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Explore Bankrate's 2015 High-Yield Checking Survey: The Provident Bank

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The Provident Bank of Jersey City, New Jersey, offers two reward checking accounts. Earn a 1 percent annual percentage yield on its Provident Green Checking with a balance cap of only $1,000. Earn a 1.51 percent annual percentage yield on its Provident Smart Checking, with a middling balance cap. Bankrate's 2015 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 (Green Checking)

Location: Jersey City, NJ

Nationally offered?Y
APY %1
Default APY %0.15
Monthly debit transactions required0
Bill pay or automatic withdrawal required?N
Direct deposit required?N
E-statements required?Y
Balance cap$1,000
APY % above cap0.15
Notes:
Provident Green Checking: Nationally available. Online statements required. Balance above $1,000 earns 0.15%. ATM fee refund: Up to $10 per month.
 

The Provident Bank (Smart Checking)

Location: Jersey City, NJ

Nationally offered?N
APY %1.51
Default APY %0.05
Monthly debit transactions required10*
Bill pay or automatic withdrawal required?Y*
Direct deposit required?Y*
E-statements required?Y
Balance cap$15,000
APY % above cap0.5
Notes:
Provident Smart Checking: Available to New Jersey and Pennsylvania residents. 1 direct deposit or automatic payment per month is required. E-statements required. Debit transactions must be signature-based. All ATM fees reimbursed if requirements are met. Balance of $15,000 to $25,000 yields 0.5%, if requirements are met. Balance above $25,000 yields 0.15%.

*See notes section for more details.

Bankrate.com canvassed banks, thrifts and credit unions from March 16 to March 25 and has displayed data on 56 high-yield checking accounts.

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Bankrate's 2015 High-Yield Checking Survey You can earn a good return on high-yield checking -- if you can meet the requirements.
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