Personal Checking Accounts | Reorder Your Checks | Personal Savings Accounts
Investment Savings Accounts

Personal Checking Accounts

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. With every checking account comes the added convenience of free online banking and bill paying, free telephone banking and free use of our 24-hour ATMs. For complete account details and transactional information, contact your Customer Service Representative at 1.800.762.7620.

Regular Checking is a non-interest bearing account ideal for individuals and sole proprietorships who prefer to maintain a moderate balance. Minimum initial deposit of $100 required. Includes:

• ATM card
• Debit card for those who qualify
• Overdraft protection for those who qualify
• Easy-to-read monthly statement

NOW Checking Account is an interest bearing account recommended for individuals and certain not-for-profit groups who maintain a more sizeable balance. Minimum initial deposit of $400 required. Includes:

• ATM card
• Debit card for those who qualify
• Overdraft protection for those who qualify
• No maintenance fees for persons over 55, or with payroll direct deposit or federal recurring payments

Patriot Preferred Checking Account is a non-interest bearing account for individuals. This account presents certain awards for those who maintain a larger balance and have at least one other Patriot account. Includes:

• ATM card
• Debit card for those who qualify
• Overdraft protection for those who qualify
• No monthly fee
• Free Patriot Preferred personal style checkbook and checks
• American Express One Signature Travelers Cheques with no service fee
• Free Cashier's Checks

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!

Personal Savings Accounts

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 HSA provides a tax saving incentive for consumers to pay "first-dollar" medical expenses.

Investment Savings Accounts

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. Money Market and CD accounts are insured up to $100,000 by the Federal Deposit Insurance Corporation (FDIC).

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

Jumbo Certificate of Deposit Account: Minimum initial deposit of $100,000

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 normal FDIC limit of $100,000.

• 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.