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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 Smart Checking1

As our most rewarding account yet, it offers no monthly fee and lets you earn 0.50% APY2. With Smart Checking, you can enjoy valuable rewards along with the peace of mind that comes from a simple, hassle-free banking experience.

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Smart Checking

Account Highlights

  • 0.50% APY2
  • ATM fee refunds nationwide3
  • No minimum balance requirements
  • No monthly service fees

 

Qualification Requirements:4
Domestic ATM fee/surcharge refunds when you:

  • Conduct ten (10) signature-based or Tap to Pay point-of-sale purchases with your Provident Debit Mastercard® that post and clear your account
  • Receive one (1) direct deposit or process one (1) automatic ACH debit
  • Elect to receive your periodic account statements via ProvidentConnect Online Banking

View your Smart Checking Account rate

With your ZIP code, we can make sure the information you see is accurate.

Everyday Features with Every Checking Account

Zelle®

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

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Mobile Banking

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

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Provident Debit Mastercard®

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

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ProvidentConnect Online Banking

Securely manage your accounts with ease through ProvidentConnect Online Banking.

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Frequently Asked Questions

Disclosures

[1] Provident $mart CheckingSM

[2] Annual Percentage Yield (APY) is in effect as of September 1, 2026. APYs are variable and may change at any time. No minimum account balance required, however, you must deposit a minimum of $50.00 to open this account. Transaction restrictions apply; ask for details. Available to consumer/personal account holders only. No monthly service charges.

[3] All domestic nationwide ATM fees will be refunded provided qualification requirements are met. All qualifying transactions must post and clear your account within one (1) statement period.

[4] To qualify for Provident $mart CheckingSM 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; and elect to receive and maintain your periodic account statements electronically via ProvidentConnect Online Banking. 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 not receive ATM fee refunds for that statement period. Prior to the 3rd statement period following account opening, account holders will receive domestic ATM fee/surcharge refunds without being required to meet account qualification requirements.