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Person presenting Providence Bank & Trust debit card for payment

NEIGHBORHOOD CONNECT BANKING

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FDIC How to Pick a Bank Account Checklist

For people new to the banking system, finding the right bank account can be a challenge. Banks offer accounts with different features, costs, and requirements. This checklist can help you make the best decision.

Mobile Pay

Use your mobile phone for safe, touchless payment of purchases with Mobile Pay.

Mobile Check Deposit

Have a check you need to deposit and don’t have time to get to the bank? Use mobile check deposit in mobile banking1 to take a picture and deposit checks. It’s simple and secure.

Debit Cards

Providence Bank & Trust personal and commercial debit cards offer a range of convenient and secure features for a seamless banking experience.

Mobile Banking Security Tips

Follow these tips to keep yourself secure when using your phone for mobile banking2.

p2p Payments

Need to pay someone and don’t have cash handy. Try Person to Person Payment (p2p) and complete that payment and many others in just a few safe clicks.

Allpoint ATM Locator2

Find one of the 55,000 surcharge – free Allpoint ATMs near you.

Take Control. Rebuild. Manage.

Neighborhood Connect Banking is for customers who may not currently have a banking relationship, wish to rebuild their financial strength or need to begin building healthy financial habits. With our Neighborhood Connect account you’ll have access to essential financial tools and easy to maintain limits that help you manage your money with confidence.

5 Reasons to Open a Neighborhood Connect Banking Account

  1. Debit Card Convenience – it’s safe (no need to carry cash), it’s secure (uses encryption technology), it’s readily accepted and it helps you control spending
  2. No minimum balance required (after account is opened)
  3. Ease of paying your bills and monitoring your money – with digital banking capabilities
  4. Specialized Relationship Bankers to assist you in getting the most out of your account
  5. Helps improve financial health by making savings simple – set up auto transfer from your Neighborhood Connect account to a Providence Savings account

Neighborhood Connect Banking includes these account advantages:

  • Providence Debit/ATM Visa® Card
  • No Overdraft or Dormant Fees
  • Mobile & Text Message Banking with Mobile Deposit & Mobile Bill Pay 1
  • Online Banking with Bill Pay
  • Telephone Banking
  • Mobile Pay
  • Person to Person Payments
  • Access to over 55,000 ATMS through the Allpoint Network2 Allpoint icon
  • Access to All Branches
  • eStatements (secure statements electronically)

 

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Neighborhood Connect BankOn National Account Standards Certified 2023 - 2024 logo

Our Neighborhood Connect Banking account is certified by BankOn. BankOn’s goal is to ensure that everyone has access to a safe and affordable bank or credit union account.

Learn More about the BankOn Program

Northern Indiana Bank On Alliance

BankOn Illinois

BankOn Chicago

 

Account Terms/Requirements

Minimum balance upon opening: Account requires a $25.00 opening deposit. There is no minimum requirement after the account is open.

Avoid imposition of fee: A service fee of $7.95 will be imposed each statement cycle unless there are one (1) or more signature (non-PIN) point of sale (POS) Debit Card transactions that post or at least one (1) ACH credit (direct deposit) that posts per statement cycle.

Transactions: This is a”checkless” account. Withdrawals can be made using a Debit Card for transactions and cash access through ATMs. ATM daily withdrawal limit is $300.00. Point of sale (POS) daily transaction limit is $500.00

Additional Terms: Mailed paper statements are available for a $2.00 monthly fee. Electronic statements are free. ATM withdrawals not made at a Providence Bank & Trust ATM or an ATM in the Allpoint Network are subject to a $2.00 foreign ATM fee.

Important Disclaimer Information:

Personal accounts limited to individuals only. Interest rates are subject to change at any time on all interest earning accounts. Account fees may reduce earnings. Other fees, activity charges and restrictions may apply to all accounts.

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 Providence Bank & Trust does not charge an ATM service fee for transactions conducted at any Allpoint ATM or Providence Bank & Trust ATM. Any cash withdrawal, balance inquiry or transfer transaction conducted at a non-proprietary ATM (non-Allpoint or non-Providence Bank & Trust ATM) will be charged $2.00 per transaction. Within the Allpoint network, Allpoint+ deposit-enabled ATMs accept cash only deposits up to $1,000 per transaction. To confirm an ATM is part of the Allpoint network, and thus is surcharge-free, visit allpointnetwork.com. Filter options within the Allpoint ATM map locator allow identification of Allpoint+ cash deposit-enabled ATMs.