Checking Accounts

Sitting on the floor and using tablet for online shopping. Woman holding credit card.

Provident Federal Credit Union offers several different checking accounts to fit your specific needs: Regular, Ultra Plus, One Plus One and Money Market checking accounts. Each account is unique, but all of our accounts offer the following benefits:

  • No minimum balance to maintain on selected accounts.*
  • No monthly service charge on selected accounts.*
  • Overdraft protection & line of credit is available.
  • Money may be automatically added to your account through
    convenient payroll deductions, in person or by mail.
  • Monthly statements.
  • No per check charge.
  • Direct Deposit.

Checking Accounts - Products

Regular Checking

  • No monthly service charges with a $300 balance or higher.
  • Overdraft protection.
  • No per check charge.
  • Direct Deposit.

Ultra Plus Checking

  • No monthly service charges.
  • Free Checks.
  • VISA Debit Card accepted at all VISA ATMs and merchants.
  • VISA Credit Card with no annual fee.
  • Direct Deposit.

Money Market Checking

With a Money Market Account, members can earn high rates of interest while enjoying greater financial flexibility. A minimum deposit of only $500 will open a Money Market Account.

Interest is earned and posted monthly.

  • $0 to $999 at no interest.
  • $1,000 plus with interest.

* Some restrictions may apply. Please consult the Credit Union office personnel for the current list of fees. Our phone numbers are 302-734-1133 or 888-328-7120.

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New Online Banking Security Feature Coming Soon

All current users will be required to select new challenge questions/answers beginning on 5/14/26, and set up phone numbers that will be able to receive one-time passcodes (OTP) for each login going forward. Please make sure that the phone numbers currently listed for your online account are correct. If you have any questions regarding these changes, please contact Provident FCU at 302-734-1133.

How does the new security feature work?
When logging into online banking on your computer, you will receive a message (text or voice) on your phone with a 6-digit code. You will be asked to enter this code to complete the login process on your computer. This feature takes place of answering security questions when logging into online banking. This feature is also available in the mobile app.