Frequently Asked Questions

Here you’ll find answers to questions that are commonly asked. Of course, we welcome the opportunity to speak with you personally anytime; however, we hope this section serves you when the need arises for a quick answer to your question.

About Patriot Federal Credit Union

Who is Patriot Federal Credit Union?

Originally formed as Letterkenny Federal Credit Union, Patriot Federal Credit Union has been helping members achieve financial success in our community since 1965. Patriot is a not-for-profit financial cooperative, democratically owned and run by its members. The credit union is governed by member-volunteers elected to the Board of Directors by the membership. The day-to-day operations are managed by experienced financial professionals under the leadership of Ronald Celaschi, Chief Executive Officer.

Patriot Federal Credit Union is a Community Chartered credit union. A community charter permits a field of membership that is geographic-based rather than sponsor-based. You are eligible to join if you live, attend school, worship, work or even if you regularly conduct business in Franklin County (PA); Frederick County (MD); Washington County (MD) and the Eastern Panhandle of West Virginia – Berkeley, Jefferson, and Morgan Counties. Your Credit Union membership is for life, regardless of whether you change jobs, move or retire. Wherever you go or whatever you do, you can access your financial products and services at Patriot Federal Credit Union by mail, phone, fax, e-mail, Internet or through a network of nationwide ATMs.

Patriot Federal Credit Union is chartered by the federal government and regulated by the National Credit Union Administration (NCUA). Member deposits are federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000. With assets in excess of a billion dollars, Patriot Federal Credit Union has nine branch office locations through which it serves more than 77,000 members.

Why should I bank with you?

We are committed to serving all your financial needs and developing a solid, long-term relationship that will help you through every phase of your life. We will continue to earn your trust every day through quality products and services, convenient points of access and knowledgeable, friendly service.

Our financial products and services are great! Organized to meet your financial needs, Patriot Federal Credit Union offers a full line of savings and loan services, including mortgages. Members enjoy competitive savings rates, attractive loan rates, and low or no fee services.

Members have access to convenience through a variety of automated services which provide accessibility to their credit union accounts from home, office, or just about anywhere with their smartphone. For example, Patriot members have the ability to open a membership, apply for a loan and open share accounts on our website. Or they can access their accounts through SMART-Line, a 24-hour audio response system; SMART-Pay, a 24-hour bill payer service; eBranch (online banking) and Patriot Mobile (mobile banking) including mobile deposit. Members can also choose traditional personal face-to-face at a local branch or phone access to our contact center to speak directly to a personal representative to give you quick responses to your questions and concerns.

Patriot has become one of the largest credit unions in the state of Pennsylvania. Management leadership, staying current with technology, employee education, recruitment and training of volunteers, and the cooperative efforts of the total credit union “family” have been important contributing factors toward the successful growth of Patriot Federal Credit Union.

How are you different from a local bank in my home town?

Patriot is different than a bank, whether it is a local one or mega bank. In fact, we like to think we do it better than a bank. At Patriot Federal Credit Union, you’re more than an account number or a customer – you’re an owner! We have no stockholders to pay, resulting in higher dividend rates on deposit accounts, minimal fees and lower interest rates on loans to the members (owners).

Headquartered in Chambersburg, PA, Patriot and its employees support community initiatives and local events. And all of our decisions are made locally.

Where are you based?

Our headquarters is located in Chambersburg, PA with branch offices and ATMs in Franklin County (PA), Frederick County (MD), Fulton County (PA), and Washington County (MD). You are eligible to join, if you live, attend school, worship, work or even if you regularly conduct business in Franklin County (PA); Frederick County (MD); Washington County (MD) and the Eastern Panhandle of West Virginia – Berkeley, Jefferson, and Morgan Counties.

How do I know my information/funds are safe?

Patriot has some of the most advanced and latest technology available in the industry. All of our vendors and products that we implement go through an intense due diligence process that adheres to government regulations including GLBA. While we don’t divulge information on specific security measures we deploy, we can tell you that we are constantly updating, evaluating, testing, monitoring and implementing new security technology to protect member our member’s funds and information.

We are also audited and tested by third parties to ensure our security measures meet the federal requirements and recommendations. Also, member deposits are federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000. Your information/funds are safe and secure with Patriot Federal Credit Union. However, we encourage members to stay alert and act responsibly to protect their personal and financial information.

