Checking Accounts

smiling girl with debit card

Checking Accounts in South Central Pennsylvania and Washington County, Maryland

Patriot Federal Credit Union offers four different checking account options to fulfill your needs and help you manage your daily finances. No matter what stage of life you’re in or what type of financial support you are looking for, we have a solution. Our checking accounts are designed to make your time and money go further and help you make the most of your banking experience.

Essentials Checking

Our Essentials checking account is a free checking account with no monthly minimum balance requirements. If you’re just looking for a simple account that covers the basics – this is the right checking account for you.

Learn More About Essentials Checking

E-Plus Checking Account

The E-Plus checking account gives you a $.05 reward on all signature purchases with your free VISA debit card, plus more free withdrawals from ATM’s than the Essentials checking. If you do the majority of your banking online and are looking to make more on the money you already have and spend, this is the checking account for you.

Learn More About E-Plus Checking

Rewards Checking Account

Our Rewards checking account gives you a $.10 reward on all signature purchases with your free VISA debit card, more free withdrawals from ATMs than the Essentials and E-Plus checking accounts, and free overdraft transfers from your savings account or line of credit. If you do the majority of your banking online, typically keep a higher balance in your checking account, and are looking to make more on the money you already have and spend, this is the right checking account for you.

Learn More About Rewards Checking

Dividend Checking Account

Our Dividend checking account allows you to earn dividends up to 2% APY* and includes ATM surcharge refunds and free overdraft transfers from your savings account or line of credit. If you typically keep a higher balance in your checking account and are looking to make more on the money you have, this is the checking account for you.

Learn More About Dividend Checking

Still not sure which one is the best for you? Compare our checking accounts!

Benefits

Essentials Checking

E-Plus Checking

Rewards Checking

Dividend Checking

FREE Online & Mobile Banking AccessXXXX
FREE Bill Pay AccessXXXX
FREE Unlimited Withdrawals at Patriot ATMXXXX
SURCHARGE FREE Access to over 75,000 Allpoint ATMs worldwideXXXX
FREE Withdrawals at other Institution’s ATM61212Unlimited
Refund of ATM Surcharge FeesX
FREE Overdraft Transfer from Prime Savings Account or Line of CreditXX
FREE Unlimited Check WritingXXXX
Earns Dividends – 2% APY 3X
Rewards Visa ® Debit CardX
1
X
2

1$0.05 per purchase; requires 25 completed non-PIN purchases.
2$0.10 per purchase; requires 15 completed non-PIN purchases.
3Annual Percentage Yield is accurate as of 07/01/2014. Paid on average daily balance between $2,500 and $20,000. Rates subject to change without notice. Fees could reduce the earnings on the account.

Open Your New Checking Account Today!

Not only does opening a checking account with Patriot give you the benefits of being a credit union member, but it also comes with:

  • VISA debit card with card controls
  • Access to over 75,000 surcharge-free ATMS
  • Online banking and bill pay
  • Patriot’s mobile banking app
  • Check writing capabilities
  • Fraud prevention to protect your money

Open an Account

When you open a checking account with us, you open the door to many other credit union benefits that will help you achieve financial independence. Since we are a not-for-profit, community-based credit union, all of our efforts go towards being able to offer our communities the best possible account rates and lower fees, unlike the big banks who focus on making themselves a profit.

Patriot cares about the communities we’re in, so we want to make it easy for members of these communities to attain financial independence and stability. We have options for everyone, no matter what stage of life you’re in and what type of financial support you are looking for. Whether you’re saving for your future, learning to manage your money, or looking to make your banking experience easier, Patriot offers the products and services you need, right around the corner.

Patriot’s mission is “People Helping People – Not for Profit, Not for Charity, But for Service.” Stop by one of our branches in Chambersburg, PA, Waynesboro, PA, or Hagerstown, MD, today to open a new checking account and see for yourself.

Find a Branch

You can also check out the personal finance section of our learning center blog for tips and tricks on budgeting, saving, and more!