Available nationwide, Patriot Bank Money Market Deposit Account is offering a 4.00% APY rate + up to $1500 bonus powered by Raisin.
Update 2/27/26: The rate has decreased to 4.00% APY. You can currently earn up to $1500 bonus through 3/31/26!
- Start earning more with Raisin — including up to a $1,500 cash bonus. Open an account using code HEADSTART by March 31 and make a qualifying deposit. Valid for new customers only.
- Select a savings offer and sign up: Choose and fund at least one high-yield savings account or CD on the Raisin platform to get started. Be sure to enter bonus code HEADSTART during sign-up to be eligible for a cash bonus.
- Deposit funds: The more you save, the more you can earn. Make a qualifying deposit(s) within 14 days of opening your account to set your bonus tier.
- Deposit $10,000 – $24,499, earns a $70 cash bonus
- Deposit $25,000 – $49,999 earns a $175 cash bonus
- Deposit $50,000 – $99,999 earns a $350 cash bonus
- Deposit $100,000 – $199,999 earns a $750 cash bonus
- Deposit $200,000 or more earns a $1,500 cash bonus
- Maintain your deposit(s): Maintain your deposit(s) for 90 days from your first deposit date to earn your bonus.
Terms:
- New customers only. Earn a cash bonus when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive $70 for depositing between $10,000 and $24,499, $175 for depositing between $25,000 and $49,999, $350 for depositing between $50,000 and $99,999, and $750 for depositing between $100,000 and $199,999, and $1,500 for depositing $200,000 or more. To qualify for the bonus, your first deposit must be initiated between January 15, 2026, and March 31, 2026, by 11:59 PM ET, and the promo code HEADSTART must be entered at the time of sign-up. Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days will be eligible for this bonus. Bonus cash will be credited directly to your Cash Account within 30 of meeting all qualifying terms. This offer is available to new customers only and may not be combined with any other bonus offers. Raisin may modify or end this offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of these terms or Raisin’s Terms of Service.
About Patriot Bank Money Market Deposit
Since they opened their doors in 1994, Patriot Bank’s mission has been to serve their local communities by helping their neighbors and neighborhood businesses thrive.
Additionally, they believe a well-connected community is a strong community—and that together, they can accomplish more in less time.
Being an online account, they can offer one of the highest rates! The account gives you access to online banking, eStatements, mobile banking, text alerts, and so much more.
| Balance Requirement | APY Rate |
| $0.01+ | 4.00% APY |
Patriot Bank Money Market Deposit Rate
To earn Patriot Bank’s competitive rate, simply have an opening deposit of $1. That’s all it takes and you’ll get to enjoy earning the rate on all balances.
- Account Type: Money Market Deposit
- Interest Rate: 4.00% APY
- Minimum Balance: None
- Maximum Balance: None
- Availability: Nationwide
- Credit Inquiry: None
- Opening Deposit: $1 minimum
- Credit Card Funding: None
- Monthly Fee: No monthly service fees
- Early Termination Fee: None
(FDIC Insured)
Patriot Bank ACH Capabilities & Limits
| ACH Type | Speed | Daily $ Limit | Monthly $ Limit | Notes |
| Push | ? | ? | ? | ? |
| Pull | ? | ? | ? | ? |
Editor’s Note: Help us with the table above in the comment section if you have experience with Patriot Bank’s ACH capabilities.
How To Open An Account At Patriot Bank
- Click this promotional link here and hit “Start Savings”
- Create an account by entering your personal information, including your full name and email. Select Continue.
- Confirm your email address.
- Input your date of birth, Social Security number and additional contact details. Hit Continue.
- Review and submit your application.
- Keep an opening deposit of $1+ to earn the 4.00% APY rate.
Why You Should Sign Up For This Account
- $1 minimum opening deposit
- Tiered rates, meaning the more you save the more interest you can earn
- Easy online account opening process
- Withdrawals can be made at ATMs, Patriot branches, and through online and mobile banking
- You’re not locked in so you can withdraw money as needed
- Link your account to a Patriot Bank checking account or a checking account at another bank for easy transfers
Bottom Line
Check out Patriot Bank and open a Money Market Deposit account this amazing rate! The fact that you can earn a high rate on any balance makes this Savings Account all worthwhile. Let us know about your experience with this bank and comment below.
For more bank offers, see the complete list of Best Bank Rates!
Interested in Bank Bonuses? See our favorite banks including U.S. Bank, BMO, Chase Bank, Huntington Bank, TD Bank, or CIT Bank.
Check back often to see the latest info on Patriot Bank Online Savings Account.
$25 for first $5000 and $5 for the next, etc. Cheap.
Tell me more about your bank and are you located in Florida?
It is 2.00% APY today.
Spoke with CSR after opening account and all ACH transfers are limited to $10,000 each, regardless of where the transfer is initiated (Patriot or external bank)