Provident Credit Union Promotions: $50, $150, $475 Checking, Business, Referral Offers [CA]

Find the latest listing of Provident Credit Union promotions, bonuses, and offers here.

Update 7/3/25: The prior $300 business checking bonus has increased to $475 available for a limited time. The prior $300 checking bonus has been increased to $475 valid through 8/31/25.

Provident Credit Union Promotions Review

You can visit any of the Provident Credit Union branches which are available in California. Be sure to visit a branch today to join.

I’ll go over Provident Credit Union offers below.

Provident Credit Union $475 Checking Bonus

• What you’ll get: $475 bonus
• Availability: CA (Bank Locator)
• Direct Deposit Requirement: Yes, $500+ for two consecutive months
• Credit Inquiry: Hard Pull for membership (report of soft pull in branch)
• Monthly Fees: None, but there is a $10 joining fee (waived online)
• Early termination fee: None
• How to earn it:
  • Open a qualifying free checking account.
  • Deposit a minimum of $25 within the first 60 days of account opening.
  • Make purchases of $400 or more using a Provident debit and/or credit card.
  • Have monthly direct deposits or automatic credits of at least $500.
  • Enroll in online banking and eDocuments with a valid email address.
  • Use promo code WELCOME475 when applying.

(Expires 08/31/2025)

Editor’s Note: There is an alternative link that you can use to access this deal. Click here.

Fine Print

• 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, Simply Free Checking, or a Digital Edge Account; 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: The New Account Bonus will typically be credited to your Provident Credit Union Checking account within 120 days of account opening.
• If Provident funded your savings account at the time of opening, you will receive the difference between the initial $5.00 savings account bonus and the stated bonus within this 120 day period.
• Please note, 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 $50/$150 Referral Bonus

• What you’ll get: $50/$150 bonus
• Where it’s available: CA
• How to earn it:
  • $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.
    • The more friends you refer, the more you can earn – up to $500 per year.
  • $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.
• When it expires: None

(Limited time offer)

Provident Credit Union $475 Business Checking Bonus

• What you’ll get: $475 bonus
• Where it’s available: CA
• How to earn it:
  • Open a Dividend Business Checking account and enter promo code SEED475
  • Make at least $2,500 in total deposits to your Dividend Business Checking account within the first 60 days of account opening.
  • Make purchases of $400 or more using a Provident Business debit and/or credit card155 for two consecutive months starting the month following your account opening.
  • Enroll in online banking and eDocuments with a valid email address.

(Limited time offer)

How To Avoid 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

Author’s Verdict

To summarize, Provident Credit Union has some of the best promotions, bonuses, and offers in California. With all their products and services at your disposal, you can be sure to maximize on all your savings.

Additionally, you can find a full list of the best bank promotions here. Finally, remember to bookmark this page because you will always find an updated list of Provident Credit Union promotions here.

Be sure to check more popular bank promotions include Chase Bank, Bank of America, Citi, Discover Bank, CIT Bank, TD Bank, Huntington Bank, HSBC Bank, Wells Fargo and many more.