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Patriot Bank Review

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Catherine Miller
Catherine Miller
Feb. 07, 20224 min read

Patriot Bank summary

Patriot Bank is a well-established bank that allows you to use online and mobile banking to manage your money on the go. You can check balances, make payments, and transfer funds through your phone, as well as depositing checks using your smartphone camera. You can also integrate your accounts with digital wallet apps. If you’re looking for a traditional bank account you can interact with online, Patriot Bank could be a good choice.


  • Mobile check deposit service
  • Integrate with digital wallet apps to pay with your phone
  • Check and monitor credit score through the app


  • Only basic savings features
  • Monthly fees if you don’t meet waiver requirements
Patriot Bankat a glance

Editorial score


Yes, low fees



FDIC insured and SSL/AES encrypted account


Customer service

Customer service during extended business hours


Online experience

Excellent user friendly site with transparency of rates and full online banking capabilities


Mobile experience

Excellent mobile app with all mobile banking features enabled, including digital check deposits


Patriot Bank Patriot Bank Visit Patriot Bank

Advantages Over Traditional Banks 

Although Patriot Bank is a traditional bank, its online and mobile banking services let you manage your money quickly and efficiently. For example, you can check your live balance, pay bills, transfer funds, and get notifications to alert you of suspicious activity. Online banking can save you time, and you won’t need to juggle lots of paperwork. 

Cutting-Edge Banking Services 

Patriot Bank’s mobile banking service allows you to deposit checks using your smartphone camera, with funds available within one business day. You can also use the bill pay feature to set up one-off or recurring payments to individuals or businesses. At this point in time, Patriot Bank doesn’t offer digital budgeting or the ability to split savings into separate pots, as many mobile banking services do.

Patriot Bank accounts do integrate with digital wallet apps such as Google Pay and Apple Pay, so you can pay with your mobile rather than using a debit card. You can also check and monitor your credit score via Patriot Bank’s online banking dashboard. This includes the option of security alerts if your score changes. 

Traditional Banking Services 

As a full-service financial institution, Patriot Bank offers a range of traditional banking solutions. These include personal and business loans, home and vehicle loans, credit cards, and business employee services that include banking at work and health savings accounts that can be offered as employee benefits. If you’re in CT or NY, you’ll also be able to withdraw money from Patriot Bank’s ATMs. 

Interest Rates and Fees

Patriot Bank has a range of personal bank accounts available, both checking and savings. Interest rates on savings accounts may vary depending on your balance, and the only checking account to offer interest on your balance is the Star banking account. The Star savings account includes a 90-day bonus, meaning you’ll get a higher interest rate on any new money deposited from a non-Patriot Bank account for the first 3 months after the account is opened. 

AccountMonthly FeeInterest Rate
Star Banking Account$25 (waived if an average daily aggregate balance of $15,000 is maintained)

<$100,000 = 0.01%

> $100,000 = 0.05%

Echecking Account$5 (waived if 5 or fewer checks are posted to the account each month)N/A
Patriot Checking Account$12 (waived if minimum average daily balance of $1,000 is maintained, or a routine direct deposit from payroll, pension, or benefits is established)N/A
Savings$5 (waived if minimum average daily balance of $250 is maintained)0.01%
Star Savings$12

<$100,000 = 0.05%

> $100,000 = 0.15%

Money Market$12 (waived if minimum average daily balance of $2,000 is maintained)

<$100,000 = 0.01%

> $100,000 = 0.05%

Customer Service and Online Experience

The Patriot Bank website is easy to navigate and includes useful resources on financial literacy and financial security. If you need further support, you can contact Patriot Bank by phone or submit a request through the website. Phone support hours are:

  • 7am-7pm EST weekdays
  • 8am-1pm EST Saturday

Mobile App  

The Patriot Bank mobile app is available for both iOS and Android. It enables you to check your balance, view your recent transactions, make payments and transfer funds. Mobile check deposit is also available.


Patriot Bank’s security measures comply with federal law and include computer safeguards and physical security for its buildings. The Patriot Bank website uses SSL encryption. 

You can use Patriot Bank’s CardValet app to set spending limits, freeze your cards, and get real-time alerts if cards are used. This is a great feature that makes it easy to keep your cards secure. 


Patriot Bank is a traditional bank with useful online banking features that let you manage your money on the go. With the ability to check your balance, move money, and make payments through the web or your phone, you can integrate simple banking functions into your busy life. 

Mobile check deposits save you a trip to the bank, the CardValet app helps keep your cards secure, and integration with digital wallet apps means you can even pay with your phone. If you’re looking for the security of a trusted name with the ability to bank on the go, Patriot Bank could be a great choice.


This review was completed using Patriot Bank’s website and app store entries. We also submitted a request for customer support through the Patriot Bank website. 

Patriot Bank Patriot Bank Visit Patriot Bank

Catherine Miller
Written byCatherine Miller

Catherine Miller is a lead member of personal finance and pension innovator Maji, where’s she’s responsible for content creation and running Maji’s personal finance masterclass, among others. She is also a freelance writer in the fields of finance and education, and holds degrees in English and education.

Patriot Bank
Patriot Bank

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