Checking Accounts

Print

Checking Account Features 

All Provident Credit Union checking accounts include these great features:

Schedule Appointment

Compare Provident Checking Accounts

Select up to three accounts and compare their rates and features to choose the account that's right for you.

Super Reward Checking 

Super Reward Checking offers all the best features you would want in a checking account and more, with no monthly service charge. This free account rewards you for using the electronic convenience features that are benefits in and of themselves. Other features include:

  • High Yield Dividends (currently 2.01% APY) on balances up to $25,000
  • Unlimited ATM use, with no Provident surcharge
  • ATM Surcharge Rebates: Up to $12 per month on any third-party surcharges at any national ATM**
  • Free Overdraft Protection*
  • Round Up Savings Program: This optional account is a simple, easy, and automatic way to save your hard earned money or pay down debt. Learn more.

You'll receive the high dividends and ATM rebates monthly, when the following requirements are met:**

Rates   Apply

The minimum deposit required to open this Account is $25. To qualify you must also be a member, 18 or older. Limit 1 (one) Super Reward Checking account per membership.
* 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. If you do not have funds available we offer Courtesy Pay (there is a per-item fee for Courtesy Pay).
** 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.
*** 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).

Provident Checking 

The ideal full service checking account if you want to avoid monthly fees without keeping a minimum balance in your checking account. This account includes the following bonus features:

  • Free Provident checks (re-order 1 box at a time)
  • Free Overdraft Protection*
  • Round Up Savings Program: This optional account is a simple, easy, and automatic way to save your hard earned money or pay down debt. Learn more.

Provident Checking has no monthly fee** if one of the following is maintained:

  • Direct Deposit: minimum $1,000 per month to your Provident Checking account
  • Combined balances: minimum $2,500 in savings and checking at Provident
  • Bill Manager: minimum 2 electronic bill payments/month (Please note, bill payments issued via paper check will not count towards waiving the monthly service fee.)

Rates   Apply

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.
* 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. If you do not have funds available we offer Courtesy Pay (there is a per-item fee for Courtesy Pay).
** There is a monthly fee when none of these conditions are met.
† Cannot be from a financial institution (bank, mutual fund, trust account, etc.).

Business Checking 

Special Offer: Get $150 for opening a new Dividend Business Checking account! Details...

Avoid the hassles of sweeping your funds in and out of your savings with a business checking account* that earns dividends. Provident offers business accounts to all businesses that have little or no need for cash.

  • Competitive tiered rate of dividends on both checking and savings
  • No annual fees
  • No monthly fee
  • No restrictions on transaction limits
  • No check or deposit fees
  • Overdraft Protection**
  • Use your Visa® Business card to save on qualifying purchases with Visa SavingsEdge®
Financial Institution Account Monthly Cash Limits Monthly Transaction Limits (combined deposits and withdrawals) Monthly Fee Min. Balance Requirement to Avoid Service Fee APY*
Provident Credit Union Dividend Business Checking Unlimited Unlimited $0 N/A Up to 0.20%
Citibank Citibusiness Interest Checking $5,000 25 $18 $10k min. average monthly balance Up to 0.01%
Bank of the West EASY Business Interest Checking $2,500 ($.20 per $100 coins) 100 $20 $10k min. daily balance or $25k average monthly balance Up to 0.01%
Bank of America Business Interest Checking $7,500 150 $17 $5k min. daily balance or $10k average monthly balance Up to 0.02% ($10k min. monthly balance)
Wells Fargo Platinum Business Checking $20,000 500 $40 $25k min. daily balance or $40k combined monthly balance Up to 0.06% (Requires Platinum Savings account)

Once your business has joined Provident by opening a Business Savings account, you can then open a Business Checking account.

Note: We do require that our business members have a track record of at least two years of operation to open an account with Provident.

Click here for a checklist [pdf] of all documents and information you'll need to open your Provident Business account(s).

Use the Business Account Application [pdf] to open a new Business Savings and Business Checking account for your business. Then bring your completed application to any Provident Credit Union branch.

Non-profit Accounts

Provident Credit Union is committed to supporting non-profit organizations in reaching their mission by providing financial services that support the unique needs of charitable institutions. Serving the banking needs of nonprofits is just one way Provident Credit Union supports the efforts of these organizations to build stronger communities.

