{"id":2510,"date":"2023-08-18T16:26:33","date_gmt":"2023-08-18T23:26:33","guid":{"rendered":"https:\/\/patriotfcu2.wpengine.com\/faqs\/"},"modified":"2026-02-26T12:36:13","modified_gmt":"2026-02-26T17:36:13","slug":"preguntas-frecuentes","status":"publish","type":"page","link":"https:\/\/www.patriotfcu.org\/es\/faqs\/","title":{"rendered":"Preguntas Frecuentes"},"content":{"rendered":"
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\n\t\t\t\t\t\tPreguntas Frecuentes\t\t\t\t\t<\/h1>\n\t\t\t\t\t

Encuentre respuestas a sus preguntas frecuentes.<\/p>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/header>\n\n\t<\/div>\n<\/div>\n\n\n

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Estamos aqu\u00ed para ayudar.\n\t\t\t\t\n\t\t\t\t\t<\/path>\n\t\t\t\t<\/svg><\/h2>

Encuentre la informaci\u00f3n que busca sobre Patriot y sus cuentas.<\/p>\n<\/div>\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n

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\n\t\t\t\tMen\u00fa de p\u00e1gina<\/button>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\tAcerca de Patriot \t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\tCuentas\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\tCambio de red de cajeros autom\u00e1ticos Allpoint\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\tSeguridad de cr\u00e9dito e identidad\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\tBanco en l\u00ednea y m\u00f3vil\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\tControles de tarjeta\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/nav>\n\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n
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Acerca de Patriot\n\t\t\t\t\n\t\t\t\t\t<\/path>\n\t\t\t\t<\/svg>\n\t\t\t<\/h2>\t<\/header>\n\t\t
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\n\t\t\t\t\t\n\t\t\t\t\t\t\u00bfCu\u00e1l es el n\u00famero de ruta de Patriot Federal Credit Union?<\/span>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<\/button>\n\t\t\t\t\t
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El n\u00famero de ruta para Patriot es 231379979.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\n\t\t\t\t\t\t\u00bfEn qu\u00e9 te basas?<\/span>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<\/button>\n\t\t\t\t\t
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Nuestra sede est\u00e1 ubicada en Chambersburg, PA, con sucursales y cajeros autom\u00e1ticos en el condado de Franklin (PA), el condado de Frederick (MD), el condado de Fulton (PA) y el condado de Washington (MD). Usted es elegible para unirse si vive, asiste a la escuela, practica culto, trabaja o incluso si realiza negocios regularmente en el condado de Franklin (PA); Condado de Frederick (MD); Condado de Washington (MD); y el Panhandle oriental de Virginia Occidental: los condados de Berkeley, Jefferson y Morgan.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\n\t\t\t\t\t\t\u00bfEn qu\u00e9 se diferencia de un banco?<\/span>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<\/button>\n\t\t\t\t\t
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Patriot es diferente a un banco, ya sea local o un megabanco. De hecho, nos gusta pensar que lo hacemos mejor que un banco. En Patriot Federal Credit Union, usted es m\u00e1s que un n\u00famero de cuenta o un cliente: \u00a1es un propietario! No tenemos accionistas a quienes pagar, lo que resulta en tasas de dividendos m\u00e1s altas en las cuentas de dep\u00f3sito, tarifas m\u00ednimas y tasas de inter\u00e9s m\u00e1s bajas en los pr\u00e9stamos a los miembros (propietarios).<\/p>\n

Patriot y sus empleados apoyan iniciativas y eventos comunitarios en todos nuestros mercados, y todas nuestras decisiones se toman localmente.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\n\t\t\t\t\t\t\u00bfPor qu\u00e9 deber\u00eda realizar operaciones bancarias con usted?<\/span>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<\/button>\n\t\t\t\t\t
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Estamos comprometidos a satisfacer todas sus necesidades financieras y desarrollar una relaci\u00f3n s\u00f3lida y de largo plazo que lo ayudar\u00e1 en cada fase de su vida. Continuaremos gan\u00e1ndonos su confianza todos los d\u00edas a trav\u00e9s de productos y servicios de calidad, puntos de acceso convenientes y un servicio amigable y experto.<\/p>\n

