Special Offers for Partner

Join Us and Prosper

Disclosures

  • 083) Credit union deposit(s) must be pledged to secure the Visa®, with a minimum pledge of $600 and at least 120% of the approved credit line.
     
  • 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.

  • 130) APY = Annual Percentage Yield. Dividend rates are fixed for the term of the certificate. 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.
  • 224) Penalty for early withdrawal may be assessed and may reduce earnings for all term share certificates.
  • 229) Limited time offer. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. The minimum opening deposit is $10,000. Deposits cannot be added to this certificate once it has been opened. Institutional deposits are not eligible. At maturity, each Pick-A-Term Certificate renews to the same term at the fixed rate in effect at that time.
  • 243) Limited time promotional offer. May be extended or withdrawn without notice. Membership required. The minimum opening deposit is $250,000 and must be funds that have not been on deposit with Provident Credit Union for the last 60 days. You must maintain a minimum daily balance of at least $2,500 in your account each day to obtain the disclosed annual percentage yield. Dividends will be compounded monthly and credited to your money market account monthly.

Special Business Banking Offer for Partner

Provident Credit Union membership gives you access to special financial products that are better than a bank's. You'll especially enjoy a better Business Banking experience and a competitive dividend rate on our Dividend Business Checking account.

Partner is providing this benefit because they care about your financial health. Our products, services and educational tools can help you secure your financial future, enjoy peace of mind, and achieve your goals.

Let's Start You Off With $475122 

Earn $475 when you open a Dividend Business Checking account with Provident and meet the requirements outlined below. 

Use promo code Seed475 when applying. Offer expires May 30, 2026.

Explore Checking Accounts

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.

Featured Products:

Features

  • Earns our highest dividend rate
  • ​Instant liquidity
  • No account fees
  • Can be used as an overdraft source for Provident Business Checking accounts
  • Current rates between  ​0.08% APY - ​3.50% APY311 depending on your account balance

Requirements

  • Must open with a minimum balance of $250,000 to receive 3.50% APY243

Business High Yield Money Market

The High Yield Money Market account offers the same liquidity as a regular Money Market account but pays premier returns with our highest yield, as long as you meet the requirements.243

Features

  • Pick-A-Term Certificates offers 3, 6, and 12 month terms
  • Federally insured up to $250,000 by NCUA
  • Guaranteed rate for the term of the certificate208

Pick-A-Term Certificates

EARN UP TO 3.40% APY130

Choose a 3, 6, or 12-month term—whichever fits your business best.224 Each term offers a competitive rate, making this certificate a flexible option for managing short-term funds while earning more on your balance.229

Features

  • Credit limits up to $50,000
  • Competitive low rates
  • Qualify with no credit history
  • No cost for authorized user cards 
  • Visa SavingsEdge® exclusive discounts and offers
  • Enjoy all the benefits common to every Provident Credit Union Visa®

Provident Business Share Secured Visa®

Enjoy the purchasing power and flexibility of a credit card using the secured funds from your Provident Business Savings account.83 A convenient way for small businesses and non-profits to track expenses and cash flow.

Features

  • Credit limits up to $50,000

  • Earn reward points towards travel and merchandise with every purchase, through CURewards. You earn 1 point for every $1 spent. All rewards earned will roll up to the primary card.

  • No cost for employee cards

  • Visa SavingsEdge® exclusive discounts and offers

  • Enjoy all the benefits common to every Provident Credit Union Visa®

Provident Business Rewards Visa®

Simplify bookkeeping, control expenses and earn 1 point for every $1 spent with no limits or caps. If you wish to provide cards for additional employees, you’ll be able to track expenses and cash flow with both individual statements and a summarized statement for all cards. 
 

Open a Business Checking Account and Earn $475

Mention promo code SEED475

Download Business Account Checklist

Download Provident's Business account checklist of all documents and information you'll need to open your Provident Business account(s).
Download Checklist (.pdf)

Visit a Provident Community Branch

Schedule an appointment at a Provident Community Branch. Bring your completed Business account application and all required documents.

Schedule Appointment

Gather Required Documents

Business accounts may be opened online or 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).