Personal Banking Checking Accounts

Our experienced professionals are ready to assist you in choosing the personal checking account that works best for you. When you open any Providence Personal Checking Account you will receive the following:

  • FREE Mobile & Text Banking†
  • FREE Online Banking with Bill Payment
  • FREE Telephone Banking
  • FREE Check/ATM Visa Card
  • FREE Check Images with Monthly Email or FREE Online Statements
  • FREE Direct Deposit
  • All account information combined on one statement
  • UNLIMITED check writing
  • Access to over 55,000 ATMS through the AllPoint Network

† Free downloadable App for Apple and Android users and text message banking are available. Providence Bank & Trust does not charge fees for using the mobile banking service. However, your wireless carrier may charge a fee for SMS (text) messaging and/or data usage, whichever is required for mobile banking. All trademarks, service marks and registered marks are the properties of their respective owners.


Providence Reward Checking

 For customers who value earning a higher rate of interest, the Providence Reward Checking account provides these advantages:

  • ALL Providence Personal Checking benefits (listed above)
  • Reward Rate of 1.50% APY*
  • Monthly email or online statement
  • No fees for using Providence Bank & Trust ATMs

 *Offer valid beginning July1, 2017 and may be terminated at any time.  Requires minimum $100.00 opening deposit.   Initial funds deposited in account must be funds not currently on deposit with Providence Bank & Trust.  Reward Checking account will earn promotional rates each month when the following qualifications are met: (1) 15 signature (non-pin) POS transactions with a minimum of $10.00 each post to the account in the statement cycle.  Statement cycle is month end. (2) Account receives electronic statements. (3) Account has at least one ACH Credit or ACH Debit post to the account in the statement cycle.  When the qualifications are met, Reward Checking Balances of $0.00 to $15,000 will earn 1.50% APY (annual percentage yield).  Any funds in the account over $15,000 will earn 0.21% APY. Interest is calculated using the Daily Balance Method when qualifications are met.  If the qualifications are not met for the month, Reward Checking Balances of $0.00 or more will earn 0.03% APY.  Interest is calculated using the Average Daily Balance Method when qualifications are not met. Interest rates are subject to change at any time.  If the qualifications are not met for the month, an account service fee of $7.95 will be charged.  Fees may reduce earnings on the account. Account is limited to individuals only and activity charges can be imposed. Other fees or restrictions may apply.

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Providence Free Checking

 For customers who value easy money management, the Providence Free Checking account provides these advantages:

  • ALL Providence Personal Checking benefits (listed above)
  • NO monthly fee
  • NO minimum balance required
  • Monthly email or online statement
  • No fees for using Providence Bank & Trust ATMs

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Providence Student Checking

 For the student preparing for an after school or summer job or for heading off to college, Providence Student Checking* provides these advantages:

  • ALL Providence Personal Checking benefits (listed above)
  • NO minimum opening deposit or balance required
  • NO monthly or transaction fees
  • NO fees for using Providence Bank & Trust ATMs

* Providence Student Checking is available to students ages 16-24 with proof of student status. Customers under the age of 18 are required to have a parent/guardian as joint owner on the account.

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Providence Preferred Checking

 For customers who value an interest bearing account, Providence Preferred Checking provides these advantages:

  • ALL Providence Personal Checking benefits (listed above)
  • Earn interest at any balance
  • Compounded tiered interest paid monthly (higher balances earn a higher rate of interest)
  • NO monthly fee*
  • FREE optional printed check images with monthly statement
  • FREE Cashier Checks
  • FREE check printing with the Providence Preferred check style

* Minimum balance is $1,000 or an average collected balance of $2,500. If balance falls below minimum there is a $15.00 monthly service fee applied.

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Providence Senior Checking

 For customers 55 and better who utilizing our FREE direct deposit, Providence Senior Checking provides these advantages:

  • ALL Providence Personal Checking benefits (listed above)
  • NO monthly fee
  • NO minimum balance required
  • One FREE Cashier Check per month
  • FREE check printing with the Providence Senior check style or 30% off any other check style we offer
  • FREE optional printed check images with monthly statement

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