Commercial Checking Accounts

Offering a full suite of commercial banking accounts, our products will help you achieve more in your business by helping you maximize your dollars and minimize your time.

Providence Account Analysis Checking

For businesses with moderate to high volume activity, Account Analysis Checking provides these competitive advantages:

  • Business Debit Card
  • Monthly earnings credits to reduce or eliminate maintenance and processing fees
  • Easy-to-read monthly statements with check images in check number order to facilitate account balancing
  • Optional online banking and other cash management services
  • Optional sweep feature (maximize earning on idle cash balances,
    while maintaining the liquidity your business demands)
  • Optional combining of activities and balances of two or more accounts for the same business to access funds in one account to offset maintenance and processing fees in another account

Providence Small Business Checking

For businesses with smaller balances and low volume activity, Small Business Checking provides these competitive advantages:

  • Business Debit Card
  • NO minimum balance
  • NO monthly service fee
  • NO activity charges for fewer than 100 transactions per month including checks paid, deposits, checks deposited, ACH transactions and others*
  • FREE electronic easy-to-read monthly statements with check images in check number order
  • Optional online banking and other cash management services

* A $.50 fee applies for each transaction exceeding 100 regardless of the balance maintained.

Providence Mid-Size Business Checking

For businesses with moderate activity, Mid-Size Business Checking provides these competitive advantages:

  • Business Check Card
  • NO monthly service fee*
  • NO activity charges for fewer than 300 transactions per month including checks paid, deposits, checks deposited, ACH transactions and others **
  • Easy-to-read monthly statements with check images in check
    number order to facilitate account balancing
  • Optional online banking and other cash management services

* Requires maintaining a $5,000 minimum balance or an average collected balance of $10,000.  A $15.00 monthly service fee applies if balance doesn’t meet minimum.

** A $.50 fee applies for each transaction exceeding 300 regardless of the balance maintained.

Providence Charitable Checking

For nonprofit and civic organizations with high volume activity, Charitable Checking* provides these advantages:

  • NO monthly service fee
  • Unlimited check writing
  • Easy-to-read monthly statements with check images in check number order to facilitate account balancing
  • Optional online banking and other cash management services

*Providence Bank & Trust reserves the right to limit the availability of Charitable and Community products to accounts with reasonable activity levels.

Providence Charitable NOW Checking

For nonprofit and civic organizations that want to earn interest, Charitable NOW Checking provides these advantages:

  • Competitive interest rate
  • Compounded tiered interest paid monthly (higher balances earn a higher rate of interest)
  • NO monthly service fee*
  • Easy-to-read monthly statements with check images in check number order to facilitate account balancing
  • Optional online banking and other cash management services

*Minimum balance is $2,500. If balance falls below minimum there is a $10.00 monthly service fee applied.
Providence Bank & Trust reserves the right to limit the availability of Charitable and Community products to accounts with reasonable activity levels.

Providence Community Checking

For nonprofit and civic organizations with smaller balances and low volume activity, Community Checking* provides these advantages:

  • NO monthly service fee
  • NO minimum balance
  • Easy-to-read monthly statements with check images in check number order to facilitate account balancing

*Providence Bank & Trust reserves the right to limit the availability of Providence Charitable and Community products to accounts with reasonable activity levels.