2014 high-yield checking: The Provident Bank Smart Checking

Checking » High-Yield Checking » Survey » The Provident Bank, Smart Checking

The Provident Bank of Jersey City, New Jersey, offers 1.51 percent annual percentage yield on its Provident Smart Checking, with a middling balance cap. Bankrate's 2014 High-Yield Checking Survey breaks down the returns you can get with each account and the hoops you'll have to jump through to get them.

The Provident Bank

Location: Jersey City, NJ

Nationally offered?APYAPY if conditions not metMonthly debit transactions requiredBill pay or automatic withdrawal required?Direct deposit required?Balance cap
Nationally offered? NAPY: 1.51%APY if conditions not met: 0.05%Monthly debit transactions required: 10Bill pay or automatic withdrawal required? Y*Direct deposit required? Y*Balance cap: $15,000


  • Provident Smart Checking: Available only in New Jersey.
  • Either one direct deposit or automatic payment per month is required. E-statements required. 
  • All ATM fees reimbursed if qualifications are met.
  • Balance above $15,000 yields 0.50%.

*See notes section for more details. canvassed banks, thrifts and credit unions March 10-13 and reports data on 56 high-yield checking accounts offered by 54 institutions.



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