Checking Accounts

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

The E-Plus checking account gives you a $.05 reward on all signature purchases¹ 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 

Our Rewards checking account gives you a $.10 reward on all signature purchases² with your free VISA debit card, more free withdrawals from ATMs than the Essentials and E-Plus checking accounts, and free linked account transfers from your savings account. 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 

Dividend Checking 

Our Dividend checking account allows you to earn dividends and includes ATM surcharge refunds and free linked account transfers from your savings account. 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!

¹Requires 25 completed non-PIN purchases.
²Requires 15 completed non-PIN purchases.

¹$0.05 per purchase; requires 25 completed non-PIN purchases.
²$0.10 per purchase; requires 15 completed non-PIN purchases.

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 55,000 surcharge-free ATMs
• Online banking and bill pay
• Patriot’s Mobile banking App
• Order your checks online from Harland Clarke, our preferred provider.

  • Recommendations:

    • Use a new window within the account holder browser session.
    • The link should also “break out” of any frames in use, if necessary (TARGET = “_top”). This allows Harland Clarke to return your account holder to your website upon completion of the check ordering process.
• Fraud prevention to protect your money
• Instant Issue: Have a replacement debit card instantly issued in the event of a lost, misplaced, or compromised debit card at the following branches: 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).*
• Direct Deposit – We will give you a $50 cash bonus** when you set up direct deposit into your Patriot checking account

Not yet a Member? Open an Account

Existing Members- Add a Share/Account to Existing Membership

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.

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, Shippensburg, PA, Hagerstown, MD or Frederick, 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!

*Non-issuing branches (Letterkenny and Gateway) can take care of any needed card maintenance. Thereafter, you have the option of receiving your new card through the mail or stop in same-day to any of our four “issuing” branches to have your card printed on the spot.

^{**This promotion is available to new credit union members who sign up for direct deposit into a checking account AND have an active Patriot debit card. The $50 cash incentive will be deposited into the member’s checking account within 60 days of the following requirements being made: open a Patriot consumer checking account, sign up for direct deposit of at least $500 per month into that checking account, have the direct deposit meet or exceed that monthly amount, and activate your Patriot debit card. As required by law, Patriot Federal Credit Union will report the value of the incentive to the IRS. All state, federal, and local tax laws are applicable. This offer is non-transferable and available for a limited time. Offer subject to change without notice. Other restrictions may apply. Promotion code #127.}