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Personal Checking Accounts | Reorder Your Checks | Personal Savings Accounts
Investment Savings Accounts
Personal Checking Accounts
The increased FDIC deposit insurance limits up to $250,000 per depositor have been extended through December 31, 2013.
Patriot National Bank has designed its personal checking accounts to create options that make sense for managing your hard-earned money, whether you prefer to write paper checks or do your banking electronically.
ALL PERSONAL CHECKING ACCOUNTS FEATURE THE ADDED CONVENIENCE OF:
- NO Monthly Service Charge (Requirements differ for each account)
- FREE Linked Savings Account
- FREE non-Patriot ATM Transactions*
- FREE Patriot National Bank Debit Card for those who qualify
- FREE Notary Service
- FREE Identity Guard TM Protection Coverage for First 6 Months
- FREE 24-Hour Telephone Banking
- FREE Online Banking, Bill Pay and Email Balance Alerts
- Overdraft Protection through Linked Savings**
- Overdraft Line of Credit for those who qualify
*Patriot National Bank does not charge you to use a non-Patriot ATM. However you may incur a charge from the other financial institution. **Overdraft protection is limited to 6 transfers per statement cycle and there is a $5 charge per transfer from savings to cover an overdraft. For complete account details and transactional information, contact your local Patriot Banker or Customer Service Representative at 1.800.762.7620.
is a FREE and EASY personal banking option that offers the most important extras...convenience and accessibility.
IN ADDITION TO ALL ACCOUNT FEATURES, you get:
- NO Minimum Average Balance Requirement
A minimum of $50 is required to open this account.
is ideal for individuals and sole proprietorships that prefer the hassle-free convenience of direct deposit.
IN ADDITION TO ALL ACCOUNT FEATURES, you get:
- NO Minimum Average Balance Requirement
- REBATE of surcharges for up to 4 non-Patriot ATM transactions per statement cycle
A minimum of $50 is required to open this account.
No monthly service charge with Direct Deposit per statement cycle (limited to payroll, Social Security, pension and government benefits. Excludes PayPal transactions). We allow up to three statement cycles with no fees to set up Direct Deposit. $5 monthly service fee will apply without Direct Deposit requirement. After the first 3 statement cyles, if the Direct Deposit requirement is not me, there will be a $5 monthly service fee.
is relationship banking that rewards those individuals who want more than just a checking account.
IN ADDITION TO ALL ACCOUNT FEATURES you get these special features unique to this account:
- FREE Basic Checks.
- FREE American Express one signature Travelers Cheques
- FREE Cashier's Checks
- FREE Money Orders
- REBATE of surcharges for up to 6 non-Patriot ATM transactions per statement cycle
- SPECIAL YIELDS on savings and CD's
- NO ANNUAL FEE Patriot Visa Credit Card for those who qualify.
A minimum of $100 is required to open this account.
No monthly service charge when you maintain an average daily balance of $1,000 or more in your checking account, $10,000 or more in combined Deposit Balances and one Direct Deposit per statement cycle (limited to payroll, Social Security, pension and government benefits. Excludes PayPal transactions). We allow up to three statement cycles with no fees to set up Direct Deposit. After the first three statement cycles, if the minimum balance and Direct Deposit requirements are not met, there will be a $20 monthly service fee. The required checking and combined deposit balances must be maintained to qualify for special yields on savings deposits.
is designed for the high balance customer. Manage all of your accounts while earning the highest possible returns with special rates on savings and CDs.
IN ADDITION TO ALL ACCOUNT FEATURES you get these special features unique to this account:
- FREE Basic Checks.
- FREE American Express one signature Travelers Cheques
- FREE Cashier's Checks
- FREE Money Orders
- REBATE OF ALL ATM FEES FROM ANY BANK in continental USA
- NO ANNUAL FEE Patriot Visa Credit Card for those who qualify
A minimum of $100 is required to open this account.
No monthly service charge when you maintain an average daily balance of $2,500 or more in your checking account, $25,000 or more in combined Deposit and Loan Balances and one Direct Deposit per statement cycle (limited to payroll, Social Security, pension and government benefits. Excludes PayPal transactions). We allow up to three statement cycles with no fees to set up Direct Deposit. After the first three statement cycles, if the minimum balance and Direct Deposit requirements are not met, there will be a $30 monthly service fee. The required checking and combined deposit balances must be maintained to qualify for special yields on savings deposits. See your Patriot banker for details.
is the smart solution for the busy student.
IN ADDITION TO ALL ACCOUNT FEATURES you get:
- NO Minimum Average Balance Requirement
- NO Monthly Surcharge*
- FREE Basic Checks **
- REBATE of surcharges for up to 6 non-Patriot ATM transactions per statement cycle
A minimum of $50 is required to open this account.
