Checking Accounts
Checking accounts that work for you
All Provident Checking Accounts Feature:
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Free Visa® debit card​
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Several free Checking Account options
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Free online banking, e-deposits, and bill payments
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Surcharge-free ATM network (30,000+ locations)
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Zero Liability Fraud Protection Guarantee on debit card purchases
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No fees for checks or money orders111
Features
Super Reward Checking
EARN 1.26% APY010
Super Reward Checking offers all the best features you would want in a checking account and more.
Features
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No monthly fees when requirements are met
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Free Provident checks (re-order one box at a time)001
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Round Up Savings Program: This optional account is a simple, easy, and automatic way to save your hard earned money or pay down debt.
Provident Checking
This is a full-service checking account with no monthly fees when requirements are met.
Features
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No monthly fees, no requirements, and no minimum balance
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Free box of Provident checks (first box only)001
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Round Up Savings Program: This optional account is a simple, easy, and automatic way to save your hard earned money or pay down debt.
Simply Free Checking
The ideal account if you want to avoid monthly fees and prefer a basic, no-frills account.
Features
- No monthly or annual fees
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​Currently paying up to 0.20% APY137 depending on your account balance
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Competitive tiered rate on balances
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No restrictions or transaction limits
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No check or deposit fees
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Use your Visa Business card to save on qualifying purchases with Visa Savings Edge
Bring your completed application to any Provident Credit Union branch.
Features
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No monthly fees or minimum balance
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Free Visa® debit card
Youth Checking
Youth Checking from Provident enables young people ages 13-17 learn to manage their personal finances with an easy-to-use free checking account.
Join Provident
Learn more about how members receive excellent rates, incredible offers, and exceptional service.
Become a Member
Apply online for a Provident Savings Account and become a member.
Fixed/Adjustable Rate Mortgages
Save money with a low fixed-rate loan that later converts to a variable rate.
Disclosures
- 001) Standard delivery fee applies. See Service Charge Schedule for details.
- 002) In the event of an overdraft, if you have selected certain accounts to be used for Overdraft Transfer Protection and the funds are available to cover the transaction, they are automatically transferred from your other accounts. If you do not have funds available we offer Courtesy Pay Overdraft (there is a per-item fee for Courtesy Pay Overdraft) Service Charge Schedule
- 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.
- 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.
- 005) Direct Deposit of payroll, pension or benefits checks, or Automatic Transfer from a non-Provident account.
- 006) The minimum deposit required to open this account is $25.00. Your account will be automatically closed if your balance remains at zero for 180 days or more.
- 007) $25 Minimum deposit required to open. Must be 18 years or older to qualify. Limit 1 (one) Super Reward Checking account per membership.
- 008) 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 cash-back amounts and cash advances on credit cards do not count towards qualifications. 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).
- 010) These are the requirements to receive 1.26% Annual Percentage Yield (APY) on balances up to $25,000, 0.08% APY on balances beyond the first $25,000, and ATM rebates. 1) make purchases of $400 or more using a Provident debit and/or credit card, 2) complete one direct deposit or ACH transfer (automatic debit or credit), and 3) receive online e-Documents. 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. 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. 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 cash-back amounts and cash advances on credit cards do not count towards qualifications. 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). The minimum deposit required to open this Account is $25. No minimum balance required and no monthly fee will be assessed. To qualify you must also be a member and age 18 or older. Dividends are forfeited if the account is closed prior to scheduled dividend payment date. Effective February 1, 2013 no more than 1 (one) Super Reward Checking account can be opened per membership.
- 111) Limited to two official checks and three money orders per day per member at no charge. Additional official checks and/or money orders are subject to a fee. Does not apply to Business Checking accounts. Consult the Service Charge Schedule for current fees.
- 125) Provident will rebate nationwide ATM surcharge fees imposed by the other institution, up to $12.00 per month when you meet the monthly minimum requirements. ATM surcharge rebates will be deposited into your Super Reward Checking Account on the first day of the following month.
- 137) APY = Annual Percentage Yield. Rates are valid as of and are subject to change.
- 148) 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.