Checking Accounts

Take charge of your day-to-day finances with confidence.

Effortlessly Manage Your Daily Finances

Our checking accounts are designed to make your time and money go further and help you make the most of your banking experience.

Checking Account Options

Patriot Federal Credit Union offers four different checking account options.

Check mark icon

Essentials Checking

Discover simplicity with our Essentials checking account — no monthly minimum balance required.

Rewards

e-Plus Checking

Select e-Plus checking for a $.05 reward on all signature purchases1, free Visa® debit card, and more — perfect for maximizing your money.

Hand holding coin

Rewards Checking

Select Rewards Checking for a $.10 reward on all signature purchases2 and free ATM withdrawals. Ideal for those who use online banking and higher checking balances.

Safe with percent sign

Dividend Checking

Opt for Dividend Checking for earnings, ATM surcharge refunds, and free linked savings account transfers — perfect for higher balances and growing your money.

Compare Your Options

All accounts include free online & mobile banking access, bill pay, surcharge-free access to over 55,000 Allpoint ATMs worldwide, and free unlimited check writing.

  • Minimum Opening Deposit Amount

    Minimum Opening Deposit Amount

  • ATM Withdrawal

    Fee Waiver

    ATM Withdrawal

    Fee Waiver

  • ATM Surcharge-Fee Refund

    ATM Surcharge-Fee Refund

  • Earn Dividends

    Earn Dividends

  • Debit Card Rewards

    Debit Card Rewards

Essentials Checking

  • Minimum Opening Deposit Amount

    $25

  • ATM Withdrawal

    Fee Waiver

    6 total free per month

    Patriot or foreign ATMs

  • ATM Surcharge-Fee Refund

    No

  • Earn Dividends

    No

  • Debit Card Rewards

    No

e-Plus Checking

  • Minimum Opening Deposit Amount

    $25

  • ATM Withdrawal

    Fee Waiver

    12 free from foreign ATMs

    Free unlimited withdrawals at Patriot ATMs

  • ATM Surcharge-Fee Refund

    No

  • Earn Dividends

    No

  • Debit Card Rewards

    Yes1

Rewards Checking

  • Minimum Opening Deposit Amount

    $1,000

  • ATM Withdrawal

    Fee Waiver

    12 free from foreign ATMs

    Free unlimited withdrawals at Patriot ATMs

  • ATM Surcharge-Fee Refund

    No

  • Earn Dividends

    No

  • Debit Card Rewards

    Yes2

Dividend Checking

  • Minimum Opening Deposit Amount

    $2,500

  • ATM Withdrawal

    Fee Waiver

    Free unlimited withdrawals 

    at Patriot or foreign ATMs

  • ATM Surcharge-Fee Refund

    Yes3

  • Earn Dividends

    Yes

  • Debit Card Rewards

    No

Earn More On Your Money

Dividend Checking Account

Average Daily Balance                     

APY1

1APY=Annual Percentage Yield. Rates are variable and are subject to change at any time. Withdrawals and fees could reduce earnings. Minimum opening balance $2,500.

Average Daily Balance                     

$2,500-$20,000

APY1

2.50%

Average Daily Balance                     

$20,000.01+

APY1

0.00%

Add Direct Deposit to Your Checking Account

Open a checking account with us for access to a range of credit union benefits supporting your financial independence.

Learn more about Direct Deposit

Explore Our Easy-to-Use Money Management Tools

At Patriot Federal Credit Union, we make it easy to access your money and handle routine transactions at a time and place that’s convenient for you.

As the free mobile banking app for smartphone or tablet, Patriot Mobile offers you maximum convenience for doing your banking – anytime, anywhere! You can do transactions, check balances, pay bills and make deposits with a click of your phone. It is available free through Apple Store (iOS) and your Google Play Store (Android).

Our Visa® Debit Card is accepted worldwide at traditional or online merchants that display the Visa® logo. For quick cash, you may use any of Patriot’s ATMs as well as a network of 55,000 Allpoint ATMs. You can also ask for cash back at supermarkets. All transactions are deducted from your checking account and are detailed on your monthly statement. Transactions on Visa® debit cards are also protected by 3-D Secure by Visa.

View your account information online and handle routine transactions 24/7 with Online Banking. Our secure server provides state-of-the-art encryption technology for your protection. You’ll have an Online Banking password enabling you to check your account balances, transfer funds, make loan payments, balance your checking account, and more.

When you register for Online Banking, you will have free access to Bill Pay to save time and postage! With a few clicks, you can schedule recurring payments and one-time payments that are automatically deducted from your Patriot Checking Account.

Security of members’ account information is of the utmost importance at Patriot. eStatements are the safe and secure online option to obtain your monthly credit union statement. For your convenience, statements are available through Online Banking 24 hours a day, 7 days a week.

Open a Checking Account Today

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Disclosures

  • 1$0.05 per purchase; requires 25 completed non-PIN purchases.
    2$0.10 per purchase; requires 15 completed non-PIN purchases.
    3$1.00 refund per transaction

  • NCUA

    This credit union is federally insured by the National Credit Union Administration.

  • Equal Housing Lender

    Equal Housing Lender