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Online Banking

1450 Union University Dr
Jackson, TN 38305


Resource Center

General FAQs

Is the name Patriot Equity Credit Union™ or Patriot Equity Federal Credit Union™?

Our legal name is Patriot Equity Credit Union™, but we go by Patriot Equity, or Patriot, for ease of marketing. We are a state chartered credit union, which means we are insured by NCUA, a U.S. Government Agency, and regulated by the State of Tennessee - Department of Financial Institutions and NCUA.

What is Patriot Equity™ Credit Union’s routing number?

Patriot Equity™ Credit Union’s routing number is 284383954.

I recently moved, how do I change my address?

To change the address we have on file, simply let us know of your new address. You can call, come into a branch, mail us a letter, or email via Online Banking to notify us of this change.

*We also recommend that you update your home phone, cell phone and email address at this time too.

How can I request a free credit report?

There are three convenient ways to request a credit report: Online – Phone – 877.322.8228 Mail – Annual Credit Report Request Service: PO Box 105281, Atlanta, GA 30348-5281

When I make a deposit, when will it be credited to my account?

Most deposits are immediately available except rare and special circumstances where a hold must be placed to verify funds, but we will tell you in advance if the deposit is made in person. Otherwise, we will mail you a notification.

ATM deposits usually hold all but the first $50 of the deposit amount until the next business day to avoid keying errors or fraud.

How do I send/receive a wire transfer?

A wire transfer is an electronic transfer of money. No actual cash is exchanged, but electronic balances in the respective accounts are adjusted accordingly. This is a very secure way to transfer funds. Positive identification is required when sending a wire.

Are my Patriot Equity™ Credit Union deposit accounts covered by NCUA insurance?

Yes, your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, through the National Credit Union Administration. For more information about NCUA insurance coverage of transaction accounts, visit

What is Patriot Equity™ Credit Union’s fax number?

Our fax number is 731.668.3673.

Online Banking FAQs

How do I change my Online Banking password?

Contact us at 731-668-1155.

Can I view my checks online?

While viewing your account history, you can click on a specific check number that has cleared your account and the check image will appear in a separate window.

Why are some of my accounts not showing up online?

It’s possible to connect all of your Patriot Equity accounts so that you can see everything with just one login. Please contact a Member Service Representative for more details and to get set up this way.

Can I receive alerts through online banking?

Yes. You can receive alerts for transfers and security/password updates.

Personal Banking FAQs

Do you offer FREE checking?

Yes, at a time when large financial institutions are eliminating free checking, Patriot Equity continues to offer our members the Equity Basic option that is free of charge; however, to add a debit card is a $2 fee.

Bill Pay FAQs

What is Bill Pay?

Online bill pay is an electronic payment service that allows you to set up a secure online account to make one-time or recurring bill payments.

Is Bill Pay available with my account?

Bill Pay is available with our Easy Equity, Equity Plus, Equity Premium, and Student Equity Checking accounts.

How do I access Bill Pay?

Sign into your online banking, click the Bill Payment tab, and follow the steps for the type of Bill Payment you are wanting to do.

How much does Bill Pay cost?

If available with your account, Bill Pay is included with the monthly fee you already pay for your account.

Debit Card FAQs

How do I get a Debit Card and what are the charges?

Most accounts offer a free debit card to members whose accounts are in good standing. Some accounts offer the debit card available for a small fee. You make the choice. Click here to see a list of available accounts and associated fees.

How long does it take to get my debit card?

Once your debit card is ordered, you should receive your card by mail within 7-10 business days. Please note, the card comes in a plain white envelope with an activation sticker giving instructions on how to activate the card. Once received, you are ready to activate! Simply complete a balance inquiry or transaction from any ATM and you’re set. Don’t forget to sign the back of your card.

What happens when my card expires?

The card expiration date is located on the front of your card. Mid-month of the month of expiration, you will receive your new card in the mail in a plain white envelope. You will NOT receive a new PIN as the PIN will not change. Your new card will be our new EMV CHIP card, with a new look and the chip visible just above the first four numbers of your card number. Your PIN number may still be required at purchase depending on the merchant preference, but these provide extra protection against fraud. Still be cautious with on-line purchases. Make sure you trust the merchant and web-site.

If I travel, do I need to do anything differently to make sure my card works properly?

Yes! Please call our office, 731-668-1155 and let us know the dates of your travel and your destination.

If I travel, how can I locate an ATM that accepts my card?

As a member of Patriot, you have access to over 28,000 ATMs nationwide through our CO-OP membership. Follow the link from our website to locate an ATM near you.

How can I get a replacement debit card?

If your card has been lost or stolen, contact the credit union immediately at 731-668-1155.

I have forgotten my PIN. How can I change it?

Call 1-800-757-9848 at any time to change your PIN.

eStatement FAQs

How do eStatements work?

Patriot Equity offers the option to view your checking account and savings statements online instead of receiving paper statements. You will receive an email from Patriot Equity when your statement is ready to view, or just click Self Service tab then the eStatement tab within Online Banking.

To begin receiving eStatements, sign into Online Banking, click on the Self Service Tab then the eStatement tab, enter your first name, last name, and email address, accept terms and conditions, and submit.

Is this option available with my account?

The eStatement is available with our Easy Equity, Equity Plus, Equity Premium, and Student Equity Checking accounts.

Is there a cost associated with receiving eStatements?

If available with your account, eStatements are included with the monthly fee you already pay for your account.

How often will I receive an email notification?

Each time your statement becomes available, you will receive an email notification for each account signed up for eStatements.

How do I view eStatements online?

To view your eStatements, sign in to Online Banking and click Self Service then eStatement tab.

Will my eStatements look the same as the paper one I receive?

Yes, your eStatement will be in the same format and will contain the same information as your printed statement. It is legally acceptable, even for record keeping purposes. You can also print an eStatement in the same format as a standard paper statement.

Will I stop receiving paper statements for my account?

Yes, any account receiving eStatements will not receive paper statements.

What should I do if I do not receive my eStatement notification?

If you have not received an email notification that your statement is available to view online, the email address on file may not be current. Please verify that the email within Online Banking is correct. If your email address is correct and you are still not receiving your eStatement notification, call and speak with a Member Service Representative at 731-668-1155.

How do I change the email address to which my eStatement notifications are sent?

Give us a call at 731-668-1155 to update your email address in our system.

What if I sign up for eStatements and then decide I would like to receive paper statements again?

You may start receiving paper statements at any time; however, the monthly service charge may change.

Wire Instructions

If you want to send a wire to us?

Patriot Equity’s wire instructions are as follows:

Volunteer Corporate Credit Union
ABA or ROUTE NUMBER 264182395
2460 Atrium Way
Nashville, TN 37214

Further Credit To:
Patriot Equity Credit Union
1450 Union University Drive
Jackson, TN 38305

THIRD PARTY SITE DISCLAIMER - By accessing the noted link you will be leaving the Patriot Equity CU website and entering a website hosted by another party. Patriot Equity CU has not approved this as a reliable partner site. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the Patriot Equity CU website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Patriot Equity CU. CLICK CONTINUE OR CLICK CANCEL TO ABORT

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