• Review your savings, checking, loan, and credit card balances and account histories
• Filter your account history in various ways, to see just the transactions you care about
• Check a summary of your savings, checking, loan, and credit card balances and account histories
• Pay bills automatically online with Bill Manager
• Manage your accounts, including those at other financial institutions, in one place to help you meet your budgeting and saving goals with FinanceWorks
• Make transfers between accounts, including your Visa and loans
• Make transfers to relatives, roommates, etc. To set up, use the Cross Account Transfer Consent Form
• Transfer funds between your accounts at different financial institutions
• Withdraw funds via a check mailed to your home
• Reorder checks, stop payments on existing checks
• Securely mail messages to and from Provident
• Receive e-mailed alerts about your account
• Check your year-to-date earned dividends for all savings and checking accounts
• Change your password for Account Manager
• Change your contact information online (phone, address, and e-mail)
• Zero Liability Fraud Protection Guarantee

The following videos are provided to help you learn how to enroll in an use Account Manager (online banking):

	Enrolling in Online Banking This video demo will show you step-by-step how to enroll in, and sign onto, Provident's online banking system. (running time: 04:13)
	Online Banking Tour, Part 1 This first of two parts demonstrates the core pages of online banking that people tend to use the most. (running time: 03:46)
	Online Banking Tour, Part 2 This second part explores additional pages of Account Manager that were not covered in the first part. (running time: 02:51)

Click on the headings below for more about online banking with Provident Credit Union.

With Provident's free Bill Manager, you can pay bills and people, transfer funds electronically between your accounts at different financial institutions, produce budget reports, set up alerts, and more.

To use Bill Manager, you need to be enrolled in Account Manager online banking. Once logged in, click "Manage Bills" on the left-side navigation bar.

Pay Bills

You choose a single merchant or other payee from your personal list, choose several at once, or respond to an online bill that you can see right there. Select when you want it paid and how much it should be, then click the button to send or schedule the payment. You can even set up a recurring schedule of payments for such things as rent, mortgage, loan payments, or subscription to a newspaper or magazine.

Transfer Money

Do you have several accounts at different financial institutions? Bill Manager offers a feature, Money HQ, that will aggregate and display your account balances from other institutions. Each time you visit Money HQ, you can see all your accounts in one place and makes banking with Provident simple and convenient.

Money HQ also offers inter-institution transfers allowing you to transfer funds electronically between your accounts at different financial institutions. Simply set up your accounts and transfer your funds. Plus, Money HQ allows you to make payments to people as well via email. It couldn't be easier.

This Personal Finance Management (PFM) software is easy to use and available at no charge within Account Manager. Use FinanceWorks^TM to take control of your finances and manage all your financial accounts in one place — both here at Provident as well as your other financial institutions.

Easily keep track of what and where you are spending your money, categorize your expenditures, create savings goals, and more.

	FinanceWorks Video Tour Watch this video that provides a comprehensive guided tour of FinanceWorks and all the key features. (running time: approx. 5 min.)
Learn more about FinanceWorks and what it looks like, by using an interactive guide to click on the parts you're interested in and see explanations of the details: View Interactive Demo

View your complete Provident Credit Union statement online in Account Manager, similar to the way it appears when we mail it to you. Get your statement quicker and view your transactions for the entire statement period in one consolidated layout. View statements from past months too (going back as much as 24 months following your e-Document activation). Plus, you'll be helping the environment by reducing the amount of paper used -- and helping yourself by reducing the amount of paper-based mail you have to deal with at home.

Most members love e-Statements as an alternative to paper statements, not only because they represent less clutter, faster access, and the convenience of reading them from any computer, but also because they are a proscription against identity theft. The majority of identity theft happens offline, such as by people stealing your mail or rummaging through your trash. Read more about how using Provident Credit Union online services helps reduce identity theft.

With e-Statements you receive a monthly notification when your statement is ready for viewing (received quarterly if you don't have a checking account). You'll also be able to view a PDF of the latest issue of "Connections", full of member news and specials, from the same page where you access the statements themselves.

When you subscribe to e-Statements, you will also receive another type of e-Document online too, called Account Notices. Account Notices are electronic versions (PDFs) of the same letters and notices that Provident previously had to send through the postal system, including:

• Term Share Certificate Maturity Notice
• IRA Certificate Maturity Notice
• Courtesy Pay Notice and Reminders
• Notice of IRA Account Annual Fee
• Overdraft Notice

You'll get them faster than if we had to send paper through the mail, and because they are stored securely within Account Manager, they can be conveniently accessed any time, up to 180 days after they are sent out.

We'll notify you by e-mail whenever there is an Account Notice available to view. When you get the e-mail, simply sign on to Account Manager, click on the "e-Documents" tab, and click on the "View Documents" button under the Account Notices heading.

If, when you sign on, you have one or more unread Account Notices, it will say so in the upper left corner of the page—even when you are on other pages of Account Manager—and you can just click on the link there to be taken right to them. For urgent messages, such as notices of overdrawn accounts, that link will be shown against a bright yellow background.

Mobile banking is a free service* that allows you to perform several often-used banking functions using your Internet-enabled mobile phone or other handheld device including many PDAs and portable media players. It is optimized for the smaller screens of these devices. There are two ways to use mobile banking: through the Web browser on your phone or other device, or though a piece of software called Mobile Finance Manager (MFM), which you can install on your device.

To see a demo of Provident's mobile banking in action, click on one of the icons below:

Mobile Web Access
iPhone Mobile Web Access
Mobile Finance Manager (MFM)

For more information, check out our Mobile Banking FAQ.

*Your mobile phone carrier may apply separate charges for data services.

Provident Credit Union knows that security is important to you when it comes to online transactions, and we take every safeguard to protect your accounts. Account Manager supports the latest 128 bit encryption to ensure a secure environment for your account access. Unauthorized access is prevented by limiting the number of incorrect log in attempts, by automatically ending a session after 15 minutes of inactivity, and more. The safety of your money and information is of primary concern to Provident.

In May 2007, we also implemented "Multi-Factor Authentication". What this means is that we do not rely on just a User ID and password, but also have complex heuristics that determine if there is anything out of the ordinary about your sign on. If there is, we ask you follow-up questions that only you should know the answers to. Plus, before you enter your password, we show you the picture that you picked previously. In this way, you are assured to be on the real Provident site before you reveal your password. More information about this Enhanced Security Sign On can be found here.

Account Manager now lets you set a more complex password, instead of limiting you to a numeric PIN. Now when you change your password, you can use numbers, upper & lower case letters, and even punctuation. This greatly decreases the chances that anyone else will ever guess your password. And soon you will be able to change your User ID as well.

With our Zero Liability Fraud Protection Guarantee, you can rest assured that in the event your account is compromised, you will not be held accountable for any fraudulent electronic transactions made on your account.

We've designed Account Manager to be very "user friendly". Information is presented clearly, and controls are easy to understand and use. Each page of Account Manager also includes clear instructions and extensive help, to make your use of this powerful online application a snap.