Checking Choices Provident Credit Union

Checking Choices Provident Credit Union PO Box 8007, Redwood City, CA 94063 / (800) 632-4600

Super Reward Checking

Provident Checking

Simply Free Checking

Youth Checking

A complete banking package that pays dividends and gives you savings on other services. Great if you use ATMs, e-Documents, direct deposit or bill pay, and prefer debit card payments to writing checks. Limit 1 Super Reward Checking account per membership.

A full-featured checking package that gives you additional benefits and savings on other services. No electronic service usage required.

A basic, no-fee checking account that's great if you are just starting out.

No electronic service usage are required.

Available to youth members ages 13-17, giving you the ability to begin to independently maintain your own finances.

Requirements

Minimum $25 opening deposit and a valid e-mail address. To receive the highest rate of dividends and free transactions at any ATM3, 6:

? Make purchases of $300 or more using a Provident debit and/or credit card per month.,

? Have 1 direct deposit or ACH transfer (automatic debit or credit) posted per month.

? Maintain enrollment in e-Documents.

Minimum $25 opening deposit. To avoid monthly account fees, maintain one (1) of the following: ? $2,500 combined savings/ checking/deposit

balances OR

? Direct Deposit4 -- minimum $1,000/month OR

? Bill Manager -- minimum of 2 electronic payments/ month****

**** Bill Payments issued to the recipient electronically via Provident's Bill Manager count towards this requirement. Bill payments issued to the recipient via paper check or Provident's PayItNow service do no count towards this requirement.

Minimum $25 opening deposit.

Minimum $25 opening deposit. Must open a Youth Savings Account with a minimum deposit of $5.

Joint owner age 18+ required. Must receive e-Documents.

Monthly Fee

FREE -- no monthly fee or minimum balance required.

FREE if requirements are maintained. Otherwise, $10 FREE -- no monthly fee or minimum balance

per month.

required.

FREE -- no monthly fee or minimum balance required.

Pays Dividends

Yes (See "Savings & Checking Rate Guide" for details) No

No

No

Special features

? FREE overdrafts from savings, Visa? credit card,* money market, and other checking accounts.

? FREE transactions at any nationwide ATM6 (conditions apply).

? FREE overdrafts from savings, Visa? credit card*, and money market, and other checking accounts.

? FREE Provident checks for life.5

? Four (4) FREE ATM withdrawals at non-Provident ATMs per month.7

? FREE box of checks (120) at time of account opening.

? Overdraft protection ($4 fee).

? Four (4) FREE ATM withdrawals at non-Provident ATMs per month.7

? FREE overdrafts from Youth Savings.

? Four (4) FREE ATM withdrawals at non-Provident ATMs per month.7

All Accounts Feature

? FREE online and mobile banking ? FREE online bill pay ? FREE Visa? debit card

? e-Deposit ? Round Up Program11 ? No-fee travelers checks, official checks, and money orders12

? Digital Wallets (Apple PayTM, Samsung Pay, Android Pay, Visa Checkout) ? Alerts to keep track of your account activity

Relationship Discounts 10

Yes

Yes

Yes

Yes

* Overdraft to a Visa? credit card is available when writing checks and for ACH (electronic auto debits). Your Visa? is not available to cover overdrafts caused by automatic loan payments, online bill payments, and signature or PIN-based Visa? debit card transactions. Cash advance fees will apply for every overdraft usage.

Automatic or electronic payments using your checking account and routing number are not considered purchases. By providing your payee with your debit or credit card number, your posted automatic payments will be counted as eligible purchases. Some bill payments will meet the monthly requirement for an ACH debit or

credit transaction. Debit card cash-back amounts, cash advances on credit cards, and checks do not count towards qualifications. Only one Visa? credit card can have its purchases count towards your qualifications each month (whichever one that is selected on the account on the last business day of the month). If you

have more than one Super Reward Checking account, credit card purchases on one credit card cannot meet the requirements of more than one checking account. 3 These are the requirements to receive the highest rate of dividends. If the 3 requirements are not met in their entirety, the APY will be 0% and no ATM rebates will

be issued for that month. IMPORTANT: All qualifying purchases and transactions referred to as "per month" or "monthly" only count towards the requirement of the month in which they POST, which will be on a business day (Monday ? Friday) and may take one or more business days from the purchase/transaction date. 4 Direct

Deposit of payroll, pension or benefit checks only. 5 One box of Provident branded checks may be ordered at a time as long as account remains in good standing. 6 Free ATM transactions are subject to all account requirements being met. Provident will rebate the nationwide ATM surcharge imposed by the other institution

that owns the ATM. Super Reward Checking rebates up to $12 per month. ATM rebate will be deposited into the qualifying account, including ATM transactions with a Membership Savings account, on the first day of the following month. 7 This is the fee Provident charges for using an ATM that does not belong to Provident or

the CO-OP ATM Network. See fee schedule. The other institution that owns the ATM may impose a surcharge. 11 Automatically rounds your debit card transactions to the nearest dollar and transfers the change to a savings account. Enrollment and additional program details available through online banking. Super Reward

Checking is not eligible for the anniversary matching feature of this program. 12 Limited to two official checks and three money orders per day per member at no charge. Additi onal official checks and/or money orders are subject to a fee. Consult the Service Charge Schedule for current fees.

? PCU 7/17 ID 13518

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