In observance of Independence Day, all Provident Bank Branches, the Contact Center, and corporate offices will be closed on Saturday, July 4th, 2015. Online banking and mobile banking access to your accounts will not be affected. We wish everyone a safe and wonderful holiday!

Provident Personal Services

Life is big and messy. It’s a wild, colorful carousel ride. And sometimes when we’re spinning around again, we need a little help from our friends. So whether it’s checking, savings, home loan, or investment products you need, Provident can help. With our personal services, we personally guarantee a seat on the best horse!

Plan for Your Personal Finances

One thing we know for sure is that things change, nothing stays the same. Life happens. And as you grow older and evolve, your financial needs will evolve. And we promise that we’ll be there. For college and your first home and kids and retirement—we’ll be there, whenever and however you need us, with commitment you can count on.

Choose your current life stage and we’ll show you the products, services, and money management tips to see you through!

For most of us, developing sound financial habits is the last thing we’re thinking about in college. With meal plans and pre-paid student debit cards, money seems about as real as Monopoly cash. We’re more preoccupied with classes, meeting new people, indulging in novel experiences. But with all of that newfound freedom comes responsibility. Especially with the rising costs of college and mounting student debt, now is the perfect time to learn how to spend, save, and plan wisely with these products:

Smart Option Student Loan by Sallie Mae®

With competitive rates and flexible repayment terms, this is the smart, economical way to pay for college expenses not covered by scholarships and federal loans.

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Provident MyTunes Checking

Get rewarded with the iTunes and Amazon.com downloads you want and the nationwide ATM fee refunds you need. Plus, Mobile Banking with Check Deposit gives the on-the-go student 360° access to her money.

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Provident Personal Platinum Classic MasterCard®

Practice using a credit card responsibly while you still have your parents’ safety net. Establishing good credit history can never be done too soon and is crucial for major future purchases, like a car or house.

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Statement Savings Account

Sock away a little bit here and there from a part time job or holiday gifts. Plan for emergencies and unforeseen expenses, like a flat tire or a lost phone or a broken laptop. Having the discipline to put money aside—even a little bit— is an invaluable skill for the remainder of your life.

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You’re driven, ambitious, dedicated. You’re after success. Nothing is more exciting than getting that first paycheck, or more deflating than watching the majority of it go to rent, food, and bills. In this stage of your life, your hard-earned money has a funny way of disappearing. But soon, there will come a tipping point, and all at once you will be able to save a little, and then a little more. The key to surviving and thriving here (and not eating ramen noodles for the rest of your life) is learning to live within your means, maximizing your earnings, and saving like a squirrel for winter (because saving gets much harder when and if there are baby squirrels in the nest). Here’s how to do it:

Cash Back Checking

If you’re spending money on the essentials anyway, why not put some of it back in your pocket? We think that’s pretty smart.

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Statement Savings Account

Linking a savings account to your Cash Back Checking account and allocating an automatic direct deposit is a surefire way to save. Since the money is coming out of your paycheck before you even see it, you won’t miss it!

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IRA

Tax-deferred dollars? Check! Interest-bearing money? Yep! An option to roll over your pension or 401k? You betchya! How will you save for retirement if you don’t start when you’re young? An IRA is the easy way to make sure your money outlives you.

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Holiday Club Savings Account

Don’t worry: it’s not all hard work and saving at the start of your career. You need to splurge and relax poolside with a Pina Colada once in awhile, too! The Holiday Club’s interest-bearing account will help get you to that Caribbean vacation.

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You’re nesting: saying “I do,” buying a house, getting pregnant, looking toward the future.  With a joint income, you have more money at your disposal now—and more demands on that money. You’re thinking about a mortgage, furnishing your home, single-handedly keeping Pampers in business. Suddenly there are family vacations and dance recitals and basketball games and piano lessons to worry about. And most daunting of all, your children’s education. Now, more than ever, whether you’re single or married, whether you have kids or not, you need to wield smart money management skills and save for a sound financial future. Start with:

A Mortgage

A home is probably the most important investment you’ll make in your young life. And there’s a lot to consider: where you’d like to plant roots, how much you can afford and how much you can put down, what you want versus what you need, and how to consider the interest rate and term of the loan. With its special rate, our First-Time Homebuyer program will help you navigate these complexities and make home-ownership as easy and affordable as possible!