\u00a1Nuestros productos y servicios financieros son geniales! Organizada para satisfacer sus necesidades financieras, Patriot Federal Credit Union ofrece una l\u00ednea completa de servicios de ahorro y pr\u00e9stamo, incluidas hipotecas. Los miembros disfrutan de tasas de ahorro competitivas, tasas de pr\u00e9stamo atractivas y servicios con tarifas bajas o gratuitas.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\n\t\t\t\t\t\t\u00bfRevelan parte de mi informaci\u00f3n?<\/span>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<\/button>\n\t\t\t\t\t
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No, no vendemos ni divulgamos su informaci\u00f3n personal a nadie, excepto seg\u00fan lo permita la ley. Por ejemplo, si solicita cheques, necesitaremos proporcionar su nombre y direcci\u00f3n a la empresa de impresi\u00f3n de cheques. O es posible que necesitemos divulgar su informaci\u00f3n personal por motivos legales, como embargos fiscales, embargos o citaciones. Si tiene preguntas, consulte nuestra pol\u00edtica de privacidad<\/a> o cont\u00e1ctenos para hablar con un representante.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\n\t\t\t\t\t\t\u00bfC\u00f3mo s\u00e9 que mi informaci\u00f3n\/fondos est\u00e1n seguros?<\/span>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<\/button>\n\t\t\t\t\t
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Patriot cuenta con algunas de las tecnolog\u00edas m\u00e1s avanzadas y recientes disponibles en la industria. Todos nuestros proveedores y productos que implementamos pasan por un intenso proceso de diligencia debida que cumple con las regulaciones gubernamentales. Si bien no divulgamos informaci\u00f3n sobre las medidas de seguridad espec\u00edficas que implementamos, podemos decirle que estamos constantemente actualizando, evaluando, probando, monitoreando e implementando nueva tecnolog\u00eda de seguridad para proteger los fondos y la informaci\u00f3n de nuestros miembros.<\/p>\n

Tambi\u00e9n somos auditados y probados por terceros para garantizar que nuestras medidas de seguridad cumplan con los requisitos y recomendaciones federales. Adem\u00e1s, los dep\u00f3sitos de los miembros est\u00e1n asegurados a nivel federal por el Fondo Nacional de Seguro de Acciones de Cooperativas de Cr\u00e9dito (NCUSIF) hasta $250,000. Su informaci\u00f3n y sus fondos est\u00e1n seguros con Patriot Federal Credit Union. Sin embargo, animamos a los miembros a mantenerse alerta y actuar responsablemente para proteger su informaci\u00f3n personal y financiera.<\/p>\n

Por trig\u00e9simo a\u00f1o consecutivo, Patriot Federal Credit Union ha recibido la codiciada calificaci\u00f3n de 5 estrellas de Bauer Financial. Obtenga m\u00e1s informaci\u00f3n en nuestro Blog<\/a>.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\t<\/div>\n<\/div>\n\n\n

