Patriot Bank Checking Accounts

Free Checking

• Minimum opening balance: $100.00
  
• No monthly maintenance fees
  
• Unlimited check writing
  
• ATM or Patriot Debit Card available*
  
• No Imaged Statement or cancelled checks

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Regular Checking

• Minimum opening balance: $100.00
  
• No monthly maintenance fee on daily balances of $500 or more;
  $5 per month if daily balance falls below $500
  
• Unlimited check writing
  
• ATM or Patriot Debit Card available*
  
• *Churches and civic groups are exempt from maintenance fees

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Patriot Club Regular

• Minimum opening balance: $100.00
  
• Free Club checks
  
• Free Patriot Debit Card
  
• Free traveler/cashier checks and money orders
  
• $10,000 AD&D insurance
  
• Medical emergency data card
  
• Nationwide discount book
  
• $6.00 per month

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Patriot Club Family

• Minimum opening balance: $100.00
  
• $20.00 AD&D Insurance
  
• $2,500.00 AD&D Insurance for family members
  
• Shoppers Advantage
  
• All benefits of Regular Club
  
• $8.00 per month
  

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Senior Checking

• For customers 60 years and better
  
• Minimum opening balance: $100.00
  
• No monthly maintenance fee
  
• Unlimited check writing
  
• ATM or Patriot Debit Card available*
  
• Free standard personal checks

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Student Checking

• For full-time students
  
• Minimum opening balance $100.00
  
• No monthly maintenance fee
  
• ATM or Patriot Debit Card available*

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NOW Checking

• Minimum opening balance: $500.00
  
• Interest paid on available daily balance
  
• Interest tiers based on balance beginning at $500
  
• No monthly maintenance fee on daily balances of $500 or more;
  $5 per month if daily balance falls below $500
  
• Unlimited check writing
  
• ATM or Patriot Debit Card available*
• Patriot Club NOW accounts available

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Patriot Money Market

• Minimum opening balance: $2,500.00
  
• Interest tiers based on balance beginning at $2,500
  
• No monthly maintenance fee on daily balances of $2,500 or more;
  $12.50 per month if daily balance falls below $2,500
  
• Six withdrawals or transfers each month, 3 of which can be checks
  
• $2.00 per transaction above six transactions

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Patriot ATM Card

• 24-hour access to funds
  
• Free with all personal checking accounts
  
• Personalized PIN adds security

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Patriot Debit Card

• Works like a check with purchases deducted directly
  from your checking account
  
• Accepted anywhere Visa is accepted
  
• Also works as an ATM card

*Patriot Debit Card available subject to approval.

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Commercial Checking

• Minimum opening balance $100
  
• No monthly maintenance fee on daily balances of $1,000 or more;
  $10.00 per month if daily balance falls below $1,000
  
• Unlimited checkwriting
  
• No charge for deposits

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Other Checking Charges

Insufficient funds	$27.00 per check
Deposited item returned	$5.00 per check
Stop payment	$27.00 per check
Overdraft for three consecutive days	$5.00 per day

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