Do you disclose any of my information?

No, we do not sell or release any of your personal information to anyone except as permitted by law. For instance, if you order checks, we will need to give your name and address to the check printing company. Or we may need to release your personal information for legal reasons like tax liens, garnishments, or subpoenas. If you have questions, please refer to our privacy policy or contact us to speak with a representative.

About Our Accounts

Opening An Account

Can I become a member?

You are eligible to join Patriot Federal Credit Union if you live, attend school, worship, work or even if you regularly conduct business in Franklin County (PA); Frederick County (MD); Washington County (MD) and the Eastern Panhandle of West Virginia – Berkeley, Jefferson, and Morgan Counties. Your Credit Union membership is for life, regardless of whether you change jobs, move, or retire.

How long does it take to open an account with you?

Once you have established your eligibility for membership, you can apply on-line or stop into your local branch office to open an account with us. The process is fast, convenient and easy. In order to properly identify you we do require your social security  number and a valid government issued photo ID with the current address. If your photo id does not have a current address we will need a monthly bill or lease with the current address. If you apply on-line we will respond to the request within 1 business day.

What do you need from me to open an account?

In order to properly identify you we do require your social security number and a valid government issued photo ID with the current address. If your photo id does not have a current address we will need a monthly bill or lease with the current address.

How much money do I need to open an account?

If you’re not a member, you will need to first establish membership by opening a Share Savings Account with as little as $5.00. Your $5.00 deposit immediately entitles you to take advantage of the wide array of products and services Patriot. Our various other shares have varied minimum amounts to open depending on the type of share.

How do I fund my new account?

The most common way to fund a new account is to make a cash deposit, write a check, or transfer money from an existing Patriot account when in person. If opening the account on-line you can mail a check to fund the account or use a debit or credit card.

What is the routing number for Patriot Federal Credit Union?

The routing number for Patriot is 231379979.

Can I earn interest on my money?

Members can earn dividends (similar to interest) on a variety of their share accounts including savings, money markets, Dividend Checking and certificates including IRAs.

Is there a monthly maintenance fee associated with active accounts?

Many of the share accounts we offer are FREE or have a minimal fee associated.

Using Your Account

Where can I get cash?

You can visit any of our local branch offices or you can get cash from virtually any ATM worldwide! You can also get cash from any merchant that allows cash-back transactions with your Patriot VISA® Debit Card.

How can I make deposits into my account?

We offer a wide variety of ways to make deposits to your account. You can visit a local branch or drive-thru, deposit thru an ATM that accepts deposits, set up a direct deposit or a monthly recurring electronic deposit from another financial institution, mail a check, wire funds or use our mobile deposit feature.

When will deposits show up in my account?

Direct Deposits, Wire Transfers, and In-House Transfers are available upon receipt Of course, we have no control over the mail, but deposits that are mailed to us are deposited into your account the day we receive them. Sometimes a hold is placed on a deposit containing checks until the checks clear. In this case, the deposit is reflected in your “Current Balance” until the hold is released. Then the deposit is reflected in your ‘Available Balance’ for your immediate use.

How often is my account updated?

Patriot systems are live so the account is updated as transactions happen.

How do I check my balance?

You can check your balance anytime by using online banking, mobile banking, Smart-line, contacting us via phone or stopping into a branch office. You can also check your balance at an ATM.

How do I know what debits (charges) or credits (deposits) have been posted to my account?

You can check your account transactions anytime by using eBranch (online banking), Patriot Mobile (mobile banking), SMARTLine (telephone banking), contacting us via phone or stopping into a branch office.

Can I transfer money between accounts?

Yes. You have more flexibility than ever before. You can transfer money between your Patriot accounts using eBranch (online banking), Patriot Mobile (mobile banking), SMARTLine (telephone banking), contacting us via phone or stopping into a branch office.

What is the difference between “Available Balance” and “Current Balance”?

“Current Balance” is the account balance. “Available Balance” includes deposits on hold, pending transactions that have been approved but not yet deducted from the account. These would be transactions performed with your debit card.

What if I need to place a stop payment on a check?

