How do I add a beneficiary? | How soon after I open an account will I receive my debit card and/or checks? | How do I make deposits? | Will you send me statements? | Can I set up Auto-Save? | Where can I mail deposits to my account? | How can I close my account? What if I live outside of Maryland or Virginia or DC? | Can I pay bills from my savings account? | What is the minimum balance required for this account? | What fees are associated with this account? | I thought I was enrolled in online banking automatically? | How do I know if I’m enrolled if I did not receive an email or confirmation? | I did not write down my account number after I opened my account online. Where can I get it? | Can I get checks for my online savings account? |How long will it take me to see the small-dollar verification amounts in the account I am using to fund my Provident account? | How do I activate my ATM card? | How do I set up direct deposit for my account? (Sign up now!) | What is direct deposit? | How does my joint account holder view our Provident Bank account online? | How often will I receive a statement?| Do I have to close my accounts at other banks? |

1. How do I add a beneficiary?
Beneficiaries can be added after the account is open by calling 1-888-TOP-BANK, option 3.

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2. How soon after I open an account will I receive my debit card and/or checks?
You should receive your debit card and checks within seven to ten business days of opening your account.

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3. How do I make deposits?
Depositing funds is made most simple and convenient by making a transfer within online banking. Transfers generally take one to three business days to process, depending on the time the transfer instruction was created and whether the transfer is between two Provident accounts or a Provident and a non-Provident account. Please note that there are certain limitations to the number of transfers and withdrawals that can be made from savings and money market accounts. Refer to Provident's Consumer Deposit Account Agreement for complete details.

In order to set up regularly scheduled deposits, first decide on your automated deposit preference. You can:

• Set up a direct deposit with your employer;
  
• Set up automated transfers between accounts using Premium Internet Banking. To request the ability to make transfers between Provident accounts, complete our Transfer Capability Setup form. If you funded a savings or money market account you opened online at Provident using funds from another account (either at Provident or another institution), then you will be able to transfer funds between your original funding account and your new Provident account on an ongoing basis within a week after your account has been opened.

You may also make deposits at any Provident ATM or branch or by mail.

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4. Will you send me statements?
Yes. You can also opt to receive online statements by clicking on the Customize your accounts link in the Customer Service area of Premium Internet Banking.  If you prefer to receive statements in the mail, you will receive a monthly statement showing your account activity, including your electronic funds transfers. Your statement may be sent on a quarterly basis if there has been no activity other than interest postings for that time period. CD statements are sent on a semi-annual basis.

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5. Can I set up Auto-Save?
Yes. If you are an existing customer and want to set up an Auto-Save relationship between your new account and your existing account(s), just complete and mail our Auto Save form. From provbank.com, the form is accessible by going to Personal Banking, then Savings and Deposits. Click on Automatic Savings Plans, and then click on the link in “Start today by completing this form”.

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6. Where can I mail deposits to my account?
Mail your deposits to Provident Bank, Mail Code 229, PO Box 1661, Baltimore, MD 21298-9873.

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7. How can I close my account? What if I live outside of Maryland or Virginia or DC?
You can close your account by going to any Provident branch or by sending your request in writing to Provident Bank, Mail Code 229, PO Box 1661, Baltimore, MD 21298-9873. Please include your name and account number.

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8. Can I pay bills from my savings account?
No. In order to use the Make Payments area of online banking, you need to have a checking account from which to draw the funds. If you are interested in using the bill payment feature of online banking, please consider opening a Provident Bank checking account.

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9. What is the minimum balance required for this account?
Minimum balance requirements vary by account type. Please look at our rates for more detail. NOTE: Online savings accounts do not have a minimum balance requirement to avoid a monthly service charge.

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10. What fees are associated with this account?
Fees also vary from account to account. Please see our account documents including the Consumer Fee Schedule for more detail.

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11. I thought I was enrolled in online banking automatically? How do I know if I’m enrolled if I did not receive an email or confirmation?
You must enroll yourself in Premium Internet Banking to do your online banking. At the end of your account opening session, if you clicked Continue on the confirmation page telling you that your account was opened, you were automatically taken into the online banking enrollment pages, where you set up your sign-on information for accessing online banking.

Online banking is the way to access your accounts online. If you did not complete online banking enrollment after opening your account, you can enroll in this service for the most convenient way of looking at your accounts at anytime.

If you have not enrolled in online banking, then, from www.provident-direct.com, click on "Sign into your account," then “Sign up now!" (Or click here to go directly into online banking enrollment.) Customers must enroll themselves in online banking.

If you do not recall enrolling after completing your account opening, or do not recall your sign-on, and during your attempt to enroll/re-enroll you are presented with a message telling you that you are already signed up, please call 1-888-217-1264 for assistance. We’ll be able to help you with your sign-on.

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12. I did not write down my account number after I opened my account online. Where can I get it?
If you are using online banking, you can access your new account number after signing on by clicking on the Customer Service tab, then “Customize your accounts.” Or call us at 1-888-TOP-BANK, option 3.

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13. Can I get checks for my online savings account?
Checks are not available for online savings accounts, but you can access your account using your Provident debit card, online banking, or any Provident Branch or ATM.

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14. How long will it take me to see the small-dollar verification amounts in the account I am using to fund my Provident account?
After choosing to fund your account using an electronic transfer from an external non-Provident account and providing the information on the other account, we’ll send you a confirmation e-mail. After that, it usually takes two business days for the verification amounts to show up in your external non-Provident account, although sometimes it can take up to three business days. Remember, two “trial deposits” of less than a dollar are made to the your external non-Provident account (as well as two withdrawals to offset the deposits). Most customers get these amounts by calling their other institution or signing onto online banking at the other institution.

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15. How do I activate my ATM card?
The card can be activated by conducting a transaction at any ATM.

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16. How do I set up direct deposit for my account? (Sign up now!)

1. Determine the amount you want directly deposited to your account each pay period. This amount will be automatically withdrawn from every paycheck and deposited into your account.
   
2. Talk to your employer about enrolling in direct deposit or splitting your existing direct deposit across accounts.

Interested in direct deposit for your Social Security check? Click here to learn about Go Direct.

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17. What is direct deposit?
With this feature, your employer or the government can automatically deposit all or a portion of your paycheck to your account.

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18. How does my joint account holder view our Provident Bank account online?
Each account holder should enroll for Premium Internet Banking individually. Signing up for this free service only takes a few minutes.

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19. How often will I receive a statement?

For more information about online accounts at Provident Bank or further assistance, please call 1-888-TOP-BANK, then press 3 or check out Provident's Personal Banking Web pages.

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