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Life Insurance

Nobody wants to think about life insurance, especially when you’re in your twenties or thirties and life is so vibrant and full of possibility. But now that you have people who depend upon you, this is exactly the time to consider it. We can help you protect your loved ones and your hard-earned assets with the plan that’s right for you.

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Young Saver

Teaching your children financial responsibility at a young age will lay a solid foundation for their future fiscal health. With just a dollar to open and interest on every penny, this account will make your kid a smart saver in no time!

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529 College Savings Plan

Out-of-state tuition costs at four-year colleges have skyrocketed into the hundreds of thousands of dollars and are showing no signs of slowing. With two, three, or more kids, affording a superior education probably seems impossible. The best way to defray these costs is to start saving when your kids are young— infants preferably—with a tax-advantaged 529 College Savings Plan.

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This is not like your twenties and thirties when you were fighting to pay the bills, scrimping and saving every penny. You have more discretionary income, a little more room to breathe. But that doesn’t mean you don’t have to budget—after all, there are so many expenses for your children’s sports and extracurricular activities it makes your head spin. This is the big middle, when every part of your life grows and expands and gets bigger and better: your house, your car, your vacations, your hobbies. Just don’t forget to keep saving because retirement is what comes next. Your life is like a helium balloon. Fill it with:

Provident Platinum Checking and Money Manager Account

Maximize savings, pump up your purchasing power, cut costs, and simplify your cash management with these linked checking and savings accounts. 

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Home Equity Line of Credit/Refinancing

It’s finally time to update the old avocado bathtub, give your kitchen cabinets a face lift, or build that addition on your house. You actually have the means to take on big renovation projects from your most valuable asset—your home. You can also use a HELOC to pay down debt or make major purchases, like appliances or a car. Consider refinancing to negotiate a better rate or term on your home loan.

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Certificate of Deposit (CD)

This long-term savings option with competitive interest rates can help you put money away for your children’s education or your retirement.

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Investment Management

Grow your wealth and protect your income with diversified investments. The sooner you invest, the longer you have to grow a little nest egg. And you won’t have to take on as much risk or volatility.

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They might not feel like golden years at first: being an empty nester, downsizing, and hanging up your professional hat are big adjustments that take some getting used to. But soon you’ll come to appreciate spending time with your children as grown adults and then discover the sweet delights of grandparenthood. You’ll find deep satisfaction living somewhere warm and having free time to travel, relax, and have fun! You can take up golf, learn German, or even teach part-time. Wait a minute; this stage is not pure bliss. You’ll still have to be smart about spending to ensure that you’re still living the lifestyle you want while your assets don’t outlive you!

Provident Smart Checking

When you’re living on a fixed income, every penny counts. This smart checking account rewards every balance, no matter how small, with a 1.51% APY and waives ATM fees nationwide when requirements are met. Also, with the Provident Debit MasterCard®, making purchases and tracking your spending is as easy as pie!

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Gengold

This exclusive membership club gives you fantastic discounts on everything you’ll want to do during retirement: travel, dine, shop, and be entertained! Plus, it keeps you safe and sound with its premier Identity Theft and Restoration Rescue services.

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A Will

If you don’t have one already, now is the time to draw up a will. Nothing is more important than providing for your loved ones by protecting, preserving, and transferring your assets according to your wishes. Moreover, your legacy should support your personal beliefs and reflect the life you lived. The only way to ensure that your final wishes are fulfilled is to carefully prepare a will. Our Beacon Trust advisors can help you decide how your assets will be divided and who will oversee the distribution of those assets.

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