$475 New Business Account Bonus
Boost your business with a special offer
Earn a Bonus When You Open a Business Checking Account
Business owners can earn a $475 bonus when they open a Dividend Business Checking account with Provident and meet the requirements outlined below.122
Use promo code SEED475 when applying. Offer expires June 30, 2026.
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 0.85% 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
- Must open a Business Membership Savings Account prior to opening a Business Checking Account
- $100 to open. No minimum balance
Business Checking Accounts
Rates are valid as of and are subject to change.
| Type | Min. Balance | Dividend Rate | Annual Percentage Yield (APY) | Disclaimers |
|---|---|---|---|---|
| Dividend Business Checking | $0 | 0.000% | 0.00% | J |
| $25,000 | 0.500% | 0.50% | ||
| $75,000 | 0.750% | 0.75% | ||
| $125,000 | 0.850% | 0.85% |
Open a Business Checking Account and Earn $475
Mention promo code SEED475
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).
- Business License (if required by city) and one of the following (if applicable):
- Fictitious Name Certificate/Statement
- Registration of Trade Name
- Certificate of Assumed Name
- Partnership Agreement and one of the following (if applicable):
- Fictitious Name Certificate/Statement or related document
- Business License or Business Registration
- Statement of Partnership*
- Limited Partnership Agreement
- Partnership Fictitious Name Certificate (if applicable)
- Certificate of Limited Partnership or similar depending on state*
- Limited Liability Partnership Agreement and one of the following:
- Statement of Qualification
- Certificate of Limited Liability Partnership*
- Limited Liability Partnership Registration
- Operating Agreement
- Articles of Organization*
- Bylaws
- If applicable, include corporate resolution or amendments authorizing account opening at Provident
- One of the following:
- Certificate of Organization*
- Articles of Incorporation*
- Certificate of Status*
- Bylaws
- Articles of Association (title of the organizing document may vary by state)*
- One of the following (if applicable):
- Business License
- Certificate of Assumed Name
- Fictitious Name Certificate
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 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 two years. One New Business Account Bonus per business. To be eligible, you must open a Dividend Business Checking Account. 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: The New Business Account Bonus will typically be credited to your Provident Credit Union Dividend Business Checking account within 120 days of account opening. 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.