Personal Banking Services

At Provident Bank, personal banking should be just that—personal. For over 70 years, we’ve helped Californians reach their financial goals with simple, secure, and locally focused solutions. Whether opening your first bank account, saving for the future, or applying for a mortgage, our personal banking services are designed to support you every step.

Explore our full range of personal financial products and services—from checking and savings accounts to home loans, IRA retirement accounts, and digital banking features you can access anytime, anywhere.

Personal Banking Accounts

Finding the right personal bank account is the first step to managing your money confidently. Provident Bank offers both personal checking and savings accounts with flexible features, competitive rates, and modern tools--along with helpful resources to make your banking experience even better.

Personal Checking Accounts

Our personal checking accounts are designed to make everyday banking easy with convenient access to your funds for day-to-day spending, bill payments, and transfers. Choose from various options that fit your needs, whether you're looking for a simple, low-fee account or an interest-earning option. All checking accounts come with access to:

MyProvident^® Online Banking and Mobile Banking
55,000+ Allpoint^® ATMs
Bill pay and eStatements
Optional overdraft protection

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Personal Savings Accounts

Whether you’re saving for a rainy day, a future purchase, or your child’s education, our personal savings accounts help your money grow safely. We offer several savings options, including:

Basic savings with low minimums
Multiple savings products to match your needs – from traditional savings accounts to Money Market options for higher balances
FDIC insurance for your peace of mind
Savings Plus and Money Market options for higher balances
Young Investor accounts to build smart habits early
Easy transfers between chacking and savings

You can even link your savings to your checking account for overdraft protection, helping you manage your finances responsibly.

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Compare Your Account Options

Choosing between a checking and savings account—or opening both—depends on your financial goals. Here’s a quick comparison:

Feature	Checking Account	Savings Account
Purpose	Everyday spending, bill payment, direct deposits	Saving for future goals, emergency funds
Access to Funds	Unlimited, via debit card, checks, online transfers	Limited by withdrawal regulations
Interest Earned	Typically none or minimal	Competitive rates, varies by account type
Minimum Balance	Varies by account type	Varies by account type
Monthly Fees	May apply; can be waived	May apply; can be waived

For maximum flexibility, many customers choose both, using checking for spending and savings for growth.

Home Loans

Dreaming of a place to call your own? Provident Bank offers a variety of home loans for buyers across Riverside, San Bernardino, and surrounding counties. Whether you're a first-time buyer or looking to refinance, our loan officers are here to guide you with local insight and competitive home loan interest rates.

Our mortgage options include:

Fixed-rate mortgages (15-year and 30-year terms)
Adjustable-rate mortgages (5/6, 7/6, 10/6 ARMs)
Refinancing programs
Short and full online applications

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Retirement Planning

Start planning today for a more secure tomorrow. Provident Bank offers several options for retirement savings, including:

Tradition IRA retirement accounts
ROTH IRA retirement accounts
SEP or SIMPLE IRA plans for small business owners and employees

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Mobile Banking

Your bank should go wherever you do. With Provident Bank’s mobile banking services, you can:

Check Balances
Transfer funds between accounts
Deposit checks
Pay bills
Monitor account activity

Available through the MyProvident Mobile^® app, our digital tools are a secure and convenient extension of your everyday personal banking services.

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Convenience and eServices

Provident Bank also has additional convenience and electronic services available.

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Why Choose Provident Bank?

When you open a personal banking account with Provident Bank, you’re choosing a trusted financial partner committed to your success. Here’s why our customers stay with us year after year:

Experience you can trust – Decades of service in the community.
Secure technology – State-of-the-art tools to protect your accounts.
Local decision-making – Friendly bankers who know you by name.
Comprehensive services – Checking, savings, lending, and financial guidance

We're not just here to hold your money—we're here to help it grow, protect it, and make it work for you.

About Us

Visit Us or Contact Us

With convenient locations across the Inland Empire, we're always nearby when you need us.

Find a Branch or ATM

You can also connect with us online or by phone to learn more about our personal banking products and services.

Reach out to Provident Bank