Read on to learn more about the latest Provident Credit Union promotions, bonuses, and offers here.
Update 1/31/25: The $300 checking bonus has been extended through 2/28/25.
About Provident Credit Union Promotions
Provident Credit Union is headquartered in Redwood City, California and is the 21st largest credit union in the state. It was established in 1950 and has grown to 308 employees and 119,524 members at 21 locations.
Eligibility: Membership in Provident Credit Union is open to the following: (1) those who live or work in San Mateo, San Francisco, Santa Clara, Contra Costa, Alameda, Monterey, Sacramento, Pacer, Humboldt, or El Dorado Counties in California and the City of Los Angeles, and More. For full membership details, click here |
Provident Credit Union $300 Checking Bonus
- What you’ll get: $300 bonus
- Account Type: Checking
- Availability: CA (Bank Locator)
- Direct Deposit Requirement: Yes, $500+ for two consecutive months (see what works)
- Credit Inquiry: Hard pull for membership (report of soft pull in branch)
- ChexSystem: Yes, sensitive
- Credit Card Funding: Up to $1,000
- Monthly Fees: None, but there is a $10 joining fee (waived online)
- Early Account Termination Fee: None
- Household Limit: One
(Expires 02/28/2025)
Editor’s Note: There is an alternative link that you can use to access this deal. Click here.
BMO Smart Money Checking ($350 cash bonus) | BMO Smart Advantage Checking ($350 cash bonus) |
Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
First Tech Rewards Checking ($300 bonus) |
How to Earn Bonus
- Earn $300 when you join Provident and open a new Checking Account!
- To earn the $300 New Account Bonus, simply do these four things to receive the account bonus within 120 days of account opening:
- Deposit a minimum of $25 within 60 days from account opening
- Make purchases of $400 or more using a Provident debit and/or credit card for two consecutive months, starting the month following your checking account opening
- Have direct deposits or automatic credits of at least $500 for two consecutive months, starting the month following your checking account opening
- Enroll in online banking and e-Documents with valid e-mail address
- Use promo code 3030
- This offer is only valid for NEW Provident Checking Accounts and NEW Provident Credit Union members, 18 or older, who reside in one of the following counties in California: Alameda, Contra Costa, El Dorado, Placer, Sacramento, San Mateo, Santa Clara, and San Francisco.
- Offer limited to one per individual and one per household and address.
- To be eligible, you must open one of the following checking accounts: Super Reward Checking, Provident Checking or Simply Free Checking; all other checking accounts are not eligible for the bonus.
- New Account Bonus offer may expire anytime. This offer cannot be combined with any other offers.
- The minimum balance for the Membership Savings account is $5.00.
- You must fund your Checking account within the first 60 days of account opening with a minimum deposit of $25.
- If you fail to fund your Checking account within the first 60 days you are no longer eligible for the New Account Bonus and your account(s) will be closed.
- In order to qualify for your New Account Bonus your account must be active and in good standing for two consecutive months following the month that your account is opened.
- All qualifying purchases and transactions referred to as “per month” or “monthly” only count towards the requirement of the month in which they POST, which will be on a business day (Monday – Friday) and may take one or more business days from the purchase/transaction date.
- Your account is deemed active by: (1) making purchases of $400 or more using a debit and/or credit card per month, AND (2) performing monthly direct deposits or automatic credits of at least $500 into your checking account, AND (3) enrolling in Provident’s online banking service and e-Documents with valid e-mail address. If your account remains inactive after 90 days from account opening you are no longer eligible for the New Account Bonus.
- Your account is in good standing if you: (1) demonstrate responsible account management—such as making regular deposits to bring your account to a positive end of day balance at least once every 30 days (including the payment of all credit union fees and charges); (2) avoid excessive overdrafts suggesting the use of Courtesy Pay Overdraft as a continuing line of credit; (3) there are no legal orders, levies or liens against your account.
- New Account Bonus: We generally pay the New Account Bonus by crediting your Provident Credit Union Checking account.
- If Provident funded your savings account at account opening, you will receive the difference between your initial $5.00 Savings account bonus and the stated bonus within 120 days of account opening.
- We may report the value of the New Account Bonus to the IRS and any applicable taxes are the responsibility of the member.
Provident Credit Union $300 Business Checking Bonus

Earn a $300 bonus when you open a new business checking account.
When you open a new business checking account, you can receive a $300 bonus from Provident Credit Union.
- What you’ll get: $300 bonus
- Account Type: Business Checking
- Availability: CA
- Direct Deposit Requirement: No (see what works)
- Credit Inquiry: Hard pull for membership (report of soft pull in branch)
- ChexSystem: Yes, sensitive
- Credit Card Funding: Up to $1,000
- Monthly Fees: None
- Early Account Termination Fee: None
- Household Limit: One
(Limited time offer)
Chase Business Checking ($300 or $500 Bonus) | Bank of America Business Checking ($200 bonus offer) |
U.S. Bank Business Checking ( $500 or $900 Bonus) | Axos Bank Basic Business Checking ($400 Bonus) |
Axos Bank Business Interest Checking ($400 Bonus) | Huntington Unlimited Plus Business Checking ($1,000 Bonus) |
Huntington Unlimited Business Checking ($400 Bonus) | Bluevine Business Checking ($300 Bonus) |
Axos Business Premium Savings ($375 Bonus) |
How to Earn Bonus
- Open a Dividend Business Checking account and enter promo code 9982
- Do these three things for two months, starting the month following your account opening
- At least $2,500 in total deposits to a Dividend Business Checking Account within the first 60 days of account opening
- Make purchases of $300 or more using a Provident Business debit and/or credit card
- Enroll in online banking and e-Document with a valid email address
- Business Savings account required to open a Dividend Business Checking account.
