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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Provident Cash Back Checking1

Enjoy a smarter, more rewarding way to bank with Provident. Our Cash Back Checking account is designed around your everyday needs, giving you a free account with no minimum balance required and unlimited 0.50% cash back2. 

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Cash Back

Account Highlights

To make things even easier, your cash back is automatically deposited, so you can benefit from everyday spending without any extra steps.

  • Unlimited 0.50% cash back2
  • ATM fee refunds nationwide2
  • No monthly minimum balance requirements3

 

Qualification Requirements:

To earn 0.50% cash back and domestic ATM fee/surcharge refunds, per statement period you must:

  • Conduct ten (10) signature-based or Tap to Pay point-of-sale transactions with your Provident Debit Mastercard®
  • Have one (1) direct deposit or one (1) automatic ACH debit
  • Establish and maintain a FREE ProvidentConnect Online Banking relationship
  • Elect to receive your periodic account statement electronically via ProvidentConnect Online Banking

Everyday Features with Every Checking Account

Zelle®

Send and receive money with enrolled friends, family and others you trust.

Learn More

Mobile Banking

Bank anywhere, anytime with our mobile app. Enjoy secure, convenient access to your accounts.

Mobile Banking

Provident Debit Mastercard®

Make everyday purchases, pay bills, and access cash with ease - wherever life takes you.

Learn More

ProvidentConnect Online Banking

Securely manage your accounts with ease through ProvidentConnect Online Banking.

Learn More

Frequently Asked Questions

Disclosures

[1] Provident Ca$h Back CheckingSM

[2] Unlimited Cash Back rewards credited to your account will equal the total amount of eligible signature-based point-of-sale purchase transactions posted to and cleared through your Provident Ca$h Back CheckingSM account each statement period multiplied by a factor of 0.50% (.005). This Cash Back rewards factor is variable and may change anytime at our discretion. To qualify for Provident Ca$h Back CheckingSM cash rewards and domestic ATM fee/surcharge refunds, you must fulfill the following qualification requirements: conduct ten (10) signature-based or Tap to Pay point-of-sale purchases using your Provident Debit MasterCard – these purchase transactions must post and clear your account within one (1) statement period; have one (1) direct deposit or one (1) automatic debit per statement period posted to and cleared through your account; establish and maintain a ProvidentConnect Online Banking relationship through which your account statement will be delivered/available; and elect to receive your periodic account statements electronically via ProvidentConnect Online Banking. Qualifying point-of-sale signature-based transactions must be posted to and cleared through your Provident Ca$h Back CheckingSM account as of the last business day of the statement period. Cash Back rewards will be redeemed, deposited and available on the first business day of the following statement period. Cash Back will be paid provided that the Provident Ca$h Back CheckingSM qualification requirements are met in the corresponding statement period. Account qualification requirements must be maintained starting with the 3rd statement period following account opening. If you don’t meet the account qualification requirements for any statement period starting with the 3rd statement period following account opening, your account will still function as a free checking account; however, it will not receive ATM fee refunds or Cash Back rewards for that statement period. Prior to the 3rd statement period following account opening, account holders will receive Cash Back rewards and domestic ATM fee/surcharge refunds without being required to meet account qualification requirements.

[3] No monthly minimum account balance required, however, you must deposit a minimum of $25.00 to open this account. Available to consumer/personal account holders only.