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Earn 2.00% APY2 for balances up to $15,000 when requirements are met with this high interest checking account.


  • FREE ProvidentConnect Online Banking with Bill Payment
  • FREE Provident Debit Mastercard®
  • FREE eStatements
  • FREE Mobile Banking with Check Deposit
  • ATM fee refunds3 nationwide when monthly requirements are met
  • No minimum balance requirements
  • No monthly service fees
  • Access to 95+ bank locations in New Jersey, New York & Pennsylvania

not Qualification Requirements

To earn 2.00% APY and domestic ATM fee/surcharge refunds, per statement period you must:

  • Conduct ten (10) signature-based, 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.4
  • Establish and maintain a ProvidentConnect Online Banking relationship.
  • Elect to receive your periodic account statements via ProvidentConnect Online Banking.

Don’t worry: Even if you don’t meet the qualification requirements, you’ll still enjoy the benefits of a FREE Checking account. You will be eligible for high interest and ATM fee/surcharge refunds the very next statement period!

1Provident $mart CheckingSM 2An interest rate of 1.98% with an Annual Percentage Yield (APY) of 2.00% will be paid only for that portion of your daily balance that is $15,000 or less. An interest rate of 0.50% with an APY of 0.50% will be paid only for that portion of your daily balance that is more than $15,000, but less than or equal to $25,000. An interest rate of 0.10% with an APY of 0.10% will be paid only for that portion of your daily balance that is greater than $25,000. The interest rates and APYs will be paid provided that the Provident $MART Checking qualification requirements are met in the corresponding statement period. If you do not meet the qualification requirements for a statement period, your account will still function as a free checking account earning 0.05% APY; however, it will not receive ATM fee refunds for that statement period. APY is in effect as of 12/12/22. APYs are variable and may change at any time after the account is opened. No minimum account balance required, however, you must deposit a minimum of $50 to open this account. Withdrawal/transfer restrictions apply; ask for details or see account disclosure. Available to consumer/personal account holders only. No monthly service charges. 3All 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. Account holder/owner must sign up for and maintain a free ProvidentConnect online banking relationship. Online opening for this account is for New Jersey, New York and Pennsylvania residents only. 4You must conduct at least ten (10) signature-based POS purchases which post and clear your account within one (1) statement period. You must receive at least one (1) ACH direct deposit or process at least one (1) automatic debit which posts and clears your account within one (1) statement period.


checking Cash Back Interest Debit Card Fee Refunds Monthly Fees
Provident Smart Checking   tic tic tic NO
Provident Cash Back Checking tic   tic tic NO
Provident Platinum Checking    tic tic tic NO
Provident Basic Checking     tic   NO
Provident Senior Checking     tic   NO