Personal Card Services

Debit Card

Make shopping a snap, even without using cash or your checkbook. Use the MasterCard® Debit Card like a check, without the hassle of writing one. Patriot Bank's Debit Card is accepted everywhere MasterCard® is accepted, and funds are automatically deducted from your checking account.

It works as an ATM Card as well – enjoy access to all Publix/Presto!® machines with no fees!

EMV Chip Cards

Enhanced Security for your Debit Cards

Patriot Bank now offers debit cards with chip technology. The embedded computer chip provides more security and wider international acceptance.

A microchip embedded in every card adds a new layer of protection against fraud for purchases made at the point of sale. Information programmed into the chip is personalized for your account and each transaction generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting.

These cards are already in wide use around the world and are now becoming the standard in the U.S.

Follow these steps to use your card at a chip-enabled terminal:

  1. Insert your card, face up and chip end into the chip-enabled terminal.
  2. Leave the card in the terminal during the entire transaction.
  3. Follow the instructions on the screen and either sign your name or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.

If a merchant isn't using a
new chip-enabled terminal yet.

You will 'swipe' your card to make your purchase, just as you do today. EMV Chip Cards will continue to have the magnetic stripe on the back.

Online or phone
purchases

Provide your card information as you have done in the past. EMV Chip Cards will not change the way payments are made online or by telephone.

At an ATM
The process is essentially the same as at a merchant. Insert your card, leave it in the ATM, and follow the prompts on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card. A PIN is needed for ATM transactions.

Leaving the US?

We're serious about doing all we can to protect you from debit card fraud. That's why we're asking you to call us when you plan to travel outside the U.S. We'll make sure you're able to continue using your card without any problems. It's just one of the many ways we're working to help ensure your security.

Credit Card

Patriot Bank is constantly looking for great new ways to serve our customers better. We have excellent credit card options that you ought to know more about!

If you would like to speak with someone directly, please call us at (727) 376-1776 or visit one of our branch offices.