Earn 2.01% APY1 with Super Reward Checking!

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Our most popular account:

Super Reward Checking is a free account that earns our highest dividend rate and has free transactions at any ATM.

  • Pays 2.01%APY1
  • No minimum balance
  • No monthly service fees
  • ATM fee rebates2

Dividends paid: 2.01% APY¹ on balances $0.01 – $25,000; 0.08% APY¹ on balances $25,001 and over; 0% APY if requirements are not met.

All Checking Accounts Feature:

  • No ATM fees at over 34,000 CO-OP® and 23,000 MoneyPass® ATMs
  • Free online and mobile banking
  • Free bill pay
  • Deposit checks remotely with e-Deposit3
  • More features

See all checking accounts.


To earn the dividend rewards and ATM rebates, simply do these three things:4

  1. Make purchases of $300 or more using a Provident debit and/or credit card per month5, 6
  2. Have a monthly direct deposit or ACH transfer (automatic debit or credit) post to the account
  3. Maintain enrollment in e-Documents
Super Reward Tracking video [icon]

Track Your Super Reward Requirements

Watch this video about tracking your progress towards meeting the monthly requirements.


Start Now!

To open a new checking account, Apply Online or complete an Application Form that you can print out and mail to us with your deposit.

To receive an application by mail, call (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.


The minimum deposit required to open a Super Reward Checking account is $25. To qualify you must also be a member, 18 or older and have a valid e-mail address. Limit 1 (one) Super Reward Checking account per membership.
1) Annual Percentage Yield (APY) is effective as of September 22, 2017 and may change anytime.
2) If your account qualifies, we will rebate each nationwide ATM surcharge fee totaling up to $12 per month. Rebates will be deposited into the qualifying account on the first of the following month.
3) Members must meet all of the eligibility criteria in order to have access to the e-Deposit service.
4) These are the requirements to receive 2.01% APY on balances up to $25,000, 0.08% APY on balances beyond the first $25,000, and ATM rebates. If the 3 requirements are not met in their entirety, the APY will be 0% and no ATM rebates will be issued for that month. IMPORTANT: All qualifying purchases and transactions referred to as "per month" or "monthly" only count towards the requirement of the month in which they POST, which will be on a business day (Monday – Friday) and may take one or more business days from the purchase/transaction date.
5) Automatic or electronic payments using your checking account and routing number are not considered purchases. By providing your payee with your debit or credit card number, your posted automatic payments will be counted as eligible purchases. Debit card cash-back amounts, cash advances on credit cards, and checks do not count towards qualifications.
6) Only one Visa credit card can have its purchases count towards your qualifications each month (whichever one that is selected on the account on the last business day of the month). If you have more than one Super Reward Checking account, credit card purchases on one credit card cannot meet the requirements of more than one checking account.
(800) 632-4600

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For electronic payments: More Info

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