Checking

Regular Checking

  • Minimum opening balance: $100.00
  • Unlimited check writing
  • ATM or Patriot Debit Card*
  • $5.00 per month if daily balance falls below $500.00
    Churches and Civic Groups are exempt from monthly maintenance fee

NOW Checking

  • Minimum opening balance: $500.00
  • Unlimited check writing
  • ATM or Patriot Debit Card*
  • Interest is paid on daily balance
  • Interest tiers based on balance beginning at $500.00
  • $5.00 per month if daily balance falls below $500.00
  • NOW Senior & Club accounts available

Regular Club

  • Minimum opening balance: $100.00
  • Club checks at no charge
  • ATM or Patriot Debit Card*
  • Free official checks
  • $10,000 AD&D insurance
  • Medical Emergency Data Card
  • Nationwide discount book
  • $6.00 per month

Family Club

  • Minimum opening balance: $100.00
  • All benefits of Regular Club
  • $20,000 AD&D Insurance
  • $2,500 AD&D Insurance for family members
  • Shoppers Advantage
  • $8.00 per month

Patriot Money Market

  • Minimum opening balance $2,500
  • Interest paid on daily balance
  • Interest tiers based on balance beginning at $2,500
  • Six withdrawals or transfers each month (three can be checks)
  • $2.00 per transaction after six transactions
  • $12.50 per month if daily balance falls below $2,500.00

Free Checking

  • Minimum opening balance: $100.00
  • Unlimited check writing
  • ATM or Patriot Debit Card*
  • No imaged statement or cancelled checks returned
  • No monthly maintenance fee

Senior Checking

  • 60 years plus
  • Minimum opening balance: $100.00
  • Standard personal checks at no charge
  • Unlimited check writing
  • ATM or Patriot Debit Card*
  • No monthly maintenance fee

Student Checking

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

* ATM or Patriot Debit Card upon approval

Other Checking Charges

Insufficient funds paid or returned
Deposited item returned
Overdraft for five consecutive days
Stop payment		   $35.00 per check
$5.00 per check
$5.00 per day
$30.00 per check

 

Checking accounts with no activity for six months will be considered dormant.
After 12 months of no activity, the account will be charged a dormant fee of $10 per year.