that best fits your needs.
To complement your Patriot business checking, members also have access to these additional services so you can better manage your money:
- Free access to eBranch Online Banking
- Free online account statements
- Access to any of our 10 branches throughout Chambersburg, Shippensburg, Waynesboro, Hagerstown and Frederick Maryland
- Signature Guarantee Services
- Notary Services
- Signature Validation Services
- Night Depository
- Wire Transfers
- Safe Deposit Box rentals
- Business Mobile Deposit and Batch Remote Deposit
- Business ACH
- Deposits available immediately with our live transaction system*
- Credit Cards instantly issued – no more waiting for a new credit card in the event of a lost, misplaced, or compromised card. Now, you can drop by any of the following branches and have a new card issued instantly: Wayne Avenue (Chambersburg), Lincoln Way East (Chambersburg), Waynesboro Financial Services Center (WFSC), Federal Street (Chambersburg), Shippensburg, North Pointe (Hagerstown), Robinwood (Hagerstown), and Ballenger Creek (Frederick).1
Open a Business Checking Account at Patriot Federal Credit Union
Do your business banking in the same place you do your personal banking. No hoops to jump through, just a credit union that cares about investing in the community we’re in. Visit one of our credit union offices in Chambersburg, Shippensburg, Waynesboro, Hagerstown, MD or Frederick, MD to learn more about how Patriot can help your business today!
Ready to open an account?
Our business account checklist will help you gather the documents you’ll need to open a business account based on your business type.
* Patriot Federal Credit Union reserves the right to place deposited funds on a temporary hold at our discretion.
1Non-issuing branches (Letterkenny and Gateway) can take care of any needed card maintenance. Thereafter, you have the option of receiving your new card through the mail or stop in same-day to any of our seven “issuing” branches to have your card printed on the spot.