Stop Payments on checks can be placed online through eBranch, our online banking site, calling SMARTLine, contacting us and speaking with a representative or stopping into a branch office. Stop Payments for electronic transactions can only be placed by contacting us and speaking with a representative or stopping into a branch office.

What you need to know about Overdraft Protection Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction. Courtesy Pay allows you to overdraw your checking account up to $1,000 in order to pay for transactions. A $35 fee will be assessed for each transaction. There is no cost for Courtesy Pay if no overdrafts occur. If you are able to use Linked Account Transfers, Courtesy Pay can be used after linked account transfers have been exhausted. Patriot offers two options for you to protect your account.

Patriot’s Standard Courtesy Pay: Covers overdrafts from checks, ACH, and monthly recurring debit transactions up to $1,000.00. A $35.00 fee will apply to each item causing an overdraft. All debit and ATM transactions would be declined with no fee charged.

Patriot’s Courtesy Pay Plus: This plan covers what our standard courtesy pay covers, plus ATM, debit card, Point of Sale, and one time debits up to $1,000.00. A fee will apply to each item causing an overdraft.

If you are currently not enrolled in any of our Courtesy Pay plans, you are not covered, and therefore, ACH electronic payments and checks would be returned if the funds were not available and your debit card would be denied. You would be charged an NSF fee of $35.00 for each ACH electronic item or check that attempts to clear the account.

For Questions or to setup an Overdraft Protection Plan, stop by any of our offices or call our toll free number at 888-777-9982.

Monthly Statements

How often will I receive a statement?

You will receive a statement monthly unless you have a savings only and then the statement will be quarterly. You have the choice of either receiving your statement through the U.S. mail or electronically. If you choose to receive your statement electronically, you will be notified by email when it is available. You may choose to simply view it, print it or to download it.

What is Annual Percentage Yield (APY)?

The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.

How is the interest rate reported on my monthly statement?

The interest rate reported on your monthly statement is the Annual Percentage Yield (APY). Dividend Checking pays dividends monthly on daily balances up to $20,000. Maintaining balances larger than $20,000 will reduce the APY.

When does the monthly statement close on my account?

The monthly statement closes on the last business day of every month.

How can I set up Direct Deposit?

Simply provide your payroll office with the following information:

Patriot Federal Credit Union, 800 Wayne Avenue, PO Box 778, Chambersburg, PA 17201
Routing & Transit Number
Account Number
Indicate Savings or Checking

If you receive government funds (i.e. Social Security, SSI), you can stop by one of our convenient branches and our staff can assist you with the paperwork.

Transferring funds to another financial institution electronically

There are a number of ways to transfer money to another financial institution. Below are the options you have available and any fees that are involved with the transfer.

Recurring electronic transfer – A set amount that happens continuously. There is no fee for this service, we would just need a form filled out and signed.

Wire – a onetime electronic transfer. The fee is $25.00 and we would need a wire transfer agreement on file.

Bill Payer – We do offer transfers out to other financial institutions through our Bill Payer service online. You would need to enroll for Bill Pay and set up the account that you want to transfer to. Once the account is verified, you can then transfer out to that account for a fee of $3.00.

What information is needed for wire transfers?

Members can wire funds to and from their Patriot Federal Credit Union accounts for a nominal fee. To wire money to your account, simply provide the other institution with these instructions:

Incoming Wires

    • Wire to: Patriot Federal Credit Union, ABA# 231379979
    • Credit to: Your name and your 12 digit account number (found on the bottom of your checks)
    • We are unable to receive or send international wire transfers.


What are your fees and when are they assessed?

When applicable, fees will be assessed throughout the month and will appear on your regular monthly statements.

How many months of e-Statements will there be in my e-Statement library?

Once you enroll for e-Statements, your e-Statement library will hold 18 months’ worth of e-Statements that can be easily downloaded and accessed whenever you need them.

Are there fees for using ATMs?

There is no charge for using a Patriot owned ATM if you have an E-Plus, Reward, or Dividend checking account. Our Essentials checking account offers 6 free ATM withdraws monthly. There may be a nominal fee for using a non-Patriot ATM.

How do I order checks?

To re-order checks, you can order on-line by clicking on the “Check Order” link in eBranch, mail your re-order form found in your checkbook, contact us via phone and a representative will be happy to assist you or visit any Patriot branch and we can process your order. If ordering your checks for the first time please stop in to any branch or contact. member services at 888-777-9982.

