Commercial Checking Accounts

For businesses with moderate to high volume activity, Account Analysis Checking provides these competitive advantages:

• Providence Business Debit/ATM Visa^® Card
• Optional Online Banking, Mobile Banking¹ and other Cash Management Services
• Autobooks – greater capabilities for three essential financial services: invoicing, payment/donation acceptance and cash flow management and reporting.⁴
• Easy-to-read electronic monthly statements with check images in check number order to facilitate account balancing
• Monthly earnings credits may reduce or eliminate maintenance and activity charges
• Optional sweep feature (maximize earning on idle cash balances, while maintaining the liquidity your business demands)

Important Disclaimer Information:

All trademarks and registered marks are the properties of their respective owners.

¹ Downloadable App for Apple and Android users and text message banking are available. Providence Bank & Trust does not charge fees for using the basic consumer and/or business mobile banking service. Mobile deposit, a feature within mobile banking, is available to consumers with no fee and is available to businesses with no fee for deposits up to $20,000 per business day. However, if a businesses’ mobile deposits exceed $20,000 per business day, a $25 fee per month will apply. In addition, your wireless carrier may charge you a fee for SMS (text) messaging and/or data usage, whichever is required for mobile banking. Other fees or restrictions may apply. 

⁴ There is a fee for credit/debit card transactions and Bank transfer/ACH payments. There are no equipment costs or per-item charges.

For businesses with smaller balances and low volume activity, Small Business Checking provides these competitive advantages:

• Providence Business Debit/ATM Visa^® Card
• Optional Online Banking, Mobile Banking¹ and other Cash Management Services
• Autobooks – greater capabilities for three essential financial services: invoicing, payment/donation acceptance and cash flow management and reporting.⁴
• NO activity charges for fewer than 100 transactions per month including checks paid, deposits, checks deposited, ACH transactions and others²
• Easy-to-read electronic monthly statements with check images in check number order

Associated Fees:

• Account Maintenance Fee: $10.00 monthly
• Account Maintenance Fee waived if:  Maintain a minimum daily balance of $2,500 or $5,000 average daily balance for the statement cycle.
• Account Activity Fees may apply.²

Important Disclaimer Information:

All trademarks and registered marks are the properties of their respective owners.

¹ Downloadable App for Apple and Android users and text message banking are available. Providence Bank & Trust does not charge fees for using the basic consumer and/or business mobile banking service. Mobile deposit, a feature within mobile banking, is available to consumers with no fee and is available to businesses with no fee for deposits up to $20,000 per business day. However, if a businesses’ mobile deposits exceed $20,000 per business day, a $25 fee per month will apply. In addition, your wireless carrier may charge you a fee for SMS (text) messaging and/or data usage, whichever is required for mobile banking. Other fees or restrictions may apply. 

² A $.50 fee applies for each transaction exceeding 100 regardless of the balance maintained.

⁴ There is a fee for credit/debit card transactions and Bank transfer/ACH payments. There are no equipment costs or per-item charges.

For businesses with moderate activity, Mid-Size Business Checking provides these competitive advantages:

• Providence Business Debit/ATM Visa^® Card
• Optional Online Banking, Mobile Banking¹ and other Cash Management Services
• Autobooks – greater capabilities for three essential financial services: invoicing, payment/donation acceptance and cash flow management and reporting.⁴
• NO activity charges for fewer than 300 transactions per month including checks paid, deposits, checks deposited, ACH transactions and others²
• Easy-to-read electronic monthly statements with check images in check number order to facilitate account balancing

Associated Fees:

• Account Maintenance Fee: $15.00 monthly
• Account Maintenance Fee waived if: Maintain a minimum daily balance of $10,000 or $25,000 average daily balance for the statement cycle.
• Account Activity Fees may apply.²

Important Disclaimer Information:

All trademarks and registered marks are the properties of their respective owners.

