This is an interest bearing club account for our senior customers (age 50 and over). It requires no minimum balance and there is no monthly maintenance fee (enjoy the advantages of tiered interest rates).

• Age 50 and over
• $100 Minimum Opening Deposit
• No Minimum Balance
• No Service Charge
• Unlimited Check Writing
• Tiered Interest Rate. The Interest Rates and Annual Percentage Yields may change at the Bank's discretion at any time.  
• Instant Cash or Instant Cash & Check Card available upon approval no transaction fees by Patriot Bank Minnesota* 
• No charge for Personalized Checks (standard check design only)
• No charge for Cashier's Checks or Money Orders 
• 25% discount on annual Safe Deposit Box rental
• Internet Banking and Telephone Banking
• On-line Bill Payment
•  Image Statement, which includes Images of all Checks and Deposits
• Deposit and Check Images included with each statement; or an optionally, encrypted password protected statement may be emailed to you
• FDIC Insured

*Patriot Bank Minnesota will not charge our $2 fee for ATM transactions when you use an ATM not owned by us, but if you use an ATM that is not owned or operated by Patriot Bank Minnesota, you may be charged a fee by the owner of the machine and/or by an automated transfer network.