Provident Credit Union Bonuses: $50, $150, $475 Checking, Business, Referral Promotions (CA)

Find the latest Provident Credit Union bonuses, promotions, 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 Bonuses Review

With Provident Credit Union, they’re the 91st largest credit union in the U.S, Provident Credit Union was established in 1950 to serve the California Teachers Association. Plus, Provident Credit Union is committed to the safety of their members’ deposits. With over 2.1 billion dollars in assets, Provident has earned a reputation for absolute safety and soundness.

I’ll go over the Provident Credit Union Bonuses below.

Provident Credit Union $475 Checking Bonus

• What you’ll get: $475 Bonus
• Eligible account: Checking Account
• Where it’s available: CA (Bank Locator)
• Credit Inquiry: Hard Pull
• Direct Deposit Required: Yes
• Monthly Fee: $0
• 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 Bonuses

Now, you can receive up  a $500 bonus when you refer friends or family member to open a new checking account and complete the requirements.

• What you’ll get: $50 For You, $150 For Them
• Eligible account: Checking Account
• Where it’s available: CA
• Direct Deposit Required: Yes
• Monthly Fee: $0
• How to earn it:
  • $50 For You, $50 For Them – Provident Credit Union Personal Checking Account
    • Get a $50 Visa Reward Card when your friend opens a new Provident Credit Union personal checking account and completes the following:
    • 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.
    • Your friend can earn a $50 Visa Reward Card!
  • Get a $50 Visa Reward Card when your friend opens a new Provident Credit Union business checking account and completes the following:
    • 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.

(Limited time offer)

Fine Print

• Please allow 4-6 weeks after completion of all requirements for delivery of your Visa Reward Card to the physical address provided when opening your new account.
• Reward Card may be reported as income to the IRS.
• The Referred Person may also be eligible as a Referrer.

Provident Credit Union $475 Business Checking Bonus

Open a checking account and meet the requirements and you can receive a $475 bonus.

• What you’ll get: $475 Bonus
• Eligible account: Business Checking Account
• Where it’s available: CA
• Direct Deposit Required: No
• Monthly Fee: $0
• 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)

Fine Print

• The minimum deposit to open a Dividend Business Checking account is $100.00. Business Savings account required to open a Dividend Business Checking account. No dividends are paid on balances below the balance minimum specified for the lowest balance tier. See rate sheet. See service charge schedule for a complete list of fees. You must be a new business member, 18 or older and reside in California. You are not eligible if you are a current owner on a Provident Credit Union business account or if you have been an owner on a Provident Credit Union business account within the last six months. One New Business Account Bonus per business. To be eligible, you must open a Dividend Business Checking Account. All other checking accounts are not eligible for the bonus. New Business Account Bonus offer may expire anytime.
  The minimum balance for the Business Membership Savings account is $5.00. You must fund your Business Checking account within the first 60 days of account opening with a minimum deposit of $100. If you fail to fund your Checking account within the first 60 days you are no longer eligible for the New Business Account Bonus and your account(s) will be closed.
• In order to qualify for your New Business Account Bonus your account must be active and in good standing for two consecutive months following the month that your Dividend Business Checking 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 eligible by: (1) making purchases of $400 or more using a debit and or credit card per month, AND (2) making $2,500 in total deposits to your Dividend Business Checking Account within 60 days of account opening, AND (3) enrolling in Provident’s online banking service and e-Documents with valid email address. If your account remains inactive after 90 days from account opening you are no longer eligible for the New Business 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; (3) there are no legal orders, levies or liens against your account.
• New Business Account Bonus: We generally pay the New Business Account Bonus by crediting your Provident Credit Union Dividend Business Checking account within 120 days of account opening. If Provident funded your savings account at account opening, you will receive the difference between your initial $5.00 Savings account bonus and the stated bonus within this 120 day period. We may report the value of the New Business Account Bonus to the IRS and any applicable taxes are the responsibility of the member.

How To Waive 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

Conclusion

Overall, there are multiple promotions going on from this Credit Union at the moment. If you would like to become a member, I would recommend the Checking and Savings promotion to get you started. Furthermore, you can start referring people to join for that added referral bonus!

Currently, I would check out a list of our Savings, Money Market, and CD Rates to find other generous promotions you can utilize.

• Best Savings/Money Market rates
• Best CD Account rates

Additionally, if you are not eligible for these promotions, use our bank bonuses page to find other offers. Furthermore, some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.

Finally, feel free to comment on this post with any questions you may have about Provident Credit Union, their accounts they offer, or coupon codes.

Lastly, check back often for more Provident Credit Union Bonuses, Promotions, or Offers!