¹ Downloadable App for Apple and Android users and text message banking are available. Providence Bank & Trust does not charge fees for using the basic consumer and/or business mobile banking service. Mobile deposit, a feature within mobile banking, is available to consumers with no fee and is available to businesses with no fee for deposits up to $20,000 per business day. However, if a businesses’ mobile deposits exceed $20,000 per business day, a $25 fee per month will apply. In addition, your wireless carrier may charge you a fee for SMS (text) messaging and/or data usage, whichever is required for mobile banking. Other fees or restrictions may apply. 

² A $.50 fee applies for each transaction exceeding 300 regardless of the balance maintained.

⁴ There is a fee for credit/debit card transactions and Bank transfer/ACH payments. There are no equipment costs or per-item charges.

For nonprofit and civic organizations, Community Checking¹ provides these advantages:

• Providence Business Debit/ATM Visa^® Card
• Optional Online Banking, Mobile Banking² and other Cash Management Services
• Autobooks – greater capabilities for three essential financial services: invoicing, payment/donation acceptance and cash flow management and reporting.⁴
• NO activity charges for fewer than 150 transactions per month including checks paid, deposits, checks deposited, ACH transactions and others³
• Easy-to-read electronic monthly statements with check images in check number order to facilitate account balancing

Associated Fees:

• Account Maintenance Fee: $10.00 monthly
• Account Maintenance Fee waived if: Maintain a minimum balance of $500 or $2,500 average daily balance for the statement cycle.
• Account Activity Fees may apply.³

Important Disclaimer Information:

All trademarks and registered marks are the properties of their respective owners.

¹ Providence Community products are available to non-profit and civic organizations.  Providence Bank & Trust also reserves the right to limit the availability of Community Checking and Community Impact Checking to accounts with reasonable activity levels.

² Downloadable App for Apple and Android users and text message banking are available. Providence Bank & Trust does not charge fees for using the basic consumer and/or business mobile banking service. Mobile deposit, a feature within mobile banking, is available to consumers with no fee and is available to businesses with no fee for deposits up to $20,000 per business day. However, if a businesses’ mobile deposits exceed $20,000 per business day, a $25 fee per month will apply. In addition, your wireless carrier may charge you a fee for SMS (text) messaging and/or data usage, whichever is required for mobile banking. Other fees or restrictions may apply. 

³ A $.50 fee applies for each transaction exceeding 150 regardless of the balance maintained.

⁴ There is a fee for credit/debit card transactions and Bank transfer/ACH payments. There are no equipment costs or per-item charges.

For non-profit and civic organizations that want to earn interest, Community Impact Checking¹ provides these advantages:

• Providence Business Debit/ATM Visa® Card
• Optional Online Banking, Mobile Banking² and other Cash Management Services
• Autobooks – greater capabilities for three essential financial services: invoicing, payment/donation acceptance and cash flow management and reporting.⁴
• Earns Interest
• NO activity charges for fewer than 750 transactions per month including checks paid, deposits, checks deposited, ACH transactions and others³
• Easy-to-read electronic monthly statements with check images in check number order to facilitate account balancing

Associated Fees:

• Account Maintenance Fee: $25.00 monthly
• Account Maintenance Fee waived if: Maintain a minimum daily balance of $15,000 or $25,000 average daily balance per statement cycle.
• Account Activity Fees may apply.³

Important Disclaimer Information:

All trademarks and registered marks are the properties of their respective owners.

¹ Providence Community products are available to non-profit and civic organizations.  Providence Bank & Trust also reserves the right to limit the availability of Community Checking and Community Impact Checking to accounts with reasonable activity levels.

² Downloadable App for Apple and Android users and text message banking are available. Providence Bank & Trust does not charge fees for using the basic consumer and/or business mobile banking service. Mobile deposit, a feature within mobile banking, is available to consumers with no fee and is available to businesses with no fee for deposits up to $20,000 per business day. However, if a businesses’ mobile deposits exceed $20,000 per business day, a $25 fee per month will apply. In addition, your wireless carrier may charge you a fee for SMS (text) messaging and/or data usage, whichever is required for mobile banking. Other fees and restrictions may apply. 

³ $0.50 for each item exceeding 750 items regardless of balance maintained.

⁴ There is a fee for credit/debit card transactions and Bank transfer/ACH payments. There are no equipment costs or per-item charges.