Personal Banking Services

At Provident Bank, personal banking should be just that—personal. For over 65 years, we’ve helped Californians reach their financial goals with simple, secure, and locally focused solutions. Whether opening your first bank account, saving for the future, or applying for a mortgage, our personal banking services are designed to support you every step.

Explore our full range of personal financial products and services—from checking and savings accounts to home loans, IRA retirement accounts, and digital banking features you can access anytime, anywhere.

Finding the right personal bank account is the first step to managing your money confidently. Provident Bank offers both personal checking and savings accounts with flexible features, competitive rates, and modern tools.

Our personal checking accounts are designed to make everyday banking easy. Choose from various options that fit your needs, whether you're looking for a simple, low-fee account or an interest-earning option. All checking accounts come with access to:

• MyProvident^® Online Banking and Mobile Banking
• 55,000+ Allpoint^® ATMs
• Bill pay and eStatements
• Optional overdraft protection

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Whether you’re saving for a rainy day, a future purchase, or your child’s education, our personal savings accounts help your money grow safely. We offer several savings options, including:

• Basic savings with low minimums
• Savings Plus and Money Market options for higher balances
• Young Investor accounts to build smart habits early

You can even link your savings to your checking account for overdraft protection, helping you manage your finances responsibly.

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Dreaming of a place to call your own? Provident Bank offers a variety of home loans for buyers across Riverside, San Bernardino, and surrounding counties. Whether you're a first-time buyer or looking to refinance, our loan officers are here to guide you with local insight and competitive home loan interest rates.

Our mortgage options include:

• Fixed-rate mortgages (15-year and 30-year terms)
• Adjustable-rate mortgages (5/6, 7/6, 10/6 ARMs)
• Refinancing programs
• Short and full online applications

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Start planning today for a more secure tomorrow. Provident Bank offers several options for retirement savings, including:

• Tradition IRA retirement accounts
• ROTH IRA retirement accounts
• SEP or SIMPLE IRA plans for small business owners and employees

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Your bank should go wherever you do. With Provident Bank’s mobile banking services, you can:

• Check Balances
• Transfer funds between accounts
• Deposit checks
• Pay bills
• Monitor account activity

Available through the MyProvident Mobile^® app, our digital tools are a secure and convenient extension of your everyday personal banking services.

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Provident Bank also has additional convenience and electronic services available.

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Since 1956, Provident Bank has been a trusted partner in helping Californians manage their finances. As a community-focused bank, we offer:

• A strong legacy of customer-first service
• Personalized solutions tailored to your life
• FDIC-insured accounts for peace of mind
• Local decision-making with a human touch

We're not just here to hold your money—we're here to help it grow, protect it, and make it work for you.

About Us

With convenient locations across the Inland Empire, we're always nearby when you need us.

Find a Branch or ATM

You can also connect with us online or by phone to learn more about our personal banking products and services.

Reach out to Provident Bank