Online Banking & Mobile App Upgrade
Fraud Awareness
We are seeing an increase in scams, especially during our upcoming digital banking upgrade, as fraudsters may try to use this change to trick you into sharing sensitive information. Please remember, Patriot will never contact you unexpectedly to ask for usernames, passwords, account numbers, or verification codes. If you receive a suspicious call, text, or email, do not respond—hang up, delete it, and contact us directly using the number on patriotfcu.org.
A Fresh New Digital Banking Experience is Coming June 2nd, 2026
We’re thrilled to share that on June 2nd, 2026, Patriot will launch an upgraded Online Banking platform and Mobile App—bringing you a faster, more modern, and more secure way to manage your finances. We’re incredibly excited about this enhancement and the improved experience it will deliver for our members.
What’s New?
- Streamlined, modern navigation
- Increased online banking timeout to 5 minutes to reduce false logouts
- Enhanced security protections, including passkeys
- Security images, phrases, and challenge questions are being replaced with one-time passcode (OTP) multi-factor authentication (MFA)
- First-time sign-in on a new browser or device will require OTP verification
- A consistent experience across mobile and online banking, with the same menu and services (mobile deposit remains available in the app on
What’s New in the Mobile App?
- Security and account alerts
- Stop payments
- Hide and sort account options
- Recurring transfers
What’s New in Online Banking?
- Card controls
- Financial calculators
- Locations and hours
What to expect at first login:
When logging into the Mobile App on or after June 2nd for the first time, you will be prompted to update your Patriot Mobile App to ensure you have access to the newest features and enhancements. If you have automatic updates enabled on your device, this may happen automatically without any action needed.
What you can do now to prepare:
- Know your password: If your password is currently saved and auto-filled on your device, you’ll need to enter it manually after the upgrade.
- Verify your contact information: Make sure your email address and phone number are up to date so you can receive important updates or reset your password if needed.
- Log in to Online Banking and navigate to Settings > Contact Information to review and update your details.
- To ensure a smooth transition, please confirm your device meets the minimum requirements:
- iOS 16 or higher (iPhone 8 or newer)
- Android 12 or higher
A few important changes to note
- Passwords will no longer be saved directly within the app.
- You can choose to log in using a passkey, Face ID, or fingerprint (biometrics), or continue entering your password manually.
- If you currently use biometrics, those settings will carry over to the new app.
- Utilize patriotfcu.org to access online banking by clicking Login in the top right hand corner, the website address will be changing.
- The Mobile App will no longer be available on wearable devices.
We invite you to stop by any branch—our team is eager and excited to assist you through this transition and help you make the most of these new features.
We’re confident this upgrade will provide a more secure and user-friendly digital banking experience, and we can’t wait for you to experience it!
Stay tuned for more updates as we get closer to launch!
Online Banking Digital Upgrade FAQs
The Patriot Mobile App requires an operating system of iOS 16 or higher (iPhone 8 or newer) and Android 12 or higher. Please check your phone settings.
Online and Mobile Banking now offer three options for login authentication: password, biometrics, or passkey. Each option provides unique benefits to suit different needs and preferences.
1. Username and password – This method requires members to manually input their username and password each time they log in.
2. Biometrics – Available only for mobile banking, this method allows members to use the unique physical traits captured by their device (like a fingerprint or face ID) to authenticate their identity. This method offers a high level of security and convenience, as it eliminates the need to remember or manually input passwords. If a member changes their password, they will need to re-enter it for biometrics to work again.
3. Passkey – a passkey is a cryptographic key – a unique digital code that securely identifies a member. Members do not need to memorize a passkey, as their device manages the storage and application of passkeys. This authentication method can be used for both mobile and online banking. If a member changes their password, the passkey will still work without interruption.
We have updated our login and retrieval settings to enhance security. As such, we have removed several features that are no longer standard practice in the industry.
We have updated our login and retrieval settings to enhance security. As such, we have removed several features that are no longer standard practice in the industry.
We have updated our login and retrieval settings to enhance security. As such, we have removed several features that are no longer standard practice in the industry.
The link within the Password Reset email has been replaced with one-time PIN multifactor authentication (OTP MFA) via selected delivery method. When requesting a password reset, members will receive this OTP MFA. Members will then be prompted to key in the 6-digit OTP MFA within their mobile app or browser. Members will still receive the Password Reset email; however, it will only be a confirmation email stating the password has been reset.
With the upgrade, members may have to go back into the settings and Enable Quick Balance; however, Quick Balance is not compatible if the member logs in with a passkey.
Patriot’s contact information and routing number can be found in the About section of the Settings menu.
Members have three options for alerts to be delivered: Email, SMS, and Push Notifications. All alerts will be delivered via the selected method.
Contact Center Extended Hours: June 2–4
Our Contact Center will be open an additional hour from June 2–4 to assist with any questions related to the update.
Service Areas Phone Numbers
Chambersburg, PA: 717-263-4444
Hagerstown, MD: 301-766-7328
Frederick, MD: 301-880-8027
Martinsburg, WV: 304-305-8001
Toll Free: 888-777-9982
Contact Center Extended Hours: June 2–4
Monday: 8:00 am – 6:00 pm
Tuesday-Thursday: 8:00 am – 6:00 pm
Friday: 8:00 am – 6:00 pm
Saturday: 8:00 am – Noon
Disclosures
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Insured by NCUA
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Equal Housing Lender