Secure Online Banking

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PERSONAL BANKING ACCOUNTS

 

FDIC –  How to Pick a Bank Account Checklist

For people new to the banking system, finding the right bank account can be a challenge. Banks offer accounts with different features, costs, and requirements. This checklist can help you make the best decision.


Impact Statement

We are dedicated to making a difference in our communities, helping to improve the lives of the people who live and work in the neighborhoods we serve, and providing a superior value-based banking choice delivering long-term success for all.


Online & Mobile Banking1

Do Your Banking Anytime From Anywhere with Online and Mobile Banking


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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 Pay1
  • Online Banking with Bill Pay
  • Telephone Banking
  • Mobile Pay
  • Direct Deposit
  • Person to Person Payments 
  • Access to over 55,000 ATMS through the Allpoint Network2 Allpoint icon

 

Achieve More Banking

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

  • ALL Providence Personal Banking benefits (listed above)
  • Promotional Rate of 2.75% APY*
  • Monthly email or online statements
  • No Monthly Account Service Fee

 


*Offer valid beginning June 4, 2024 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, Achieve More Banking Balances of $0.00 to $15,000 will earn 2.75% APY (annual percentage yield).  Any funds in the account over $15,000 will earn 0.51% 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 0.43% APY.  Interest is calculated using the Average Daily Balance Method when qualifications are not met.  APY is accurate as of June 4, 2024.  Interest rates are subject to change at any time.  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.

 

Simply Banking

 For customers who value easy money management, 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 Service Fee

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

 

Simply Plus Banking

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

  • ALL Providence Personal Banking 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

Associated Fees:

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

 

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 Banking 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.

 


Important Disclaimer Information:

Personal accounts limited to individuals only. Interest rates are subject to change at any time on all interest earning accounts. Account fees may reduce earnings. Other fees, activity charges and restrictions may apply to all accounts.

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

1 Downloadable App for Apple and Android users and text message banking are available. Providence Bank & Trust does not charge fees for using the basic consumer and/or business mobile banking service. Mobile deposit, a feature within mobile banking, is available to consumers with no fee and is available to businesses with no fee for deposits up to $20,000 per business day.  However, if a businesses’ mobile deposits exceed $20,000 per business day, a $25 fee per month will apply.  In addition, your wireless carrier may charge a fee for SMS (text) messaging and/or data usage, whichever is required for mobile banking. Other fees or restrictions may apply. 

2 Providence Bank & Trust does not charge an ATM service fee for transactions conducted at any Allpoint ATM or Providence Bank & Trust ATM.  Any cash withdrawal, balance inquiry or transfer transaction conducted at a non-proprietary ATM (non-Allpoint or non-Providence Bank & Trust ATM) will be charged $2.00 per transaction.  Within the Allpoint network, Allpoint+ deposit-enabled ATMs accept cash only deposits up to $1,000 per transaction. To confirm an ATM is part of the Allpoint network, and thus is surcharge-free, visit allpointnetwork.com. Filter options within the ATM map location allow identification of Allpoint+ cash deposit-enabled ATMs.