How can I change my address with the Credit Union?

You can change your address on your eBranch account under “Other Services”, send us a secure message through eBranch or Mobile, visit any branch office or contact us via phone and we can mail out a form for signature.

Is there a penalty for paying off my loan early?

No. Patriot does not penalize members for paying off loans early.

How can I get free check copies Online?

You can access check copies through your eBranch online account by clicking on the link provided in your account history. All checks are not available on-line as many merchants are now converting checks to electronic drafts so we do not receive a copy of the original check to provide to you on-line.

About Patriot VISA® Debit Cards

How do I get a debit card (Debit Visa Card)?

Members with a checking account can request a debit card application by calling us at 888-777-9982 or by stopping by any Patriot branch. Debit cards are generally delivered by mail within 7-10 business days of the application being approved. You can also activate it at any store with a pin transaction.

How do I activate my new debit card?

You can activate your new debit or credit card by call our card activation line at 1-844-909-1630, available 24 hours a day, 7 days a week. Or you can use the card at any ATM with the PIN (Personal Identification Number).

Is there a fee for using my VISA® Debit Card?

Patriot does not charge any fees for using your VISA Debit Card to make purchases.  The only fee that we charge on debit cards is a $2.00 per cash withdrawal from an ATM not owned by Patriot beyond the number of transactions permitted by checking account type.* Patriot members are subject to ATM surcharges at non-Patriot ATMs, although Dividend Checking members will be reimbursed $1 per charge for any surcharge at an ATM. Patriot VISA Debit Card users are encouraged to access an ATM through our Allpoint surcharge-free network to avoid surcharges.

Where can I use my new VISA® Debit Card?

Anywhere VISA® is accepted and at virtually all ATM’s worldwide.

How does an ATM/debit card work?

A debit card, or check card, works like a credit card to make purchases wherever VISA is accepted. The ATM/debit card is attached to your primary Patriot checking account. You can choose to sign for your purchase or enter your PIN and you can use the card at ATMs to check account balances, withdrawal cash, transfer funds and more. Transactions are limited to available balances plus any linked account transfers.

How is debit card different than a credit card?

While a debit card is processed through the VISA system, it is not a credit card. The card works like a check – debit card purchases are deducted from your primary checking account instead of accessing a line of credit as they would in a credit card purchase.

Is there a limit on my VISA® Debit Card?

For your protection, there is a daily combined limit on your debit card of $2500,$520 for cash, $2,500 for credit (signature based) and $2,500 debit (pin based) purchases. When making deposits at an ATM the first $200.00 will be available immediately and the remainder will be put on a hold. If it is a Patriot ATM it will be a (1) day business hold, if it is a foreign ATM, it will be a (5) day business hold.

What if I want to get the limit on my VISA® Debit Card increased?

We will consider a temporary increase on your card to make special purchases. Please contact a representative during regular business hours by calling 888-777-9982.

When can I use my new VISA® Debit Card?

You can use your new VISA® Debit Card as soon as you receive and activate your card.

What’s the difference between “credit” and “debit” when it comes to using my VISA® Debit Card?

When you select “credit” the merchant will require a signature for your purchase (unless it is under $25.00) when you select “debit” the merchant will require you to enter a PIN for your purchase (without a signature) Patriot recommends that you select the “Credit” option instead of “Debit”. Here’s why:

      • Protection: Your purchases are protected by VISA’s rules and regulations that allow you to dispute charges improperly processed by merchants governing chargeback rights.
      • Lower costs: Patriot pays fewer fees per transaction which lowers our costs. By selecting “credit”, you’ll help the Credit Union provide lower loan rates and higher yields on savings and investment accounts!
      • Completeness: More complete merchant information is available with online banking when your purchases are processed as “credit”.


What account security measures are in place on my card?

Your card has several security features. For example, you’ll set a Personal Identification Number (PIN) when you receive your new VISA debit card. This private number is coded to access your card number only and gives you the added security against anyone else using your card. Patriot debit cards are embedded with microchips to give you an extra layer of security beyond regular debit cards

How do I report a lost or stolen VISA debit card?

