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Get a checking account that earns better dividends than many savings or certificate accounts to reach your financial goals even faster.
ATM Refunds
Save money whenever you withdraw cash with up to $25 in ATM fee refunds per month when you meet the requirements.
Added benefits for members 62+
At 62, automatic enrollment in Patron Checking offers perks including a free annual box of checks and five free monthly cashier’s checks for easier financial management in your golden years.
Watch your checking account grow by earning premium dividends on your account balance when you meet three easy requirements:
If you don’t meet these requirements, you’ll still earn dividends, just at a lower rate.*
1 Open a Choice Checking Account It takes only minutes to fill out the online application.
2 Make Your Opening Deposit Deposit at least $25 to start your account.
3 Meet Qualifications to Earn Rewards Enjoy premium perks of Choice Checking!
They’ve never wanted to push me into any kind of direction as far as loans. We sit down, they tell you the truth [and] the right path to go.Mark
*Rates stated as Annual Percentage Yield (APY), effective July 30, 2025 and are subject to change. Minimum $25 to open. Minimum balance of .01 to earn APY. Fees may reduce earnings. Portion of balance over $20,000 earns 0.5% APY. ATM fees (up to a maximum of $25 per cycle) will be refunded if account requirements are met. If the account requirements are not met, the APY will be 0.10% and ATM fees will not be refunded. Limited to two accounts per membership. Business Accounts are not eligible.
**Choice Checking cycle is from the 25th of month to the day before the last day of the following month.
