Checking Accounts

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Checking Account Features

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.

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.