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Personal Banking Accounts

Our experienced professionals are ready to assist you in choosing the Personal Banking Account that works best for you. All Providence Personal Banking Accounts include these convenient features:

  • Providence Debit/ATM Visa ® Card
  • Mobile & Text Message Banking with Mobile Deposit & Mobile Bill Pay
  • Online Banking with Bill Pay
  • Telephone Banking
  • Mobile Pay – Apple Pay, Samsung Pay, Fitbit Pau, Garmin Pay, Google Pay
  • Direct Deposit
  • Person to Person Payments
  • Access to over 55,000 ATMS through the Allpoint Network* Allpoint icon

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 Bank & Trust does not charge an ATM service fee for transactions conducted at any Allpoint ATM or Providence Bank & Trust ATM.  Any transaction conducted at a non-proprietary ATM (any non-Allpoint or non-Providence Bank & Trust ATM) will be charged $2.00 per transaction.  Transactions include cash withdrawals, balance inquiries and transfers.  To confirm an ATM is part of the Allpoint network, and thus is surcharge-free, visit allpointnetwork.com.


Achieve More Banking

 For customers who value earning a higher rate of interest, the Achieve More Banking provides these advantages:

  • ALL Providence Personal Banking benefits (listed above)
  • Promotional Rate of 3.00% APY*
  • Monthly email or online statement
  • No fees for using Providence Bank & Trust ATMs

 

  • Account Maintenance Fee: $7.95
  • Account Maintenance Fee waived if: 15 signature (non-pin) POS transactions with a minimum of $10.00 each post; receive electronic statements and at least one ACH credit or ACH debit post – all per statement cycle.

 *Offer valid beginning May 1, 2019 and may be terminated at any time.  Requires minimum $100.00 opening deposit.   Achieve More Banking 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 3.00% 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, Achieve More Banking 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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Simply Banking

 For customers who value easy money management, the Simply Banking provides these advantages:

  • ALL Providence Personal Banking benefits (listed above)
  • Unlimited check writing
  • Unlimited withdrawals or debits
  • Electronic Statements required (email or online)*
  • No Monthly Account Maintenance Fee

* Simply Banking account requires Electronic Statements (email or online). Paper statements are available for a $5.00 monthly charge.

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Simply Plus Banking

 For customers who value an interest bearing account, Simply Plus Banking provides these advantages:

  • ALL Providence Personal Checking benefits (listed above)
  • Earns interest
  • Unlimited check writing
  • Unlimited withdrawals or debits
  • Electronic Statements (email or online)
  • Complimentary Official Checks
  • Complimentary check printing with Providence Simply Plus check style

 

  • Account Maintenance Fee: $15.00 per statement cycle
  • Account Maintenance Fee waived if: Maintain a minimum daily balance of $1,000 or $2,500 average daily balance for the statement cycle.

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Student Banking

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

  • ALL Providence Personal Checking benefits (listed above)
  • Unlimited check writing
  • Unlimited withdrawals or debits
  • Electronic Statements (email or online)
  • NO monthly or transaction fees

* Student Banking 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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All trademarks and registered marks are the properties of their respective owners.