Essential Checking    Back to the top

  • $100 minimum to open account
  • No minimum balance
  • No monthly service fee
  • Unlimited check writing
  • Two (2) non-Provident ATM fee refunds per month
  • $3 paper statement fee
  • Electronic statements are available
  • Online banking access and bill pay
  • Check Express debit card
  • BankLine telephone banking
  • Optional Bounce Protection
  • .25% discount on new consumer loans if payments are drafted

Loyalty Checking    Back to the top

(Clients 50 and up)

  • $100 minimum required to open account
  • No minimum balance
  • No monthly service charge
  • Four (4) non-Provident ATM fee refunds per month
  • Paper statements with large check images
  • Unlimited check writing
  • Complimentary custom checks (two (2) boxes per year)
  • 50% discount on Provident 3x5 Safe Deposit Box (subject to availability)
  • Notary service
  • Online banking access and bill pay
  • Check Express debit card
  • BankLine telephone banking
  • Optional Bounce Protection
  • .25% discount on new consumer loans if payment is drafted

Primary Money Market Account    Back to the top

  • $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

Express Savings    Back to the top

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

Children's Savings    Back to the top

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).

Building Block CD    Back to the top

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.

IRA's    Back to the top

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.

Safe Deposit Boxes    Back to the top

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

Check Express Card (Debit Card)    Back to the top

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

ATM Card    Back to the top

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