If your card is lost or stolen, contact us immediately at the appropriate number: during regular banking hours, call 888-777-9982. After hours, call our automated service at 717-263-8247 or 800-847-2911. You can also access Card Controls on your Patriot Mobile App anywhere in the world, 24/7/365

  • Disable and enable your card in the event of a lost, misplaced, or stolen card
  • Set up travel notifications so your card never gets closed while you’re on vacation again
  • Order a replacement card
  • Mark your card as lost or stolen
  • Activate new debit or credit cards that you received in the mail

Can I use my VISA debit card in a foreign country?

Your VISA debit card can be used outside the United States. However, to prevent fraud certain countries have been blocked. We recommend that you contact us prior to travelling abroad to ensure your card will be accessible in the countries that you are planning to visit.

My debit card is going to expire soon. Do I need to do anything?

You should receive your new card in the mail about 1-2 weeks prior to the expiration date on your current card. Your debit card is valid through the end of the month that appears on the front of your card. If you don’t receive your new card within two weeks of your card’s expiration, or if your card has already expired, please call us at 888-777-9982.

How do I get a replacement for a damaged ATM/Debit Card?

If your card is damaged or not functioning properly, please contact us to request a replacement card. Please call 888-777-9982 or visit any Patriot branch during regular hours. Generally, it takes 7-10 business days for replacement cards to arrive in the mail. You can also visit one of the following branches and have a new debit card issued immediately: 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).

How do I dispute a charge on my debit card?

If you have a transaction that you need to dispute on your debit card, please contact us via phone or stop into a branch and a representative will be happy to assist you.

Which branches can instantly issue debit cards?

You can drop by any of the following branches and have a new debit card issued immediately: 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)

eBranch Home Banking (Online Banking)

Can I access my accounts from more than one computer?

You can access your accounts from multiple computers as long as the computer is connected to the Internet and has a browser with 128-bit security. Each computer is validated using multifactor authentication – meaning that all data is encrypted and secured with some of the highest level security available and helps ensure security of account information. You can rest assured that you can safely and securely pay bills and access your account at home, at work, or from a laptop.

How current is the online statement information?

When you connect to eBranch, you will receive information on all of your account activity. Our transactions are stored by the number of transactions, not a specific date range. The online information is current and displays all activity conducted through your account including electronic deposits, cleared checks, debit card purchases and transactions at ATMs.

How do I access my account online?

You can access eBranch (online banking) immediately upon joining the credit union. Simply enroll for eBranch online or contact us via phone for assistance in setting up your account. Once enrolled, you can then login in with your user name and password to access your accounts.

How do I access Online Bill Pay?

You may enroll for the Bill Payer service through your e-Branch online account. Select the Bill payment tab to verify your personal information and enter your tax ID (social security number) and submit. Please note you must have a checking account for access to this service.

How long does it take for bills to be paid online?

The earliest possible Scheduled payment date for each Biller (typically four (4) or fewer business days from the current date) will be designated with Bill Pay when scheduling a payment. Therefore, Bill Pay will not permit you to select a Scheduled payment date less than the earliest possible Scheduled Payment Date for each biller. When scheduling payments you must select a date that is no later than the actual due date reflected on your billing statement unless the due date falls on a non business day. If the actual due date falls on a non business day, you must select a payment date of at least 1 business day prior to the actual due date. Scheduled payment dates must be prior to any late date or grace period. Due to circumstances beyond control of Bill Pay, particularly delays in handling and posting payments by billers or financial institutions, some transactions may take longer to be credited to your account. Bill Pay will bear responsibility for any late payment related charges up to $50.00 should a payment post after its due date as long as the payment was scheduled in accordance with the guidelines described above.

Which bills will I be able to pay through Online Bill Pay?

You can pay almost anyone with a valid address in the United States from utilities to credit cards to your newspaper carrier. However, it is not recommended that payments for alimony, maintenance, child support, taxes, or other governmental fees and court-directed payments are made through this service and are done at your own risk.

How much does it cost?

eBranch, Bill Pay, SMARTLine and the Patriot Mobile app are all free services provided to you as a member of the credit union.

How secure is eBranch?

Patriot uses the latest security technologies to protect your data and information through e-BRANCH using multiple security levels. Specifically, e-BRANCH features password-controlled entry and Secure Socket Layer (SSL) protocol for data encryption and state-of-the-art firewall and multiple layers of protection.

