Provident Community Bank - Personal Banking

Our Revolutionary Checking Account Minimum to open account is $100

Our Revolutionary Savings Account Minimum to open account is $100

Earn high yielding interest monthly
Dream Checking account required
No monthly service charge
Must meet qualifications for Dream Checking to receive high interest for this account
Federal regulations limit third party transactions or pre-authorized transfers to six per statement period
Click Dream Savers Logo to the right for details

(Clients 50 and up)

$2,500 minimum required to open account
Earn a competitive rate of interest with our tiered rate structure
To avoid a $25 monthly minimum balance fee you must maintain an average daily balance of $2,500
Federal regulations limit third party transactions or pre-authorized transfers to six per statement period; $10 fee will be assessed for each item in excess of transaction limitations
Electronic or paper statements
Unlimited Provident Community Bank ATM usage
Optional Bounce Protection
.25% discount on new consumer loans if payments are drafted

An Easily Accessible Savings Account

$100 minimum to open account
$100 daily balance to earn interest
Interest calculated daily and credited quarterly
Unlimited Provident Community Bank ATM usage
Avoid a $5.00 minimum balance fee by maintaining a daily balance of $100
Federal regulations limit third party transactions or pre-authorized transfers to six (6) per statement period
Receive monthly statements if there is activity on the account; otherwise a quarterly statement will be mailed
$1.50 withdrawal fee per month for each withdrawal in excess of three if the minimum balance falls below $1,000

An Easily Accessible Savings Account for Minors Under the Age of 18

$25 minimum to open account
$10 minimum daily balance to earn interest
Interest calculated daily and credited quarterly
Receive monthly statements if there is activity on the account; otherwise a quarterly statement will be mailed
Federal regulations limit third party transactions or pre-authorized transfers to six (6) per statement period
$3.00 transaction fee will be assessed each month for each withdrawal in excess of three (3).

Systematic Savings Option With Automatic Transfers!

Systematic savings option that automatically transfers at least $25 each monthly from your checking account.
As your balance grows, so does your interest rate.
FDIC insured.
$250 minimum to open.
The interest rate is a variable rate with a tiered rate structure. Interest is earned daily and compounded quarterly.
The term is for 36 months.
Automatically renewable with a 10 day grace period.
Withdrawals prior to maturity for educational or home purchases will be allowed without a penalty. All other withdrawals before maturity are subject to an early withdrawal penalty. The penalty will be six months interest on the amount you are withdrawing whether earned or not.

Individual Retirement Accounts

Variety of terms; 91 days - 60 months
An easy and attractive alternative to saving money for your retirement.
$100 minimum to open.
Traditional IRA - You must have earned income and be younger than 70½.
ROTH IRA - You must have earned income and are subject to MAGI limits.
The aggregate amount an eligible individual can contribute to a Traditional IRA and/or a ROTH IRA is the lesser of the applicable contribution limit or 100% of earned income.
The interest rate is a fixed rate. You will be paid this rate until the maturity date
Interest is earned daily and compounded quarterly.
Automatically renewable with a 10 day grace period.
Withdrawals before maturity are subject to the Bank's early withdrawal penalty if the account holder is under age 59 1/2. The IRS will impose a 10% early distribution penalty and the funds will be considered as taxable income if from Traditional IRA. ROTH contributions may be withdrawn free of taxation and IRS penalties. Converted assets to a ROTH and all its earnings must remain for the five year holding period or the IRS 10% penalty will apply.

Keep Your Valuables Safe With Your Own Personal Safe Deposit Box

For personal and commercial use.
Sizes vary at each location.
Fees vary according to size.
Replacement of lost or stolen keys and/or drilling of box is at the customer's expense.
Boxes are at the following banking centers:
- 502 N. Duncan Bypass, Union, SC 29379
- 934 Forest St., Jonesville, SC 29353
- 206 Hillcrest Dr., Laurens, SC 29360
- 801 US Hwy 321 Bypass South, Winnsboro, SC 29180
- 2700 Celanese Rd., Rock Hill, SC 29732
- 615 Crown Pointe Lane, Rock Hill, SC 29730
- 116 NE Main Street, Simpsonville, SC 29681

Our Visa Check Card May Look Like a Credit Card, But It's Not!

Make purchases anywhere you see the Visa symbol.
Have 24 hour access to your checking account
Your checking account is automatically deducted for the amount of the purchases made anywhere you see the Visa symbol
Purchases are limited to $1000 per day (higher limits can be approved upon special request)
Provides 24 hour access to your checking account at any ATM location
Card replacement is $7.00

Provides 24 Hour Access to Your Checking or Savings Account

Withdraw, transfer funds, make deposits or get balance information. Deposits are credited the next business day.
Unlimited withdrawals up to $300 per day.
Higher withdrawal limits may be approved upon special request.
Card Replacement is $7.00
ATM Locations:
- 502 N. Duncan Bypass, Union, SC 29379
- 934 Forest Street, Jonesville, SC 29363
- 206 Hillcrest Dr., Laurens, SC 29360
- 801 Hwy. 321 Bypass South, Winnsboro, SC 29180
- 2700 Celanese Rd., Rock Hill, SC 29732
- 322 W. South Street, Union SC 29379
- 203 W. Main Street., Union, SC 29379
- 615 Crown Pointe Lane, Rock Hill, SC 29730
- 116 NE Main Street, Simpsonville, SC 29681