$475 New Business Account Bonus
Celebrating 75 years with a special offer

Boost Your Business. Earn a $475 Bonus.
We're proud to celebrate 75 years of supporting local businesses and communities. To mark this milestone, we’re offering a $475 bonus when you open a Dividend Business Checking account. It’s just one of the ways we continue to support your business goals and help you build a stronger financial future.
Use promo code SEED475 when applying.
Dividend Business Checking
How to Earn Your $475 Checking Account Bonus122
To qualify, simply complete these three steps.
1. Deposit
Make at least $2,500 in total deposits to your Dividend Business Checking account within the first 60 days of account opening.
2. Make Purchases
Make purchases of $400 or more using a Provident Business debit and/or credit card155 for two consecutive months starting the month following your account opening.
3. Enroll
Enroll in online banking and eDocuments with a valid email address.
Features
- No monthly or annual fees
- Currently paying up to 0.20% APY137 depending on your account balance
- Competitive tiered rate on balances
- No restrictions or transaction limits
- No check or deposit fees
- Free Overdraft Transfer Protection004
- Use your Visa Business card to save on qualifying purchases with Visa Savings Edge
Requirements
- Bring your completed application and required documents to any Provident Credit Union branch
- Must open a Business Membership Savings Account prior to opening a Business Checking Account
- $100 to open. No minimum balance
Open a Business Checking Account and Earn $475
Mention promo code SEED475
Download Business Checking Application
Download and complete Provident's Business Checking account application.
Download Business Account Checklist
Visit a Provident Community Branch
Schedule an appointment at a Provident Community Branch. Bring your completed Business account application and all required documents.
Gather Required Documents
All business accounts must be opened at a Provident branch location. Please select the legal entity of your business to view the required documents to open your new business account(s).
- Valid government-issued ID for each signer
- Employer Identification Number (Sole Proprietor may use SSN)
- Business Account Application/Signature Card (may be completed at branch location)
- All documentation must be available as original documents for copying
- The most recent filing with the state and/or amended version of each document is required
- If you are conducting business as a DBA (“doing business as”) or fictitious name entity, trade name, or assumed name, a copy of the entity’s Fictitious Name Statement must be provided. NOTE: Fictitious Name Statement are filed with and provided by the county where the business has its primary location or operation.
- Business License (or similar permit/certificate)
Download Provident's Business Savings account application. Bring the completed form to a branch near you. | |
Download Provident's Business Checking account application. Bring the completed form to a branch near you. | |
Business Account Checklist(.pdf) | Download Provident's Business account checklist of all documents and information you'll need to open your Provident Business account(s). |
- Valid government-issued ID for each signer
- Employer Identification Number
- Business Account Application/Signature Card (may be completed at branch location)
- All documentation must be available as original documents for copying
- The most recent filing with the state and/or amended version of each document is required
- If you are conducting business as a DBA (“doing business as”) or fictitious name entity, trade name, or assumed name, a copy of the entity’s Fictitious Name Statement must be provided. NOTE: Fictitious Name Statement are filed with and provided by the county where the business has its primary location or operation.
- Partnership Agreement (must show business name and names of partners)
- Statement of Partnership Authority Form GP-1 (Certified by Secretary of State)
Download Provident's Business Savings account application. Bring the completed form to a branch near you. | |
Download Provident's Business Checking account application. Bring the completed form to a branch near you. | |
Business Account Checklist(.pdf) | Download Provident's Business account checklist of all documents and information you'll need to open your Provident Business account(s). |
- Valid government-issued ID for each signer
- Employer Identification Number
- Business Account Application/Signature Card (may be completed at branch location)
- All documentation must be available as original documents for copying
- The most recent filing with the state and/or amended version of each document is required
- If you are conducting business as a DBA (“doing business as”) or fictitious name entity, trade name, or assumed name, a copy of the entity’s Fictitious Name Statement must be provided. NOTE: Fictitious Name Statement are filed with and provided by the county where the business has its primary location or operation.
- Limited Partnership Agreement (must show business name and names of partners)
- Certificate of Limited Partnership (Certified by Secretary of State)*
* Original form not required – Provident Credit Union will verify filing at time of account opening. - For any LP residing outside CA, please provide Foreign (LP) — Certificate of Registration or Certificate of Good Standing.
Download Provident's Business Savings account application. Bring the completed form to a branch near you. | |
Download Provident's Business Checking account application. Bring the completed form to a branch near you. | |
Business Account Checklist(.pdf) | Download Provident's Business account checklist of all documents and information you'll need to open your Provident Business account(s). |
- Valid government-issued ID for each signer
- Employer Identification Number
- Business Account Application/Signature Card (may be completed at branch location)
- All documentation must be available as original documents for copying
- The most recent filing with the state and/or amended version of each document is required
- If you are conducting business as a DBA (“doing business as”) or fictitious name entity, trade name, or assumed name, a copy of the entity’s Fictitious Name Statement must be provided. NOTE: Fictitious Name Statement are filed with and provided by the county where the business has its primary location or operation.
- Limited Liability Partnership Agreement (must show business name and names of partners)
- Certificate of Limited Liability Partnership (Certified by Secretary of State)*
* Original form not required – Provident Credit Union will verify filing at time of account opening. - For any LLP residing outside CA, please provide Foreign (LLP) — Certificate of Registration or Certificate of Good Standing.
