Welcome New Members

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Thank You for Joining

Provident Credit Union welcomes you, our newest member! We look forward to serving your financial needs. Remember, your money is safe at Provident, and there are many benefits of having a Provident membership.

To get you started, we have highlighted some information, products, and services to help make life easy.

Find Locations 

Provident has 19 branch locations—mostly around the Bay Area and one in Folsom. In addition, Provident members my use over 5,000 credit union branches nationwide that participate in the CO-OP Shared Branch network. Use Provident's Locations Map or Mobile Banking app to find a branch.

Like the Shared Branches, CO-OP's network of nearly 30,000 ATMs means you have more direct, surcharge-free access to your money than most traditional bank customers do. ATM terminals within the network can be found at many credit unions and select retail locations including 7-Eleven®, Walgreens, and Costco®.

To find the closest surcharge-free ATM near you, use Provident's Locations Map or Mobile Banking app, and make sure the "Surcharge Free" checkbox is checked.

That's not all. Provident members can use these networks surcharge-free:

Network Locations
Nearly 30,000 CO-OP Network ATMs nationwide (including over 5,500 ATMs in 7-Eleven stores). Provident deposits accepted at many of these locations.
Over 23,000 MoneyPass ATMs nationwide (including at US Bank, Dunkin’ Donuts, Walgreens, and more).
Over 4,900 Alliance One ATMs in 43 states nationwide.

Get ATM Fee Rebates

Want to avoid all ATM fees at any nationwide ATM? You can if you have a Provident Credit Union Super Reward Checking account. This free account pays high dividends and includes ATM surcharge rebates on third-party surcharges—up to $12.00 per month—at any nationwide ATM. So if you happen to use an ATM that charges a fee, we have you covered.

To get these benefits with Super Reward Checking, you must meet some minimal monthly requirements (see Super Reward Checking

Deposit Insurance

All Provident Credit Union deposits are federally insured to at least $250,000 per member (in addition to a separate $250,000 insurance for IRAs) by the National Credit Union Administration (NCUA), a United States Government agency. This agency charters and supervises federal credit unions and insures savings in federal credit unions and most state-chartered credit unions across the country through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government.