Dividend Checking

Interest Bearing Checking Accounts in South Central Pennsylvania and Washington County, Maryland

Want to make the most out of your money? Want your money to work for you while it’s sitting in your checking account? Want to get more out of your banking experience? Who doesn’t? Now you can do all of these things with our Dividend Checking account that earns 2% APY on balances from $2,500 to $20,000.

people using debit card from interest bearing checking account

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! Even if you tend to keep your money in a lower interest rate CD, opening a dividend checking account instead might be the way to go to earn the most on the money you have worked so hard to save.

Not only does the Dividend Checking account earn you high dividends on the money you keep, but it also gives you more options and flexibility for the money you spend. Check out the benefits of opening this interest-earning checking account at Patriot:

  • Earns Dividends up to 2.0% APY1
  • FREE Online & Mobile Banking Access
  • FREE Bill Pay Access
  • FREE Unlimited Withdrawals at Patriot ATMs
  • FREE Withdrawals at other Institutions’ ATMs
  • Refund of ATM Surcharge Fees2
  • Access to over 55,000 surcharge-free ATMs worldwide:
  • FREE Linked Account Transfers from Prime Savings Account
  • FREE Unlimited Check Writing
  • FREE Fraud Prevention to Protect Your Money
  • No Monthly Account Fees if you Meet Requirements

Heard enough?

Open an Account

or make the switch today!

When you open a checking account with us, you open the door to many other credit union benefits that will help you achieve financial goals of all kinds. 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 and loan rates and lower fees, unlike the big banks who focus on making themselves a profit.

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 interest-bearing checking account and see for yourself.

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Minimum Monthly Requirements
To 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
1Annual Percentage Yield is accurate as of 12/01/19. Minimum balance required to earn dividends is $2500. Dividends paid monthly on average daily balances up to $20,000. Maintaining balances larger than $20,000 will reduce the APY. Rate is variable and subject to change. Fees could reduce the earnings on the account. Limit of no more than two Dividend Checking accounts per social security/tax identification number. Must be a member.
2Refund is $1.00 per transaction.
Limit of no more than two 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 October 28, 2019. 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.

Fee schedule & disclosures