Dividend Checking

Want to make the most out of your money? Want your money to work for you while it’s sitting in your checking account? Now you can do all of these things with our Dividend Checking account that earns a higher APY on balances from $2,500 to $20,000.

If you like to earn dividends and tend to carry a larger balance in your checking account, this is the best checking account option for you! 

  • FREE Online & Mobile Banking Access with Card Controls
  • FREE Bill Pay Access
  • FREE Unlimited Withdrawals at Patriot ATMs
  • FREE Withdrawals at other Institutions’ ATMs
  • Refund of ATM Surcharge Fees1
  • Access to over 55,000 surcharge-free ATMs worldwide in the Allpoint surcharge-free ATM network
  • FREE Linked Account Transfers from Prime Savings Account
  • FREE Unlimited Check Writing
  • FREE VISA® Debit Card
  • FREE Fraud Prevention to Protect Your Money
  • No Monthly Account Fees if you Meet Requirements2


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Minimum Monthly Requirements
2To avoid a monthly service fee, maintain an average daily balance of $2,500 PLUS direct deposits of $1,500 or 15 completed debit card non-PIN purchases.

Additional Information
1Refund is $1.00 per transaction.
Limit one Dividend Checking accounts per social security/tax identification number.

**Average national rates are based on the Weekly National Rates and Rate Caps published by the FDIC (www.fdic.gov/regulations/resources/rates), for the week of December 21, 2022. It is calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. The underlying data used to calculate the national Interest Checking account rates is gathered by RateWatch, and are based on the $2500 product tier.

Annual Percentage Yield is accurate as of 6/8/2022. Minimum balance required to earn dividends is $2,500. Dividends paid on monthly daily balances up to $20,000. Maintaining balances larger than $20,000 will reduce the APY. Rate is variable and subject to change on a monthly basis. Fees could reduce the earnings on the account.

Fee schedule & disclosures