Provident Bank

POSITIVELY FREE CHECKING

Minimum Opening Deposit:	No Minimum Deposit Requirement to Open Account¹
Monthly Service Charge:	None
Minimum Balance to Waive Monthly Service Charge:	None
Per Debit Charge:	None
Per Deposit Charge:	None
Interest:	Non-interest bearing
Ownership Type:	Individuals
Check Return Option:	This account comes with check safekeeping service only.
Other Benefits:	ATM card available² Visa Check Card available³ Unlimited check writing No in-office transaction fees No foreign ATM transaction fee⁴ No fees to use 24 hr Access Plus Direct Talk line This account offered to anyone⁵ with no minimum balance and no monthly service charge. FREE Online Banking FREE Online Bill Payment Service

1.An account is not active until a deposit is made.
2.Subject to eligibility requirements.
3.Fees and restrictions may apply.
4.Foreign ATM fees charged by Provident Bank are waived on this account. Service fees charged by other ATM owners still apply.
5.Personal use only. We require all signers/owners to be 18 years of age or older.

Other Terms Apply

There are no check order discounts available on this account.
Customers must meet identification requirements.
Bank reserves the right to change the terms and conditions of the account.
Account subject to terms and conditions of the Deposit Account Agreement and applicable schedules and disclosures.
No overdraft protection line of credit available on this account.

VALUE PLUS CHECKING

Minimum Opening Deposit:	$100
Monthly Service Charge:	$10.00 (waived with Direct Deposit of payroll or other income.)
Minimum Balance to Waive Monthly Service Charge:	Monthly service charge can be waived by maintaining a $2,500 minimum daily balance in checking.
Per Debit Charge:	None
Per Deposit Charge:	None
Interest:	Interest rate and annual percentage yield may change daily, at our discretion. Interest is not earned on any day your balance is below $2,500. Interest is compounded monthly. Interest is credited monthly. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
Ownership Type:	Individuals
Check Return Option:	Imaged check copies are provided with each statement at no charge. You may request original items be returned with your statement for an additional fee of $3 per month.
Other Benefits:	Overdraft Protection $500 - $2500¹ No foreign ATM transaction fee² FREE Provident Bank Visa Check Card Available¹ FREE Online Banking FREE Online Bill Payment Service

1. Subject to eligibility requirements.
2. Foreign ATM fees charged by Provident Bank are waived on this account. Service fees charged by other ATM owners still apply.

Other Terms Apply

$5 check order discount is available on this account if checks are ordered through Provident Bank.
Customers must meet identification requirements.
Bank reserves the right to change the terms and conditions of the account.
Account subject to terms and conditions of the Deposit Account Agreement and applicable schedules and disclosures.

GOLD ADVANTAGE CHECKING

Minimum Opening Deposit:	$100
Monthly Service Charge:	None.
Minimum Balance to Waive Monthly Service Charge:	None.
Per Debit Charge:	None
Per Deposit Charge:	None
Interest:	Interest rate and annual percentage yield may change daily, at our discretion. Interest is compounded monthly. Interest is credited monthly. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
Ownership Type:	Individuals, 50 years of age or better.
Check Return Option:	Imaged check copies are provided with each statement at no charge. You may request original items be returned with your statement for an additional fee of $3 per month.
Other Benefits:	Provident Bank Visa Check Card Available¹ No foreign ATM transaction fee² Overdraft Protection $500 - $2,500³ FREEOnline Banking FREE Online Bill Payment Service Check Buy Back Program⁴ FREE Cashiers Checks (Limit of 5 per month) FREE Money Orders (Limit of 5 per month) Free Travelers Checks Free Safe Deposit Box ($30 credit toward the annual fee of a Safe Deposit Box)

1.Fees and restrictions may apply.
2.Foreign ATM fees charged by Provident Bank are waived on this account. Service fees charged by other ATM owners still apply.
3.Subject to eligibility requirements.
4.Bank will pay $10 a box or $.05 per check, limited to 2 boxes.

Other Terms Apply

Customers must meet identification requirements.
Bank reserves the right to change the terms and conditions of the account.
Account subject to terms and conditions of the Deposit Account Agreement and applicable schedules and disclosures.

COMMUNITY ADVANTAGE CHECKING

Minimum Opening Deposit:	$100
Monthly Service Charge:	None.
Minimum Balance to Waive Monthly Service Charge:	None.
Per Debit Charge:	None
Per Deposit Charge:	None
Interest:	Interest rate and annual percentage yield may change daily, at our discretion. Interest is credited monthly. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
Ownership Type:	Not for profit corporations / organizations
Limitations:	Low to moderate transaction volume. Organizations exceeding 150 debits or 25 deposits per month may not qualify for this account.

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