- No dividends are paid on balances below the balance minimum specified for the lowest balance tier.
- In order to qualify for your New Business Account Bonus your account must be active and in good standing for two consecutive months following the month that your Dividend Business Checking account is opened.
- We may report the value of the New Business Account Bonus to the IRS and any applicable taxes are the responsibility of the member.
Provident Credit Union $50/$150 Referral Bonus

Earn up to a $500 bonus with a new Checking Account.
Earn up to $500 bonus yearly from Provident Credit Union when you refer your friends to open a new checking account! Earn $50 bonus for personal checking and earn $150 bonus for business accounts!
- What you’ll get: $50 bonus
- Account Type: Personal checking, business checking
- Availability: CA
- Direct Deposit Requirement: Yes, $500+ (see what works)
- Credit Inquiry: Hard pull for membership (report of soft pull in branch)
- ChexSystem: Yes, sensitive
- Credit Card Funding: Up to $1,000
- Monthly Fees: None, but there is a $10 joining fee (waived online)
- Early Account Termination Fee: None
- Household Limit: One
(Limited time offer)
BMO Smart Money Checking ($350 cash bonus) | KeyBank Checking ($300 bonus) |
Chase Private Client ($3,000 Bonus) |
How to Earn Bonus
- $50 For You, $50 For Them – Provident Credit Union Personal Checking Account
- Has one (1) or more debit card or credit card purchases totaling at least $300, AND
- Has one (1) or more direct deposits or automatic credits totaling at least $500, AND
- The account must be open and in good standing for a minimum of 60 days.
- $50 For You, $150 For Them – Provident Credit Union Business Checking Account
- Has one (1) or more debit card or credit card purchases totaling at least $300, AND
- Has one (1) or more direct deposits or automatic credits totaling at least $500, AND
- The account must be open and in good standing for a minimum of 60 days.
- You must be a new Provident Credit Union member, 18 or older and reside in California
- You are not eligible if you are a current owner or signer on a Provident Credit Union personal or business account or if you have been an owner or signer on a Provident Credit Union personal or business account within the last two years
- One New Account Bonus per household/business
Provident CU $50/$150 Personal/Business Checking Bonus & Up To $250 In Yearly Referrals
Earn up to $250 bonus yearly from Provident Credit Union when you refer your friends to open a new checking account! Your referrals will earn a $100 bonus for personal checking and earn $150 bonus for business accounts! Must register for an account before making referrals.
- What you’ll get: $50 bonus
- Account Type: Personal checking, business checking
- Availability: CA
- Direct Deposit Requirement: Yes, $500+ (see what works)
- Credit Inquiry: Hard pull for membership (report of soft pull in branch)
- ChexSystem: Yes, sensitive
- Credit Card Funding: Up to $1,000
- Monthly Fees: None, but there is a $10 joining fee (waived online)
- Early Account Termination Fee: None
- Household Limit: One
(Limited time offer)
BMO Smart Money Checking ($350 cash bonus) | BMO Smart Advantage Checking ($350 cash bonus) |
Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
First Tech Rewards Checking ($300 bonus) |
How to Earn Bonus
- $50 For You, $50 For Them – Provident Credit Union Personal Checking Account. Get a $50 Visa Reward Card when your friend opens a new Provident Credit Union personal checking account and completes the following:
- Has one (1) or more debit card or credit card purchases totaling at least $300, AND
- Has one (1) or more direct deposits or automatic credits totaling at least $500, AND
- The account must be open and in good standing for a minimum of 60 days.
- $50 For You, $150 For Them – Provident Credit Union Business Checking Account. Get a $50 Visa Reward Card when your friend opens a new Provident Credit Union business checking account and completes the following:
- Has one (1) or more debit card or credit card purchases totaling at least $400, AND
- Has one (1) or more direct deposits or automatic credits totaling at least $500, AND
- The account must be open and in good standing for a minimum of 60 days.
- You must be a new Provident Credit Union member, 18 or older and reside in California
- You are not eligible if you are a current owner or signer on a Provident Credit Union personal or business account or if you have been an owner or signer on a Provident Credit Union personal or business account within the last two years
- One New Account Bonus per household/business
- Must register for an account before making referrals.
How To Waive Monthly Fees
- Super Reward Checking: None
- Provident Checking: None
- Simply Free Checking: None
- Dividend Business Checking: None
- Youth Checking: None
- Provident Savings: None listed
- Money Market Account: None listed
- Money Market Account: None listed
- Business Savings: None listed
- Accumulator Savings: None
- Youth Savings: None Listed
- Round Up Savings: None
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Bottom Line
Provident Credit Union has a number of options for new sign-up promotions when available. Additionally, some bonuses will take a long time since you’ll be earning the bonus over time, so you need to consistent in your transactions. Unfortunately these offers trigger a hard pull so I would definitely consider that before joining the credit union.
Provident Credit Union provides great options for Checking, Savings, Money Market and CD Account, however you may want to compare with the nation’s best Savings rates and CD rates.
Compare Provident Credit Union Promotions with other bank bonuses from banks like Citi, Huntington, HSBC, Chase, TD, Discover Bank, Aspiration, Axos Bank, PNC Bank, BMO, SoFi, Fifth Third Bank, Bank of America, Wells Fargo, US Bank, and more!
*Check back at this page for updated Provident Credit Union promotions, bonuses and offers.
Both.
Do they do hard pull when opening a checking account or when you are new and applying for the membership? Please clarify.
No hard pull when I applied. However, got denied due to Chex.