PROVIDENT SMART CHECKING¹

¹Provident $mart Checking^{SM 2}An interest rate of 3.20% with an Annual Percentage Yield (APY) of 3.25% will be paid only for that portion of your daily balance that is $15,000 or less. An interest rate of 3.20% with an APY of 3.25% 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 7/3/23. 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.