$1.12
-0.45%
2026-09-04 12:20:29 EDT-$0.00
금융 서비스
은행 - 지역
NASDAQ
활발히 거래 중
Patriot National Bancorp, Inc.는 Patriot Bank, N.A.의 지주회사로서 지역사회 은행 솔루션을 전반적으로 제공한다. 이들 서비스는 개인, 중소 규모 기업, 전문가를 대상으로 한다. ...
Patriot National Bancorp, Inc.는 Patriot Bank, N.A.의 지주회사로서 지역사회 은행 솔루션을 전반적으로 제공한다. 이들 서비스는 개인, 중소 규모 기업, 전문가를 대상으로 한다. ...
Personal checking accounts offering easy access to funds, debit card, free online banking, bill payment, and remote deposit capture. Options include interest-bearing NOW accounts and standard checking with no or low monthly fees based on balance.
가격대: No monthly fee with minimum balance of $500; free with direct deposit
페인 포인트: Need for convenient, quick access to money; writing checks; managing cash flow
솔루션: Liquidity, security (FDIC insured), digital tools for budgeting and tracking
대상 사용자: Individuals and households in CT and NY markets
Tailored for small businesses, offering 200 free transactions per month, digital banking, debit card, and low minimum deposit. Allows business owners to manage cash flow efficiently.
가격대: Low opening deposit; monthly fee waived with minimum balance of $1,500
페인 포인트: High transaction fees from other banks; limited digital tools for small businesses
솔루션: Cost-effective transaction processing, business debit card, remote deposit capture
대상 사용자: Small business owners and startups in Connecticut and New York
A hybrid account combining benefits of savings and checking, offering higher interest rates than regular savings, with debit card and check-writing privileges (limited to six withdrawals per month).
가격대: Interest rate varies; minimum balance of $2,500 to avoid monthly fee
페인 포인트: Low returns on regular savings; need for both growth and access to funds
솔루션: Better interest rate, FDIC insurance, limited transaction flexibility
대상 사용자: Savers seeking higher yields with moderate liquidity needs
Standard savings account for depositing and accumulating funds, earning moderate interest. Accessible via online banking, ATM, or branch. No monthly fees with minimum balance.
가격대: No monthly fee with $300 minimum daily balance; interest rate 0.01% APY
페인 포인트: Need to separate spending money from savings; earning some interest on idle cash
솔루션: Secure storage, easy transfers to checking, FDIC insurance
대상 사용자: Individuals looking to save for short-term goals or establish a savings habit
Time deposits with terms ranging from 3 months to 5 years. Fixed interest rate ensures predictable returns. Early withdrawal penalties apply. Minimum deposit required.
가격대: Interest rates vary by term; minimum deposit $1,000
페인 포인트: Need for guaranteed returns and capital preservation; desire to lock in current rates
솔루션: Guaranteed interest rate, FDIC insurance, defined maturity
대상 사용자: Conservative investors and savers with a specific time horizon
Self-directed IRAs allowing tax-deferred (Traditional) or tax-free (Roth) growth. Contributions subject to IRS limits. Available as savings or CD IRAs. No annual fee.
가격대: No annual fee; minimum deposit $500
페인 포인트: Need to save for retirement with tax benefits; complexity of managing retirement funds
솔루션: Tax deferral/tax-free growth, FDIC insurance for bank IRAs, professional guidance
대상 사용자: Individuals planning for retirement, both early-career and pre-retirees
HSAs allow pre-tax contributions, tax-free growth, and tax-free withdrawals for eligible medical expenses. Funds roll over year to year. Online access and debit card provided.
가격대: No monthly fee; minimum opening deposit $100
페인 포인트: High out-of-pocket medical costs; need for tax-efficient healthcare savings
솔루션: Triple tax advantage, FDIC insurance, debit card for medical payments
대상 사용자: Individuals enrolled in high-deductible health plans, often employed or self-employed
Commercial mortgages for acquisition, refinance, or construction of commercial real estate. Terms up to 25 years, amortized, with fixed or adjustable rates. Loan amounts based on property value and cash flow.
가격대: Interest rates vary; typical loan-to-value up to 75%
페인 포인트: High capital requirement for property acquisition; need for long-term financing
솔루션: Customized loan structures, competitive rates, local decision-making
대상 사용자: Real estate investors, small business owners, property developers in CT and NY
Term loans, lines of credit, and SBA-backed financing for small businesses. Funds can be used for startup costs, inventory, equipment, or business acquisition. U.S. SBA guarantees reduce risk.
가격대: Interest rates vary; SBA loans have maximum rates set by SBA
페인 포인트: Difficulty accessing affordable financing; insufficient cash flow for growth
솔루션: Flexible terms, government guarantee for SBA loans, local relationship banking
대상 사용자: Small to medium-sized businesses in Fairfield, New Haven, and Westchester counties
Unsecured or secured consumer loans for various purposes including debt consolidation, home improvements, major purchases, or emergencies. Competitive fixed rates, fixed monthly payments.
가격대: APR from 6.99% to 18% depending on credit; no origination fees
페인 포인트: Need for immediate funds; high credit card interest rates; lack of collateral options
솔루션: Fixed payments, lower interest rates compared to credit cards, convenient application
대상 사용자: Consumer households in the bank's market area seeking personal financing
Robust online banking system allowing customers to view balances, transfer funds, pay bills, manage debit cards, view statements, and set alerts. Available via web and mobile app.
가격대: Free with any deposit account
페인 포인트: Inconvenience of branch visits; need for real-time account access and control
솔루션: Convenience, 24/7 access, paperless transactions, security features
대상 사용자: All retail and business customers who prefer digital channels
Mobile app offering balance inquiries, fund transfers, mobile check deposit, ATM locator, and Apple Pay integration. Biometric login (fingerprint/Face ID). Notifications for transactions.
가격대: Free with account; standard data charges may apply
페인 포인트: Need to deposit checks without visiting branch; time-saving; immediate access
솔루션: Mobile check deposit, push alerts, Apple Pay, card management
대상 사용자: Tech-savvy consumers and small business owners seeking flexibility
Debit card linked to checking account, usable at merchants and ATMs worldwide. Includes chip technology and contactless payments (Apple Pay, Google Pay). Zero liability for unauthorized transactions.
가격대: No annual fee; out-of-network ATM fees may apply
페인 포인트: Need to carry cash; convenience of electronic payments; cash access at ATMs
솔루션: Fast payment method, fraud protection, worldwide acceptance
대상 사용자: All checking account customers
Visa and Mastercard credit cards offering balance transfers, cash back rewards, and introductory 0% APR periods. Credit limits based on creditworthiness. Online account management.
가격대: APR variable from 14.99% to 24.99%; no annual fee options
페인 포인트: Need for revolving credit line; earning rewards on spending; managing cash flow
솔루션: Credit line, rewards program, fraud protection, grace period
대상 사용자: Individuals and businesses with good credit seeking payment flexibility
Suite of cash management tools for businesses including automated clearing house (ACH) payments and collections, lockbox for check receivables, remote deposit capture (RDC) for check scanning from office, wire transfers, and positive pay fraud prevention.
가격대: Monthly fees vary per service; transaction-based pricing
페인 포인트: Manual check handling; slow payment processing; fraud risk; limited control over cash position
솔루션: Automated payment processing, improved cash flow visibility, reduced operational costs
대상 사용자: Medium to large businesses, municipalities, and non-profits with high transaction volumes