Dream Checking

Our Revolutionary Checking Account         Minimum to open account is $100

  • Checking Account that earns interest
  • Click Dream Checking Logo to the right for details

Dream Savers

Our Revolutionary Savings Account         Minimum to open account is $100

  • Savings Account that earns interest
  • Click Dream Savers Logo to the right for details

Provident Prestige Checking

The Ultimate Checking Account          Minimum to open account is $100

  • Unlimited check writing
  • Complimentary Provident Prestige custom checks
  • Interest earned on balances of $600 or more
  • Check Manager imaged statements
  • .25% discount on consumer loans*
  • .25% rate premium on Certificates of Deposits (excluding limited-time special offers)
  • Complimentary second checking account
  • Complimentary savings account with no service fees
  • Complimentary Debit Card
  • Complimentary Prestige checkbook cover
  • Complimentary Provident 3x5 safe deposit box
  • $20.00 monthly fee if balance falls below requirements

No service charge if one of following balance requirements is satisfied:
   · Combined Provident deposit balances of $10,000 or more
   · Combined loan Balances of $15,000 or more

*Subject to Credit Approval

Provident Flex Premium Checking Account

Unlimited Check Writing Privileges         Minimum to open account is $1,000

  • Tiered account - the higher the balance, the more interest you earn*
  • Unlimited check writing privileges
  • Provides liquidity

Fees: $10 monthly fee if your average daily balance falls below $1000

* Ask an associate for current rates. The purpose of this account is to provide a high yielding interest bearing checking account that has unlimited check writing privileges.

Provident Club Account    Back to the top

Unlimited Checking with Premium Options Minimum to open account is $100
Flat monthly fee of $7.00

  • Unlimited check writing
  • Free Provident Club custom checks
  • Interest earned on balances of $600 or more
  • Check Manager imaged statements
  • .25% discount on consumer loans*
  • Complimentary Debit Card

Provident Senior Banking    Back to the top

Seniority has its rewards Minimum to open account is $100
No monthly service charge
For clients age 50 and up

  • No minimum balance
  • Unlimited check writing
  • Complimentary Provident Senior Banking custom checks (two boxes per year)
  • Check Manager imaged statements with enlarged images
  • Interest earned on balances of $600 or more
  • Complimentary Debit Card
  • 50% discount on a Provident 3x5 safe deposit box

Provident Totally Free Checking    Back to the top

All the essentials with no monthly fee Minimum to open account is $100
No monthly service charge

  • No minimum balance
  • Unlimited check writing
  • Check Safekeeping
  • Complimentary Debit Card
  • Four complimentary check copies per year

Money Market Deposit Checking    Back to the top

  • $1,000 minimum required to open account
  • Earn a competitive rate of interest with our tiered rate structure
  • Accessible with limited check writing privileges
  • Unlimited over the counter withdrawals
  • Truncated checks
  • Avoid a $10.00 monthly minimum balance fee by maintaining an average daily balance of $1,000
  • Federal Regulations limit third party transactions or pre-authorized transfers to six per statement period. For each item in excess will be a $10.00 fee

Premium Money Market Deposit Account   Back to the top

  • $10,000 minimum required to open account
  • Earn a competitive rate of interest with our tiered rate structure
  • Accessible with limited check writing privileges
  • Unlimited over the counter withdrawals
  • Truncated checks
  • to avoid a $10.00 monthly minimum balance fee, you must maintain an average daily balance of $1,000
  • Federal Regulations limit third party transactions or pre-authorized transfers to six per statement period. For each item in excess will be a $10.00 fee

Express Savings    Back to the top

An Easily Accessible Savings Account

  • $50 minimum to open account
  • $100 daily balance to earn interest
  • $10 minimum balance
  • Interest calculated daily and credited quarterly
  • Avoid a $5.00 monthly minimum balance fee by maintaining a daily balance of $100
  • A withdrawal fee of $1.50 will be imposed for each withdrawal in excess of three (3) if minimum balance falls below $1,000
  • Monthly statement if there is activity; otherwise a quarterly statement is mailed
  • Federal regulations limits third party transactions or pre-authorized transfers to six (6) per statement cycle.

Children's Savings    Back to the top

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

  • $50 minimum to open account
  • $10 minimum daily balance to earn interest
  • Interest calculated daily and credited quarterly
  • No service charge
  • Monthly statement if there is activity; otherwise, a quarterly statement will be mailed
  • Federal regulations limits third party transactions or pre-authorized transfers to six (6) per statement.

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 contribution limit for 2010 is $5,000 (or 100% of compensation if smaller) and for those IRA owners who have attained age 50 may contribute a Catch-Up contribution amount of $1,000.
  • 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