Checking Accounts
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All Provident Credit Union checking accounts offer:
- Free Visa Check Card
- Over 25,000 surcharge-free ATMs
- Free online access through Account Manager
- Free online bill payment with Bill Manager
- (Coming Soon) Manage your accounts, including those at other financial institutions, in one place to help you meet your budgeting and saving goals with FinanceWorks
- No per-check fees
- Zero Liability Fraud Protection Guarantee
- Courtesy Pay and Overdraft Protection: Your checks, ATM withdrawals, automatic payments, Bill Manager payments, and Check Card purchases are covered even if you don't have enough funds in any of your Provident Accounts (click for details, restrictions apply, not available for Youth Checking).
- Earn reward points towards travel and merchandise
through CURewards,
every time you perform a signature (i.e. non-PIN) transaction with your Check Card.
Every $5 in purchases earns one point, plus new checking accounts get an extra 1,000 points.
Click here to see how many
points you've earned, redeem your points, or browse the catalog.
To see which checking account is right for you, click on one of the following checking account types:
Our newest checking account, Super Reward Checking offers all the best features you would want in a checking account and more, with no monthly service charge. This account rewards you for using the electronic convenience features that are benefits in and of themselves. Other features include:
- High Yield Dividends (currently 2.51% APY) on balances up to $25,000
- Unlimited ATM use, with no Provident surcharge.
- ATM Surcharge Rebates: Up to $2.50 rebate per single transaction on any third-party surcharges at any ATM
- Free Overdraft Protection*
- No Fee travelers checks, money orders, and corporate checks
You'll receive the high dividends monthly, when the following requirements are met:**
- 10 Check Card transactions per month (PIN- or signature-based, not including ATM transactions)
- Direct Deposit of your paycheck (at least monthly) or 1 ACH credit or debit per month
- E-Statements enrollment (you receive all your monthly statements through online banking)
Rates Apply
* In the event of an overdraft, if you have selected certain accounts to be used for overdraft, and the funds are available they are automatically transferred from your other accounts. If you do not have funds available we offer Courtesy Pay (there is a per-item fee for Courtesy Pay).
** All transactions referred to as "per month" or "monthly" must be posted within the monthly qualification cycle which ends on the second to last business day of the month. Posting date may be later than the date of the transaction. If these requirements are not met in their entirety, Annual Percentage Yield (APY) paid will be 0.10% and no ATM rebates will be issued for that cycle.
The ideal full service
checking account if you want to avoid monthly fees without keeping a
minimum balance in your checking account. This account includes the following bonus features:
- Free Provident checks (re-order 1 box at a time)
- Free Overdraft Protection*
- No Fee travelers checks, money orders, and corporate checks
Provident Checking has no monthly fee** if one of the following is maintained:
- Combined balances: minimum $2,500 in savings and checking at Provident
- Automatic transfer† or direct deposit: minimum $1,000 per month
- Bill Manager: minimum 2 bill payments per month
Rates Apply
* In the event of an overdraft, if you have selected certain accounts to be used for overdraft, and the funds are available they are automatically transferred from your other accounts. If you do not have funds available we offer Courtesy Pay (there is a per-item fee for Courtesy Pay). ** There is monthly fee when none of these conditions are met.
† Automatic transfer to a Provident Checking account from an outside source (example: another bank, mutual fund, trust account, etc.). Funds cannot be from another Provident account.
This is a special checking account for members with a Provident Credit Union first Mortgage. There is no monthly fee, as long as you have your payments for that mortgage automatically deducted from this account,* and we'll reward you with the following bonus features:
- ATM Surcharge Rebates: Up to $2.50 rebate per single transaction on any third-party surcharges at any ATM.
- Free Provident checks (re-order 1 box at a time)
- Free Overdraft Protection**
- No Fee travelers checks, money orders, and corporate checks
Apply
Mortgage Checking will convert to another
type of checking account if mortgage is paid off. Account also includes unlimited
surcharge rebates on membership savings account. Rebates will be deposited into applicable account on the next monthly statement.
* There is a monthly fee if automatic payments are stopped.
** In the event of an overdraft, if you have selected certain accounts to be used for overdraft, and the funds are available they are automatically transferred from your other accounts. If you do not have funds available we offer Courtesy Pay (there is a per-item fee for Courtesy Pay).
Choose the checking account that is right for your business:*
Basic Business Checking Account
This account is ideal for start-ups and smaller businesses. It provides a low cost solution designed for the business with a limited number of transactions and little or no need for cash.
Basic Business Checking features:
- A basic package with all the business banking essentials
- Pays dividends
- $7,500 minimum daily balance
- Fewer than 200 checks paid each month
- No monthly service charge when the minimum daily balance is maintained
- Many free and discounted banking services
Enhanced Business Checking Account
This account is designed for the established business with a moderate number of transactions and little or no need for cash. Enhanced Checking is our premium package which includes additional banking services at no extra charge.
Enhanced Business Checking features:
- An enhanced business package with all the business banking essentials
- Pays dividends
- $10,000 minimum daily balance
- Fewer than 275 checks paid each month
- No monthly service charge when the minimum daily balance is maintained
- Many free and discounted banking services
Rates Apply
* Business Savings Account required to open either business checking account.
Youths 13-17 can open a checking account, giving them the ability to maintain their own finances. The account includes a free debit card, Reward points, overdraft protection* and free, convenient ATM access. Help your teen learn to manage their personal finances with this easy-to-use no-monthly-service-fee checking account.
Apply Youth Accounts
* In the event of an overdraft, if you have selected certain accounts to be used for overdraft, and the funds are available they are automatically transferred from your other accounts.
Enjoy a great checking account designed especially for college students. After all, you need a way to pay for tuition and
other expenses. And what better way than with the flexibility of a checking account with convenient access to your money, no minimum balance requirement and no monthly service fee.* You also get:
Apply Provident College Student Programs
* Monthly service fee waiver continues as long as student is enrolled in college and makes monthly deposits or has a Provident Credit Union parent relationship. Maximum 5-year Provident Credit Union parent relationship service fee waiver. * In the event of an overdraft, if you have selected certain accounts to be used for overdraft, and the funds are available they are automatically transferred from your other accounts. If you do not have funds available we offer Courtesy Pay (there is a per-item fee for Courtesy Pay).
The ideal checking account if you want to avoid monthly service fees and you want a basic no-frills checking account without having to have any additional savings or services. This account includes the following:
Apply
* In the event of an overdraft, if you have selected certain accounts to be used for overdraft, and the funds are available they are automatically transferred from your other accounts and are subject to a per-item overdraft fee. If you do not have funds available we offer Courtesy Pay, which is also subject to a per-item fee.
Provident's Health Savings Account (HSA) works like a checking account but government rules determine whether you are eligible and how you operate your account.
HSAs are sometimes referred to as "Medical IRAs". An HSA is a tax-deductible savings account that can be used to pay for a wide variety of health expenses. An HSA is a great way to save for both day–to–day and future medical expenses. For many consumers, the combined benefits of the tax deduction, the savings program, and the availability of funds for immediate medical expenses make HSAs the smart and flexible approach to health insurance.
For more information, visit our Health Savings Account (HSA) page.
Apply Now!
To open a new checking account,
complete an Application Form that
you can print out and mail to us with your deposit. You can also use the form on that page to request
a Check Card for your existing checking account.
To open a new Health Savings Account,
use the forms on the Health Coverage application page.
To receive an application by mail, call (650) 508-0300 or (800) 632-4600 or send
an e-mail to one of our friendly Member Support Representatives. Or
visit any one
of our Branches for personal service.
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