Provident Bank
Category: Bank Deals, Checking Accounts, Local Bank Deals- fhuff- 3:03 pm/ March 5, 2010Provident Bank has a free Smart Checking Account with a 3.26% annual percentage yield (APY) on balances up to $25,000. To receive the bank rate on the checking account you must meet the following requirements:
- Must make 10 Provident Visa debit card signature purchases during each statement cycle
- Receive one direct deposit or process one automatic ACH debit per statement period
- Receive statements electronically
The checking account also has the following features:
- 0.75% APY on portion of balance above $25,000
- ATM fees nationwide are refunded if requirements met
- No monthly service fees
If you don’t meet all the requirements of the account, the bank rate falls to 0.25% on the entire balance. However, you can start over during the next statement period to meet the requirements to earn the higher bank rate. During this time the checking account is still free.
Interest on the checking account can change at any time. The daily balance method is used to calculate interest, which is paid monthly and posts to the account on the last day of the statement period.
You don’t have to do anything to receive a refund of ATM fees as long as you meet all the requirements of the account. However, only ATM fees in the U.S. are refunded, not those incurred abroad.
Provident Bank is based in Jersey City, N.J.
- 6 Month CD %
- 1-year CD %
- 2-year CD %
- Money Market Account %
- Savings Account %
- 30-year Fixed Mortgage 3.62 %
Bank rates provided by MoneyRates.com based on average rates for deposits under $10K and conforming mortgage rates
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