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Cuentas\n\t\t\t\t\n\t\t\t\t\t<\/path>\n\t\t\t\t<\/svg>\n\t\t\t<\/h2>\t<\/header>\n\t\t
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\n\t\t\t\t\t\n\t\t\t\t\t\t\u00bfQu\u00e9 necesitas de m\u00ed para abrir una cuenta?<\/span>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<\/button>\n\t\t\t\t\t
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Para identificarlo adecuadamente, requerimos su n\u00famero de Seguro Social\/TIN y una identificaci\u00f3n con fotograf\u00eda v\u00e1lida emitida por el gobierno con la direcci\u00f3n actual. Si su identificaci\u00f3n con fotograf\u00eda no tiene una direcci\u00f3n actual, necesitaremos una factura mensual o un contrato de arrendamiento con la direcci\u00f3n actual.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\n\t\t\t\t\t\t\u00bfCu\u00e1nto dinero necesito para abrir una cuenta?<\/span>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<\/button>\n\t\t\t\t\t
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Si no es miembro, primero deber\u00e1 establecer la membres\u00eda abriendo una cuenta de ahorros compartidos con tan solo $5.00. Su dep\u00f3sito de $5.00 le da derecho inmediatamente a aprovechar la amplia gama de productos y servicios de Patriot. Nuestras otras acciones tienen montos m\u00ednimos variados para abrir seg\u00fan el tipo de acci\u00f3n.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\n\t\t\t\t\t\t\u00bfCu\u00e1nto tiempo lleva abrir una cuenta con usted?<\/span>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<\/button>\n\t\t\t\t\t
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Una vez que haya establecido su elegibilidad para ser miembro, puede presentar su solicitud en l\u00ednea o visitar su sucursal local para abrir una cuenta con nosotros. El proceso es c\u00f3modo y sencillo.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\n\t\t\t\t\t\t\u00bfExiste una tarifa de mantenimiento mensual asociada con las cuentas activas?<\/span>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<\/button>\n\t\t\t\t\t
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Muchas de las cuentas de acciones que ofrecemos no tienen una tarifa de mantenimiento mensual asociada. Si abre una cuenta con una tarifa de mantenimiento mensual, esto se informar\u00e1 al abrir la cuenta.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\n\t\t\t\t\t\t\u00bfC\u00f3mo deposito fondos en mi nueva cuenta?<\/span>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<\/button>\n\t\t\t\t\t
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La forma m\u00e1s com\u00fan de financiar una cuenta nueva es realizar un dep\u00f3sito en efectivo, emitir un cheque o transferir dinero desde una cuenta Patriot existente en persona. Si abre la cuenta en l\u00ednea, puede enviar un cheque por correo para financiar la cuenta o usar una tarjeta de d\u00e9bito o cr\u00e9dito.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\n\t\t\t\t\t\t\u00bfPatriot ofrece contadoras de monedas en las sucursales?<\/span>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<\/button>\n\t\t\t\t\t
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Aunque no tenemos contadoras de monedas disponibles en nuestras sucursales, \u00a1con gusto le ayudamos a convertir su cambio en efectivo como un servicio para nuestros socios! Ofrecemos rollos de monedas para que pueda clasificar y enrollar f\u00e1cilmente sus monedas en casa y luego traerlas para depositarlas o cobrarlas.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\t<\/div>\n<\/div>\n\n\n\n\n

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\u00bfNo encuentras lo que buscas?\n\t\t\t\t\n\t\t\t\t\t<\/path>\n\t\t\t\t<\/svg>\n\t\t\t<\/h2>

Estaremos encantados de ayudarle. Comun\u00edquese con nosotros o visite la sucursal local m\u00e1s cercana.<\/p>\n<\/div>\t<\/header>\nCont\u00e1ctenos<\/a>Encuentra una sucursal cercana<\/a>\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n

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Divulgaciones<\/h2>\n\t\t
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  • \n\t\t\t\t\t\t\t\t\n\t\tNCUA<\/title>\n\t\t\n <path fill=\"#022164\" d=\"M100.684 43.343v-.3a1.549 1.549 0 0 0 .172.018c.166 0 .207-.088.248-.225l.043-.131-.623-1.637h.4l.434 1.229h.006l.414-1.229h.381l-.641 1.732c-.119.3-.2.563-.582.563a1.7 1.7 0 0 1-.252-.02Zm-7.24-.492h.363c.047.207.213.238.4.238a.37.37 0 0 0 .422-.416v-.254h-.006a.559.559 0 0 1-.492.289c-.523 0-.736-.391-.736-.865a.754.754 0 0 1 .742-.818.519.519 0 0 1 .486.268h.006v-.227h.361v1.561c0 .492-.291.734-.807.734-.335 0-.708-.125-.74-.51Zm.309-.973c0 .273.131.547.428.547.326 0 .445-.3.445-.57s-.131-.545-.445-.545-.429.297-.429.568Zm-32.768 1.139a.3.3 0 0 0 .207-.309h-.225v-.426h.445v.426a.509.509 0 0 1-.428.5Zm11.313-1.439a1.1 1.1 0 0 1 1.09-1.187.888.888 0 0 1 .967.771h-.385a.539.539 0 0 0-.582-.451c-.486 0-.693.434-.693.867s.207.865.693.865a.577.577 0 0 0 .635-.623h-.6v-.3h.965v1.191h-.254l-.061-.266a.816.816 0 0 1-.682.32 1.094 1.094 0 0 1-1.094-1.187Zm-3.854.379h.4c0 .35.262.486.576.486.35 0 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