Applicants 17 and under must open account with a parent as co-signer. *No monthly service charge for the first 60 months. After 60 months or upon leaving school, account changes to a free checking account with Direct Deposit Requirement.**First order of 25 checks is free. There is a charge for college-themed or decorative checks.
offers interest-bearing checking for individuals and certain sole proprietorships who maintain a more sizeable balance with the same features as our Personal Account.
A minimum of $400 is required to open this account.
An average daily balance of $400 is required in order to avoid a $5 monthly service fee.
Patriot National Bank is participating in the FDIC's Transaction Account Guarantee Program .
Under that program, through June 30, 2010, all noninterest-bearing
transaction accounts are fully guaranteed by the FDIC for the entire amount
in the account. Coverage under the Transaction Account Guarantee Program is in
addition to and separate from the coverage available under the FDIC's general
deposit insurance rules.
Reorder Your Checks
Click the link below to order (or reorder) personal checks directly from Deluxe check printers. You will be routed to their secure website and guided through the ordering process with the ability to adjust quantity and change check design if needed. Checks will be delivered directly to your front door!
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Personal Savings Accounts
The increased FDIC deposit insurance limits up to $250,000 per depositor have been extended through December 31, 2013.
These accounts are for customers interested in a safe and more traditional long-term money management plan. They appeal to persons who want to set aside a portion of their liquid assets and watch them grow. Our savings accounts permit easy access for deposits, withdrawals and transfers between Patriot accounts. For complete account details, contact your Customer Service Representative at 1.800.762.7620.
Statement Savings is an interest bearing account that rewards you with higher rates for higher balances. There are unlimited deposits and up to five free withdrawals per month. A minimum of $50 is required to open this account. This account includes:
- ATM card
- Free Internet banking
- Free 24-hour telephone banking
- Easy-to-read monthly statements (may be combined with Patriot checking account statements)
Passbook Savings is an interest bearing account that allows customers to keep track of their savings activity as deposits and withdrawals are recorded in a booklet at the time of each in-branch transaction. Minimum initial deposit required is $50; maintain an average daily balance of $50 and there is no monthly maintenance fee.
Health Savings Account (HSA) is an IRA-like account designed exclusively to cover the medical expenses of the person who opens the account and his/her dependents.
Created by Congress to combat rising medical costs, the interest-bearing HSA provides a tax saving incentive for consumers to pay "first-dollar" medical expenses.
Investment Savings Accounts
The increased FDIC deposit insurance limits up to $250,000 per depositor have been extended through December 31, 2013.
Money Market and Certificate of Deposit Accounts are excellent ways to save money in the short term, generally less than five years. These types of accounts provide higher interest rates than traditional savings accounts but with some limitations regarding access to your funds. The increased FDIC deposit insurance limits up to $250,000 per depositor have been extended through 2013.
Money Market Account is a highly liquid savings account that carries a low risk and a high yield, earning competitive interest rates. A minimum of $1,000 is required to open an account; a premium rate is paid for accounts with a balance of $10,000 ore more. Account includes:
- ATM card
- Free Internet banking
- Free 24-hour telephone banking
- Easy-to-read monthly statement
Certificate of Deposit Accounts range from 3 month to 5 year terms and let you select the investment time frame that best suits your financial needs. CDs are a safe option for your money, growing your initial deposit through a pre-determined, guaranteed amount of interest. Interest is compounded daily and credited monthly to your CD and may be transferred to any of your Patriot accounts, or mailed to you. You may not make any deposits to your account prior to maturity. Withdrawals of principal before maturity may be subject to penalties.
For current rate information, speak to a Customer Service Representative during business hours, toll-free at 1.800.762.7620.
Certificate of Deposit Account: Minimum initial deposit of $500
CDARS (Certificate of Deposit Account Registry Service)
is ideal for any individual or organization looking to place large deposits into smaller-denomination CDs that can be insured for amounts larger than the FDIC limits which have temporarily been increased to $250,000 per depositor, now through December 31, 2013.
How does CDARS work?
- The CDs within your CDARS account each earn the same competitive rate and have the same maturity date.
- CDARS accounts have the safety of FDIC insurance.
- Although the money is placed at multiple member FDIC insured financial institutions,
you enjoy the security and convenience of having the people you trust at Patriot National Bank
manage your accounts.
- You receive one statement from Patriot National Bank.
- Your personal and financial information remains protected and confidential.
Speak to your Patriot National Branch Manager for more details or to fill out a Deposit Placement agreement
to open your account.
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