What can I do with e-Branch?

You can check balances on all shares and loans, review account histories, transfer funds between accounts, reorder checks, issue stop payments on checks, update your personal information and communicate with Patriot directly through Contact Us. You will also have access to our Bill Pay Service and e-Statements.

What equipment and software will I need?

Access eBranch from any computer that has Internet access and a Web browser with 128-bit security, such as IE Version 11 or higher, Chrome Version 22 or higher, Android Version 5.0 or higher, Firefox Version 27 or higher, Safari 7 or higher recommended.

What if I forget my password?

If you forget your eBranch password, you can request a new password by clicking on “Forgot Password” as long as you have a current email address on file or you may call us at 888-777-9982 during regular business hours to have your password reset. You’ll be asked to provide additional personal information to verify your identity. Your password will then be reset and instructions to proceed will be sent to the email address that is on file with us. (It is very important to keep your email information up to date.)

Updating Security Questions

In order to change or update your security questions, please click on the Preferences Tab. On the left hand side of the screen choose “Change Security Settings”.

How do I access e-Statements?

In order to access e-statements you must be registered to receive your monthly statement electronically. To access your e-statement simply log in to your eBranch online account and select Statement located to the left of your computer screen. Please note you must enable pop ups within your browser.

Patriot Mobile (mobile banking)

Can I access my accounts from a mobile device (iPhone, iPad, Windows Phone)?

Patriot Mobile is available for your mobile device. Apps are available for iPhone and Android. Windows Phone users can access Patriot Mobile via the windows app store. Users of other mobile devices such as the iPad and iPod Touch can also access Patriot Mobile through the mobile web platform.

How do I enroll for Patriot Mobile (mobile banking)?

You will need to be enrolled in eBranch before visiting your app store. Then download the app from your app store, once downloaded enter the required information to enroll. For assistance, please contact us and a representative will be happy to assist.

Where do I get an app for mobile banking?

Apps are available for Android and iPhone. You can get the App in the Google Play Store (for Android) or the Apple App Store (for iPhone).

How much does it cost?

The Patriot Mobile app is free, but your wireless carrier’s data and message rates and applicable charges may still apply.

How secure is Patriot Mobile (mobile banking)?

The same 128-bit encryption utilized in our eBranch is employed on Patriot Mobile to help keep your information safe and secure. Our Patriot Mobile App does not store any personal or account information on your mobile device.

What can I do with mobile banking?

Just like eBranch, you can check balances, review account histories, transfer funds between accounts, pay bills, apply for a loan, access card controls and send us a secure message. You can also remotely deposit checks – just TAP, SNAP, and DEPOSIT with Mobile Deposit.

Patriot Mobile also offers some of the latest features in Mobile Banking for a better mobile banking experience including:

      • Quick Balance – see a snapshot of your account balances without signing in to Mobile Banking. And you can select which accounts you want to see.
      • Running Balance – a running account balance is now displayed for each account transaction.
      • Fingerprint Authentication – securely log in to your Mobile Banking account without entering your password. Log in to your Mobile Banking account to turn on this feature. (Not all phones are enabled with technology to accept Fingerprint Authentication.)

What phones or mobile devices are supported by mobile banking?

The Mobile Banking App is currently available for Android and iPhone. However, you can access Mobile Banking from any web-enabled mobile device such as Windows Phone, iPad and iPod touch via the mobile web platform.

How do I set up Alerts on the mobile app?

To access the Alerts you must log into what we call the WAP side of the App. Select our mobile App on your phone, click on Enroll scroll down and click on Login. The login page will open on the WAP side and you can then proceed with logging in as normal Enter your username and password then the SMS settings and Alerts along with other services are located under the balances just scroll down a little.

Online Account Opening

What types of accounts can I open online?

Members and prospective members can apply to open share savings, checking, money market and certificates online. In addition, borrowers can apply for auto loans, personal loans, home equity loans and lines of credit, mortgages, and more using our online application service.

What information do I need to open an account online?

In general, you will need to have the following information available: social security number, driver’s license number, and current address.

Patriot Checking Accounts

Are the funds in my share accounts insured?

