personal

Personal Checking

Freedom Checking

Our most popular, non-interest bearing checking account option.

  • No Minimum Balance Requirements
  • No Monthly Maintenance Fee
  • Unlimited Transactions
  • Free Transactions at any Bank’s ATM¹
  • Free Online Banking with Bill Pay and Mobile Banking
  • Free ATM/debit card

Independence Checking

Earn more and further your interests. Account holders earn a higher Annual Percentage Yield (APY) and maintain liquidity.

  • No Monthly Maintenance Fee with Minimum Balance of $5,000 or Average Collected Balance of $10,000; Otherwise $19.50 Monthly
  • Complimentary Independence Checking Checks³
  • Earn Interest on Your Checking Balances at Competitive Rates2
  • Unlimited Transactions
  • Free Online Banking with Bill Pay
  • Free ATM/debit card
  • Half-Price Safe Deposit Box
  • Free Cashier’s Checks
  • Free Transactions at any Bank’s ATM¹

Liberty Checking

Our interest-bearing checking account expressly for our senior clientele; reap the rewards of experience, for clients ages 554 and up.

  • No Monthly Maintenance Fee
  • Earn Interest on Your Checking Balances at Competitive Rates²
  • No Minimum Balance Requirements
  • Unlimited Transactions
  • Complimentary Liberty Checking Checks3
  • Free Online Banking with Bill Pay
  • Free ATM/debit card

Rising Star Student Checking

Study hard, bank easy. Our Rising Star Student Checking account gives students one less thing to worry about. So you can focus on what matters most, like studying for that final exam or saving for a car.

  • No Minimum Balance
  • No Monthly Maintenance Fee
  • Unlimited Transactions
  • Free ATM/debit card
  • Free Transactions at any Bank’s ATM1
  • Free Online Banking with Bill Pay and eStatements
  • Mobile Banking App with Deposit Feature

 

1. Beginning August 1, 2014,  ATM fee refunds will be automatically credited to all personal checking account holders. Customers who opened a personal checking account prior to this date will need to contact Patriot Bank to get their ATM/Debit card upgraded.  Customers who open an account after August 1, 2014 will be enrolled in the program at account opening.  Limit 20 refunds per statement cycle.

2. Interest rates are variable and determined daily at Patriot Bank’s discretion. Account fees may reduce earning. Interest begins to accrue no later than the business day we receive credit for non cash items (for example, checks). Please call Patriot Bank for balance tiers as well as current Interest Rates and Annual Percentage Yield information.

3. Wallet or duplicate checks available. Limit one box per order.

4. Primary account holder must be over the age of 55. Other owners/signers can be any age.

Debit card

Free debit cards accompany many of our account products. The Patriot debit card works as an extension of your account, giving you access to your funds through ATM machines all over the US and even abroad. The Patriot debit card can also function as a check, allowing you to make everyday purchases, even pay your bills. Free yourself from the hassles of monthly and even daily check writing. For more details on debit cards from Patriot, please contact one of our expert representatives at 713-400-7100 or visit your nearest Patriot Bank branch.