Visa SavingsEdge®

Get automatic savings on purchases. No coupons. No codes. No hassles on your journey to business success. Watch this video about how the program works. Enroll now for free.

Rates   Apply [pdf]   Schedule Appointment

The minimum deposit to open a Dividend Business Checking account is $100.00. 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.
APY = Annual Percentage Yield. Rates retrieved 3/22/2016 and are subject to change.
* Business Savings account required to open a business checking account.
** 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 and are subject to a per-item overdraft fee. Restrictions apply. (Click for details.) Courtesy Pay is not available for this account.

Youth Checking 

Youths 13-17 can open a checking account, giving them the ability to maintain their own finances. The account includes a free Visa® debit card. Help your teen learn to manage their personal finances with this easy-to-use free checking account. This account also features:

  • Round Up Savings Program: This optional account is a simple, easy, and automatic way to save your hard earned money or pay down debt. Learn more.
  • Free Overdraft Protection*

Apply   Youth Accounts

* 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.

Simply Free Checking 

The ideal checking account if you want to avoid monthly service fees and you want a basic no-frills checking account without having to have any additional savings or services. This account includes the following:

  • Round Up Savings Program: This optional account is a simple, easy, and automatic way to save your hard earned money or pay down debt. Learn more.
  • Free box of Provident checks (first box only)
  • Overdraft Protection*

Apply

* 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 and are subject to a per-item overdraft fee. If you do not have funds available we offer Courtesy Pay, which is also subject to a per-item fee.

Health Savings Account (HSA) 

Provident's Health Savings Account (HSA) works like a checking account but government rules determine whether you are eligible and how you operate your account.

HSAs are sometimes referred to as "Medical IRAs". An HSA is a tax-deductible savings account that can be used to pay for a wide variety of health expenses. An HSA is a great way to save for both day–to–day and future medical expenses. For many consumers, the combined benefits of the tax deduction, the savings program, and the availability of funds for immediate medical expenses make HSAs the smart and flexible approach to health insurance.

For more information, visit our Health Savings Account (HSA) page.

Round Up Savings Program 

Round Up is an easy way to automatically save by rounding up your debit card purchases to the nearest dollar and having the difference transferred to a Round Up Savings account from your checking account. This free program also allows you to add on dollar amounts ($1, $2, or $3) to each transaction, and amounts up to $100 at the end of each month.

We'll Match You!

Provident Credit Union will match 100% of your eligible round up transactions for the first three months on your first enrolled account. Thereafter, we will match 5% on this account and all subsequent enrolled accounts up to $250 per year.* (Super Reward Checking is not eligible for matching.)

Save Up Cash or Pay Down Debt

Each month, choose to transfer your balance to an eligible Provident savings account, loan, or credit line (checking accounts are not eligible). Or keep your funds in your Round Up Savings account and watch it grow!

What You Need to Know About the Round Up program:

  • Eligible transactions are aggregated and transferred to the Round Up account at the end of each day.
  • Transfer to and from your Round Up account any time.
  • Your match bonus will be credited on your anniversary date (or on the next business day after that).
  • Matching occurs on the rounded transaction amounts only.
  • Enrollment is only available via online banking.
  • Fresh Start Checking and Health Savings Accounts are not eligible for enrollment.
  • Only debit card PIN and signature based transactions are eligible.
  • Must be enrolled in e-Documents.

Round Up Program

Watch this video about how the program works. Then experience how simple saving money can be.

To enroll, sign on to online banking. Then simply click on the Round Up blue-bar on the Summary of Balances page, and select "Enroll" next to the designated checking account. Don't have online banking? Enroll online now.

Rates   Terms and Conditions   Disclosure

* 100% matching applies to first enrolled account only. Matching funds are based solely on signature transactions (i.e. when the credit option is selected). The Super Reward Checking account is not eligible for matching.

Which Feature Matters Most to You?

Do you need assistance selecting the checking account that's right for you? Using the icons below, and we can recommend an account based on the features most important to you.

To Open a New Checking Account:

Apply Online Now

To open a new Health Savings Account, use the forms on the Health Coverage application page.

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.

* 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.