Yes, member deposits are federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000. For more information about NCUSIF insurance coverage of transaction accounts, visit or contact us to speak with a representative.

Not all of my debit card transactions are being counted. Why is that?

The debit card transactions must be signature based also known as ‘swipe’ or ‘swipe and sign’ to qualify for ePlus and Rewards Checking accounts. If you used a PIN number when making the transaction it will not count as one of your qualifying transactions nor will the purchase amount be applied towards the Cash Back reward.

I have an ePlus Checking account, can I switch to Reward Checking?

Yes, you may change. Just give us a call or visit a branch.

Will my joint account holder have the same access and will we be able to earn cash rewards together on the same checking account?

Yes, your joint account holder can help you earn rewards simply by using their VISA debit card to swipe and sign for purchases just as you do. Your cumulative purchase amounts will count toward your monthly qualifying transactions each month.

Can I have more than one Dividend Checking account?

You may have one Dividend Checking accounts per primary social security number, however, you must meet the minimum requirements of each account independently.

How will cash rewards impact my tax reporting?

Rewards earned through debit card use are considered the same as dividends earned and will be included in your annual tax statement. ATM refunds are not taxable (on dividend checking).


How can I apply for a consumer or personal loan?

Apply in person at any Patriot branch, contact us via phone to speak with a lender or apply online, today!

How long will it take to get an answer on my loan request?

When using our online application process, you will receive a conditional answer within minutes of completing your application. For applications made in person, we can give you an answer by the end of the day if not sooner in most cases.

What types of loans do you offer?

We offer a variety of loans including First Mortgage, home equity loans and lines of credit, second mortgages, mobile homes, travel trailer, camper, RV, motor home, Automotive, boat, motorcycle, snowmobile, ATV, lawn & garden equipment, and other personal loans including signature loans, lines of credit, and VISA credit cards.

Can I make my loan payment on-line?

For access to our loan payment center please visit, Pay your Patriot Loan, and then select *Payment Center*. First time users must register. The system will have you enter your personal information and create a username and password.  We also accept payments via phone at 888-777-9982.  Refer to the rate sheet for any applicable fees.

About Member Service

At Patriot Federal Credit Union you will find we are committed to serving all your financial needs and developing a solid, long-term relationship that will help you through every phase of your life. With a constant eye to new technology and opportunities to bring you better rates and services, you can rest assured you’re getting the best financial partner to be found anywhere. Ask us today about how we can help.

When can I talk to someone in Member Service?

You can call our Contact Center at 717-263-4444 or toll free 888-777-9982 Monday through Thursday 8:00 a.m.-6:00 p.m., Friday from 8:00 am-7:00 pm, and Saturday from 8:00 am until 1:30 p.m. If you wish to contact us electronically, you may contact us online through our secure online messaging system. The secure messaging system requires registration with an email address to be notified when your reply is posted. Registered online banking customers can log in to our website to use the message option found on the account page. This is a secure email system between the member and the credit union. Using either of these methods assures you of the utmost security.

Who do I call to report my lost or stolen VISA Credit Card?

To report a Lost or Stolen VISA Credit Card, call 1-800-234-5354. If calling from outside the U.S., call 1-314-275-6690. You can also use Card Controls to report your card as lost or stolen.

What are your operating hours?

Please refer to ‘Locations’ on our home page for a complete listing of lobby and drive-thru hours for each of our locations. You can check your balance or transfer money into or out of your account(s) online 24/7 use our 24/7 SMARTLine, eBranch (online banking) or Patriot Mobile (mobile banking). If you need to talk to someone about any account questions you can call our Contact Center at 717-263-4444 (Franklin/Fulton County), 301-766-7328 (Washington County), or toll free 888-777-9982 or use our secure online messaging system online.

How do I contact you?

If you wish to contact us electronically, registered online members have the option of sending us a secure message from e-branch under the “Contact Us” tab, mobile users can send us a message through the mobile app, you can email us directly at [email protected] or Patriot’s Contact Center is available by phone Monday through Thursday, 8:00 a.m.-6:00 p.m., Friday from 8:00 am-7:00 pm, and Saturday from 8:00 am until 1:30 p.m. In Franklin County (PA) call 717-263-4444; in Washington County (MD) call 301-766-7328; or call us toll free at 888-777-9982.