• Business Accounts
  • Business Credit Products
  • Cash Management

Business Banking

Business Accounts

Free Small Business Checking

Simple, straightforward checking designed for business and not-for-profits with low to moderate activity. If your business or organization writes fewer than 40 checks per month and deposits fewer than 100 items per month, this is the account solution that will meet your needs.

  • $100 minimum opening deposit
  • No minimum balance requirement
  • 100 free items per statement cycle, $0.25 each item over 100 per statement cycle
  • Free Business Visa Check card (upon approval)
  • Free Online Banking or Online Bill Pay
  • Online Cash Management available (upon approval)
  • Image Statement with Check Copies
  • eStatements available

Commercial Checking (Account Analysis)

An analyzed, non-interest bearing account designed for corporations and businesses needing the flexibility of unlimited transactions and the ability to offset service charges with an earnings credit applied to their company's account balances.

  • $100 minimum opening deposit
  • No minimum balance requirement
  • $7.00 monthly maintenance fee
  • $0.15 per item (check or debit)
  • $0.30 per item (deposit or credit)
  • $0.05 per item deposited
  • Free Business Visa Check card (upon approval)
  • Free Online Banking or Online Bill Pay
  • Online Cash Management available (upon approval)
  • Earnings Credit can offset some or all monthly fees
  • Tiered interest compounded monthly
  • Image Statement with Check Copies
  • eStatements available

Commercial Money Market

A Commercial Money Market Savings Account rewards high balance savers with competitive money market rates and offers a tiered interest rate structure. With our money market accounts, your business earns higher interest rates than traditional savings accounts and includes checkwriting capabilities.

  • Online Cash Management available (upon approval)
  • Visa Debit card
  • Free ATM access at Patriot Bank locations
  • 24-Hour Information Line access
  • Deposit Bag
  • Earns interest
  • Tiered interest compounded monthly
  • Image Statement with Check Copies
  • eStatements available

Privacy and Disclosures 

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Patriot Bank knows that each business has special and unique demands. That's why we offer flexible banking services that can be customized to meet the changing needs of your business.

Each Patriot Bank commercial account is assigned a personal banker to work closely with your company's financial officer; a local decision maker who will respond quickly with customer solutions for your commercial needs.
 

Business Credit Products

Business Lines of Credit

Advancing or revolving credit facility that allows the borrower to advance funds for the short-term cash needs of their business. Possible uses include working capital loans, accounts receivable financing and inventory financing. 
 

Business Term Loans

Loans that require an intermediate repayment period but are within the useful life of the underlying business asset. Possible uses include equipment purchases, debt refinancing, replenish working capital, stock purchases and company acquisitions.
 

Commercial Real Estate Loans

Term loans used to finance the development or purchase of real estate. Useful sources include the construction or purchase of a building, expansion or improvements to a current building site and land development.
 

Government Guaranteed Loans

Loans to small businesses in need of a credit enhancement typically offered by the Small Business Administration or United States Department of Agriculture.


Business Credit Card

We make it easy to choose the credit card that is right for you. Our Business Visa® Card is available in two options, Standard Card with no annual fee or the Preferred Points Card.


Business Card Standard Card

Benefits
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection.
Features
  • No annual fee.
  • Competitive ongoing APR.*
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Individual and summary billing options.
 Fees

 
Business Card Preferred Points

 Benefits
  • Use your Preferred Points Card to earn points that you can redeem for rewards.  Earn one point for each dollar spent, up to 10,000 points per month.
  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection.
Features
  • Low annual fee of $49.00 per account.
  • Competitive ongoing APR.*
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.
  • Individual billing option only.
Fees

 

To Apply Now

  • Download the PDF of the application.
  • Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen.
  • Supporting documents vary depending on the type of business you have. See chart below.
  • Fax your completed application to the Card Service Center at 972-650-7054.

Or mail your completed application to:

Card Service Center
PO Box 569120
Dallas, TX 75356-9120

*Please see application for information about current APRs and fees.


Supporting Documents for Your Card Application
  Sole Proprietor Partnership Private Corporation Public Corporation Non-Profit
Application * * * *

*

Organizational Papers * * * * *
Borrowing Resolution   * * * *
Financial Statements   * * * *
Personal Guaranty * * *    
Personal Tax Returns * * *    

 

 Mortgage Loan Originators

Ryan Yates NMLS #1058119
Jared Goldfarb NMLS #788829
Philip Houchin NMLS #786758
Jay Morey   NMLS #451781

 

Personal Financial Statement 

Download your Personal Financial Statement template to help track your finances and simplify the loan application process.

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Cash Management

Online Cash Management

Patriot Bank offers an array of secure and convenient Online Cash Management tools to help you manage your business. Enjoy online access anytime, anywhere to keep your finger on the pulse of your financials.

  • Wire Transfer Initiation**
  • ACH Transfer Origination**
  • eStatements
  • QuickBooks Connectivity
  • Account Alerts
  • Remote Deposit Capture**
  • Merchant Services

**Subject to Approval

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