In today’s fast-paced world, managing your finances efficiently is more important than ever. Patriot Bank understands this need, offering a robust and user-friendly Online Banking platform designed to save you time and provide 24/7 access to your accounts. Whether you’re at home, at work, or on the go, Patriot Bank’s Online Banking and Bill Payment services put you in control of your financial life. Say goodbye to time-consuming trips to the bank and embrace the convenience of managing your finances with just a few clicks.
Discover the Advantages of Patriot Bank Online Banking
Patriot Bank Online Banking is packed with features designed to simplify your banking experience. Here are some key benefits you’ll enjoy:
- Around-the-Clock Access: Gain immediate access to your accounts anytime, anywhere. Whether it’s checking your balances early in the morning or reviewing transactions late at night, Patriot Bank ensures your financial information is always at your fingertips, 24 hours a day, 7 days a week.
- Real-Time Balance Checks: Stay informed about your financial standing with up-to-the-minute balance updates. No more waiting for statements to arrive in the mail – with Patriot Bank Online Banking, you can instantly view your current balances for all your accounts.
- Effortless Fund Transfers: Seamlessly move money between your Patriot Bank accounts. Whether you need to transfer funds between checking and savings, or make loan payments, online transfers are quick, easy, and secure.
- Simplified Loan Payments: Making your Patriot Bank loan payments has never been easier. Schedule one-time or recurring payments directly through Online Banking, ensuring you never miss a due date and simplifying your monthly obligations.
- Comprehensive Transaction History: Access a detailed record of your account activity. Review past transactions, search for specific payments or deposits, and gain a clear understanding of your spending and saving habits with Patriot Bank’s comprehensive transaction history feature.
- Digital Check Images: Say goodbye to paper clutter and easily view digital images of your cleared checks online. This feature provides a convenient and secure way to review and store your check records.
- Historical Statements at Your Fingertips: Access up to six months of past account statements directly through Online Banking. Retrieve, view, and download your statements whenever you need them, eliminating the need for paper storage and ensuring you always have access to your financial records.
- Seamless Integration with Financial Software: Export your account information directly into popular financial management programs like Microsoft Money or Quicken. Simplify budgeting, tracking expenses, and managing your overall financial portfolio with Patriot Bank’s compatibility with leading personal finance software.
Getting Started with Patriot Bank Online Banking
Enrolling in Patriot Bank Online Banking is a straightforward process. Simply visit the Patriot Bank website and follow these easy steps to unlock the convenience of digital banking:
- Visit the Patriot Bank Website: Navigate to www.patriot-bank.com using your web browser.
- Access Online Services: Look for the “Online Services” section, typically found in the website’s navigation menu.
- Select Online Banking Enrollment: Click on the “Online Banking” option and choose the “First Time User” link to begin the enrollment process.
- Enter Your Information: You will be prompted to enter your personal information to verify your identity and set up your online banking profile.
- Follow the Prompts: Carefully follow the on-screen instructions to complete the enrollment process. You will be guided through setting up your secure access credentials.
Once enrolled, you can access your Patriot Bank Online Banking account anytime by visiting the website and logging in with your chosen Access ID and Password.
Enhanced Security with Adaptive Authentication
Patriot Bank prioritizes the security of your financial information. Our Online Banking platform incorporates Adaptive Authentication Security, providing multiple layers of protection against unauthorized access and fraud. This advanced security system works behind the scenes to ensure your online banking sessions are safe and secure.
Adaptive Authentication Security includes features like:
- Device Recognition: The system recognizes your trusted devices (computers, mobile phones, tablets). Logging in from a recognized device streamlines your access.
- Challenge Questions: If you log in from an unrecognized device or location, you may be asked pre-selected security questions to verify your identity, adding an extra layer of protection.
- Geographic Location Monitoring: The system monitors login locations. Unusual login attempts from unfamiliar geographic areas may trigger additional security checks.
- Green Address Bar Verification: Upon entering your User ID, a green highlight in your browser’s address bar confirms you are on the legitimate Patriot Bank Online Banking website, protecting you from phishing attempts.
These security measures work together to safeguard your account and personal information, providing you with peace of mind while banking online with Patriot Bank.
Frequently Asked Questions about Patriot Bank Online Banking
1. How do I enroll in Patriot Bank Online Banking?
Enrollment is easy! Go to www.patriot-bank.com, click on “Online Services,” select “Online Banking,” and then click “First Time User” to begin the registration process.
2. Will my Access ID change when I switch to Online Banking?
No, your existing Access ID remains the same. However, for security purposes, you will be required to change your password periodically.
3. What if I forget my password?
If you forget your password, you have several options:
- Forgot Password Link: Click the “Forgot Password?” link on the login page, and your current password will be emailed to your registered email address.
- Visit a Branch: Stop by your local Patriot Bank branch and complete a password reset request form.
- Email Support: Contact [email protected] and include the last four digits of your Social Security number or your Access ID for verification.
4. My challenge questions are locked. How can I reset them?
For security reasons, challenge question resets require identity verification. Please visit your nearest Patriot Bank branch and sign a reset request form.
5. I have a joint account. Can we both have separate Online Banking access?
Yes! Online Banking accounts are individual, even for joint bank accounts. Each account holder can set up their own separate Online Banking profile to access the joint account. Simply go to “First Time User” and register using your individual information.
6. Can I pay my Patriot Bank loans online?
Absolutely. You can easily pay your Patriot Bank loans online through the “Express Transfers” feature within Online Banking.
7. What is the cut-off time for same-day transfers?
Transfers completed by 3:00 p.m. CT on a business day will be posted on the same business day. Transfers initiated after 3:00 p.m. CT will be processed on the next business day.
8. What is Adaptive Authentication Security and why is it important?
Adaptive Authentication Security is an enhanced security system that protects your Patriot Bank Online Banking account from fraud and unauthorized access. It verifies your identity through device recognition, challenge questions, and location monitoring, ensuring a safer online banking experience.
9. How does Adaptive Authentication Security work?
When you log in, the system verifies your User ID and Password. It also checks if your device and location are recognized. If anything is unusual, you may be asked challenge questions to confirm your identity. The green address bar confirms you are on the legitimate Patriot Bank website.
10. Can multiple people with separate accounts use the same computer for Online Banking?
Yes, multiple users can access their individual Patriot Bank Online Banking accounts from the same computer. There is no limit to the number of users per device.
Contact Patriot Bank for Support
If you have any questions or require assistance with Patriot Bank Online Banking, please don’t hesitate to contact us.
During Regular Business Hours:
Call your local Patriot Bank branch directly at (901) 475-3252. Our friendly branch staff are ready to assist you with any inquiries. You can find a list of our branch locations below:
Branch Locations:
- Arlington – 5340 Airline Rd
- Atoka – 11529 Highway 51 South
- Covington – 101 East Pleasant Ave
- Covington – 70 Mueller Brass Rd
- Collierville – 279 Market Blvd
- Memphis – 3535 Austin Peay Hwy
- Millington – 8637 Rosemark Rd
- Millington – 8376 Highway 51 North
After Hours Support:
For after-hours assistance, please contact our dedicated eBanking support team at [email protected].
Important Security Reminder:
Patriot Bank is committed to protecting your financial information. Please remember that email is not a secure method of communication. Never send sensitive personal or account information, such as account numbers, passwords, or PINs, via email. For urgent matters or requests requiring immediate attention, please contact us by phone.
