Credit Card Update

Frequently Asked Questions (FAQs)

To better serve you, Patriot is making changes to our credit card program. Below you will find some frequently asked questions (FAQs) and answers. Please check this page regularly as information and updates are being added on a weekly basis.  If you have any questions or need assistance, please call our contact center at 888-777-9982.


Q. Why are changes being made to my credit card?

A.  For several years, Patriot has partnered with TMG to provide credit card services to our members. Effective August 24, 2018, we will make changes to the program to service credit cards in house. This will enable members to access their credit card account information through our eBranch and Patriot Mobile channels – just one log-in to access all of your account information at Patriot.

Q. What are the benefits of having my credit card information in Patriot Mobile and eBranch?

A. Cardholders will be able to view account activity and historical activity, transfer from their Patriot checking or savings to make payments, and more. Starting July 6, when cardholders log into eBranch or Patriot Mobile, they will notice that some previous statements have already been uploaded. This process is expected to be completed by July 25, at which time 18 months of historical statements will be accessible in eBranch and Patriot Mobile.


Q. Will I be issued a new credit card?

A. While a new vertical card design is being introduced, existing credit cardholders will not be receiving this new design right away. In general, new credit cards will be distributed gradually with members receiving the vertical design cards just before their existing credit card expires.

Q. I just received a new card, even though my current card is not set to expire until September 2018. Do I need to take action?

A. If your existing Patriot credit card is set to expire between July and September 2018, you will be re-issued your card in July 2018. Your new card will have the same card number, however, the CVV and expiration date will change.  While most merchants participate in VISA Account Updater (VAU), which automatically updates this information, not all merchants are enrolled in this program.  We suggest that you check your account for any pre-authorized drafts to ensure that they remain in place.

Q. How do I reset my automatic payments to billers with my new credit card?

A. Although the re-issued cards will have a new CVV and expiration date, VISA Account Updater (VAU) will automatically provide this new information to all merchants enrolled in the VAU program. While you should not need to notify merchants at which you have a pre-authorized draft established, we recommend that you monitor your account to ensure that any pre-authorized debits remain intact.


Q. Will I be able to access previous credit card statements and view transactions conducted on my old credit card?

A.  Yes, beginning July 25, cardholders will have access to up to 18 months of historical statements in eBranch and Patriot Mobile.

Q. During the transition from the current partner to servicing to in-house, how will new credit card applications be impacted?


  • New Joint Account applicants through August 10 will receive the regular credit card. By the end of September, they will be sent a new card.
  • New Single Account applicants through August 10 will get the regular credit card. While members can continue to use this card until it expires, please note that the member service phone number at the back of card will change effective August 22 to 888-803-4913.
  • New Single Account applicants after August 10 will be sent their credit card no earlier than August 22.

Q. How does this impact my member service options?

A. Effective August 22, 2018, please call 888-803-4913 for card services. To report a lost or stolen credit card, please call 888-803-4912.


Q. Are there any changes to the card user agreement?

A.  The general terms and conditions of your credit card will not change as a result of the re-issue, unless specifically notified by Patriot elsewhere.

Q.  I have existing convenience checks, can I continue to use them?

A.  Current cardholders who have convenience checks should use them before July 31 or destroy them. These checks will no longer be valid or accepted after that date.  If you would like to have convenience checks, they will be available upon request after August 24.

Q. What value-added features will the credit cards offer?

A.  Our new VISA consumer credit cards will offer the following value-added features:

  • Purchase Security
  • Extended Warranty Protection
  • Auto Rental Collision Damage Waiver,
  • Travel & Emergency Assistance Service and
  • Travel Accident Insurance