Cash Management
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Provident Smart Checking

This checking account is so smart, it rewards all balances, no matter how small. It's easy to qualify and earn ATM fee refunds and a great $mart annual percentage yield each statement period.1

With this smart checking account, you get:

  • 1.51% APY for balances up to $15,000 when requirements are met
  • FREE Online Banking
  • FREE Provident Debit MasterCard®
  • ATM fee refunds2 nationwide when requirements are met
  • No monthly fees or minimum balance requirements

Earning your benefits is easy:

  • Conduct 10 signature-based point-of-sale purchases with your Provident Debit MasterCard
  • Receive one Direct Deposit or process one automatic ACH Debit per statement period3 
  • Establish and maintain a ProvidentConnect Online Banking relationship
  • Elect to receive your periodic account statements via ProvidentConnect Online Banking

Getting Started:

To open a $mart Checking account, apply online or simply visit your local Provident Bank branch.
You can also call the Consumer Contact Center at 1-800-448-7768, or contact us today for more information.

1An interest rate of 1.50% with an Annual Percentage Yield (APY) of 1.51% 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 ranging from 1.11% to 1.51% 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 0.15% with an APY ranging from 0.15% to 1.11% 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 12/1/12. 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. 2All 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 and Pennsylvania residents only.3You 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.