Download Provident's Business Savings account application. Bring the completed form to a branch near you. | |
Download Provident's Business Checking account application. Bring the completed form to a branch near you. | |
Business Account Checklist(.pdf) | Download Provident's Business account checklist of all documents and information you'll need to open your Provident Business account(s). |
- Valid government-issued ID for each signer
- Employer Identification Number
- Business Account Application/Signature Card (may be completed at branch location)
- All documentation must be available as original documents for copying
- The most recent filing with the state and/or amended version of each document is required
- If you are conducting business as a DBA (“doing business as”) or fictitious name entity, trade name, or assumed name, a copy of the entity’s Fictitious Name Statement must be provided. NOTE: Fictitious Name Statement are filed with and provided by the county where the business has its primary location or operation.
- Signed Operating Agreement (including modifications or amendments)
- Articles of Organization (Certified by Secretary of State)*
* Original form not required – Provident Credit Union will verify filing at time of account opening. - For any LLC residing outside CA, please provide Foreign (LLC) — Certificate of Registration or Certificate of Good Standing.
Download Provident's Business Savings account application. Bring the completed form to a branch near you. | |
Download Provident's Business Checking account application. Bring the completed form to a branch near you. | |
Business Account Checklist(.pdf) | Download Provident's Business account checklist of all documents and information you'll need to open your Provident Business account(s). |
- Valid government-issued ID for each signer
- Employer Identification Number
- Business Account Application/Signature Card (may be completed at branch location)
- All documentation must be available as original documents for copying
- The most recent filing with the state and/or amended version of each document is required
- If you are conducting business as a DBA (“doing business as”) or fictitious name entity, trade name, or assumed name, a copy of the entity’s Fictitious Name Statement must be provided. NOTE: Fictitious Name Statement are filed with and provided by the county where the business has its primary location or operation.
- Bylaws (including any amendments or Corporate Resolution (Board minutes) authorizing account opening at Provident).
- Articles of Incorporation (Certified by Secretary of State)*
* Original form not required – Provident Credit Union will verify filing at time of account opening. - For any Corporations residing outside CA, please provide Foreign (Corps) — Certificate of Registration or Certificate of Good Standing.
Download Provident's Business Savings account application. Bring the completed form to a branch near you. | |
Download Provident's Business Checking account application. Bring the completed form to a branch near you. | |
Business Account Checklist(.pdf) | Download Provident's Business account checklist of all documents and information you'll need to open your Provident Business account(s). |
- Valid government-issued ID for each signer
- Employer Identification Number
- Business Account Application/Signature Card (may be completed at branch location)
- All documentation must be available as original documents for copying
- The most recent filing with the state and/or amended version of each document is required
- If you are conducting business as a DBA (“doing business as”) or fictitious name entity, trade name, or assumed name, a copy of the entity’s Fictitious Name Statement must be provided. NOTE: Fictitious Name Statement are filed with and provided by the county where the business has its primary location or operation.
- Organization Document
Download Provident's Business Savings account application. Bring the completed form to a branch near you. | |
Download Provident's Business Checking account application. Bring the completed form to a branch near you. | |
Business Account Checklist(.pdf) | Download Provident's Business account checklist of all documents and information you'll need to open your Provident Business account(s). |
Disclosures
- 003) No dividends are paid on balances below the balance minimum specified for the lowest balance tier. See rate sheet. See service charge schedule for a complete list of fees. Fees may reduce earnings.
- 004) Traditional overdraft only. 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. Restrictions apply. (Click for details). Courtesy Pay Overdraft is not available for this account.
- 122) The minimum deposit to open a Dividend Business Checking account is $100.00. Business Savings account required to open a Dividend Business Checking account. No dividends are paid on balances below the balance minimum specified for the lowest balance tier. See rate sheet. See service charge schedule for a complete list of fees. You must be a new business member, 18 or older and reside in California. You are not eligible if you are a current owner on a Provident Credit Union business account or if you have been an owner on a Provident Credit Union business account within the last six months. One New Business Account Bonus per business. To be eligible, you must open a Dividend Business Checking Account. All other checking accounts are not eligible for the bonus. New Business Account Bonus offer may expire anytime.
The minimum balance for the Business Membership Savings account is $5.00. You must fund your Business Checking account within the first 60 days of account opening with a minimum deposit of $100. If you fail to fund your Checking account within the first 60 days you are no longer eligible for the New Business Account Bonus and your account(s) will be closed.
In order to qualify for your New Business Account Bonus your account must be active and in good standing for two consecutive months following the month that your Dividend Business Checking account is opened. 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.
Your account is deemed eligible by: (1) making purchases of $400 or more using a debit and or credit card per month, AND (2) making $2,500 in total deposits to your Dividend Business Checking Account within 60 days of account opening, AND (3) enrolling in Provident's online banking service and e-Documents with valid email address. If your account remains inactive after 90 days from account opening you are no longer eligible for the New Business Account Bonus.
Your account is in good standing if you: (1) demonstrate responsible account management—such as making regular deposits to bring your account to a positive end of day balance at least once every 30 days (including the payment of all credit union fees and charges); (2) avoid excessive overdrafts; (3) there are no legal orders, levies or liens against your account.
New Business Account Bonus: We generally pay the New Business Account Bonus by crediting your Provident Credit Union Dividend Business Checking account within 120 days of account opening. If Provident funded your savings account at account opening, you will receive the difference between your initial $5.00 Savings account bonus and the stated bonus within this 120 day period. We may report the value of the New Business Account Bonus to the IRS and any applicable taxes are the responsibility of the member.
- 137) APY = Annual Percentage Yield. Rates are valid as of and are subject to change.
- 155) 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. Some bill payments will meet the monthly requirement for an ACH debit or credit transaction. Debit card cashback amounts, cash advances on credit cards, and checks do not count towards qualifications.