Personal Checking Accounts
At Provident Bank, we make personal banking easy with flexible checking accounts designed to fit your life. Whether you're managing everyday expenses, helping a teen build smart money habits,
or looking for an account that earns interest, we have a personal checking account for you.
Explore our options:
Explore our options:
eVantage
- $25 Minimum Opening Deposit
- $4.95 Monthly Service Charge
- Does Not Earn Interest
- No Unlimited Check Writing
- Access to 55,000 Allpoint ATMs
- No Foreign ATM Fee (2)
- MyProvident® Online Banking
- MyProvident Mobile® Banking (3)
- Online Bill Pay
Additional Benefits
- eStatements
- No Savings Overdraft Protection Plan
- No Overdraft Line of Credit Protection Plan Available
Provident Value Checking™
- $100 Minimum Opening Deposit
- $15 Monthly Service Charge
- Service Charge Waiver--Click Product Information
- Does Not Earn Interest
- Unlimited Check Writing
- Access to 55,000 Allpoint ATMs
- No Foreign ATM Fee (2)
- MyProvident® Online Banking
- MyProvident Mobile® Banking (3)
- Online Bill Pay
Additional Benefits
- eStatements
- Savings Overdraft Protection Plan Available
- Overdraft Line of Credit Protection Plan Available (subject to credit approval)
Provident Value Plus™
- $100 Minimum Opening Deposit
- $18 Monthly Service Charge
- $20 Monthly Service Charge w/Paper Statement
- Service Charge Waiver--Click Product Information
- Earns Interest
- Unlimited Check Writing
- Access to 55,000 Allpoint ATMs
- No Foreign ATM Fee (2)
- MyProvident® Online Banking
- MyProvident Mobile® Banking (3)
- Online Bill Pay
Additional Benefits
- eStatements
- Savings Overdraft Protection Plan Available
- Overdraft Line of Credit Protection Plan Available (subject to credit approval)
Gold Advantage 50+
- $100 Minimum Opening Deposit
- $5 Monthly Service Charge
- $7 Monthly Service Charge w/Paper Statement
- Service Charge Waiver--Click Product Information
- Earns Interest
- Unlimited Check Writing
- Access to 55,000 Allpoint ATMs
- No Foreign ATM Fee (2)
- MyProvident® Online Banking
- MyProvident Mobile® Banking (3)
- Online Bill Pay
Additional Benefits
- eStatements
- Savings Overdraft Protection Plan Available
- Overdraft Line of Credit Protection Plan Available (subject to credit approval)
Teen 13-19 (1)
- $25 Minimum Opening Deposit
- $0 Monthly Service Charge
- Does Not Earn Interest
- Unlimited Check Writing
- Access to 55,000 Allpoint ATMs
- No Foreign ATM Fee (2)
- MyProvident® Online Banking
- MyProvident Mobile® Banking (3)
- Online Bill Pay
Additional Benefits
- eStatements
- No Savings Overdraft Protection Plan Available
- No Overdraft Line of Credit Protection Plan Available
NOTES:
(1) A parent or guardian must be joint owner on the account for teens who are 13-17 years of age.
(2) Provident Bank does not charge a foreign ATM fee, however service fees charged by other ATM owners still apply. Other Provident Bank fees may apply, including but not limited to International Service Assessment Fees.
(3) Carrier's message and data rates apply. Additional terms and conditions apply as provided in the mobile agreement/addendum.
For specific and additional product details, please refer to Provident's Product Disclosures, and Schedule of Fees. All rates, fees, terms, and programs are subject to change without notice except as required by law.
(1) A parent or guardian must be joint owner on the account for teens who are 13-17 years of age.
(2) Provident Bank does not charge a foreign ATM fee, however service fees charged by other ATM owners still apply. Other Provident Bank fees may apply, including but not limited to International Service Assessment Fees.
(3) Carrier's message and data rates apply. Additional terms and conditions apply as provided in the mobile agreement/addendum.
For specific and additional product details, please refer to Provident's Product Disclosures, and Schedule of Fees. All rates, fees, terms, and programs are subject to change without notice except as required by law.
FDIC Information
For more information regarding your FDIC Insurance coverage, please click to access the What is a Checking Account?
A checking account is a type of deposit account that allows you to deposit and withdraw money for daily transactions. It gives you fast, easy access to your funds through checks, debit cards, ATMs,
and online banking. Unlike savings accounts, checking accounts are built for frequent use and are ideal for paying bills, making purchases, and managing your finances.
Checking vs. Savings Accounts
While checking and savings accounts are essential for managing your finances, they serve different purposes. A checking account is ideal for everyday transactions like paying bills, purchasing,
and withdrawing cash. On the other hand, a savings account is designed for long-term savings, offering interest on your deposited funds to help you grow your money over time.
Understanding the differences between these accounts can help you better manage your financial resources.
Explore Our Savings Accounts
FAQ
Q: How do I open a personal checking account at Provident Bank?
A: You can start the process visiting a local branch to open your account with the required minimum deposit.
A: You can start the process visiting a local branch to open your account with the required minimum deposit.
Q: Can I switch from one checking account to another?
A: Yes! If you need to change account types, we’ll help you easily switch to a more suitable one.
A: Yes! If you need to change account types, we’ll help you easily switch to a more suitable one.
Q: What is the minimum age for opening a checking account?
A: Our teen checking account can be opened at 13 years old, and a parent or guardian must be a joint owner.
A: Our teen checking account can be opened at 13 years old, and a parent or guardian must be a joint owner.
Q: Do all accounts include mobile banking?
A: Yes, all Provident personal checking accounts include access to MyProvident Mobile® Banking.
A: Yes, all Provident personal checking accounts include access to MyProvident Mobile® Banking.
Q: Is overdraft protection available?
A: Overdraft protection plans are available on select accounts and are subject to credit approval.
A: Overdraft protection plans are available on select accounts and are subject to credit approval.
Still Have Questions?
If you have any questions about our personal banking services or need assistance choosing the right account for you, please don't hesitate to contact us or visit any of our bank locations
in Riverside or San Bernardino County, CA. Our friendly team is here to help you make the best financial decisions.