• Review your savings, checking, loan, and credit card balances and account histories
• Filter your account history in various ways, to see just the transactions you care about
• Deposit checks with e-Deposit by using your mobile phone or scanner
• Pay bills automatically online with Bill Manager
• Manage your accounts, including those at other financial institutions, in one place to help you meet your budgeting and saving goals with FinanceWorks
• Transfer funds to and from other financial institutions (external accounts)
• Make transfers between accounts, including your Visa and loans
• Make transfers with other provident members. To set up, use the Cross Account Transfer Consent Form
• Withdraw funds via a check mailed to your home
• Reorder checks, stop payments on existing checks
• Securely mail messages to and from Provident
• Receive e-mailed alerts about your account
• Check your year-to-date earned dividends for all savings and checking accounts
• Change your password for Account Manager
• Change your contact information online (phone, address, and e-mail)
• Zero Liability Fraud Protection Guarantee

The following videos are provided to help you learn how to enroll in an use Account Manager (online banking):

	Enrolling in Online Banking This video demo will show you step-by-step how to enroll in, and sign onto, Provident's online banking system. (running time: 04:13)
	Online Banking Tour, Part 1 This first of two parts demonstrates the core pages of online banking that people tend to use the most. (running time: 03:46)
	Online Banking Tour, Part 2 This second part explores additional pages of Account Manager that were not covered in the first part. (running time: 02:51)

Click on the headings below for more about online banking with Provident Credit Union.

Provident's free Bill Manager service is a fast, easy, and secure way to manage your bills online. Receive, view, and pay bills at a single location.

To use Bill Manager, you need to be enrolled in Account Manager online banking and have a Provident checking account. Once logged in, click "Manage Bills" on the left-side navigation bar.

You choose a single merchant or other payee from your personal list, choose several at once, or respond to an online bill that you can see right there. Select when you want it paid and how much it should be, then click the button to send or schedule the payment. You can even set up a recurring schedule of payments for such things as rent, mortgage, loan payments, or subscription to a newspaper or magazine.

Save yourself the trip to the branch or ATM by using e-Deposit. This service enables you to make check deposits to your accounts using your desktop scanner or mobile phone anytime.

Using a scanner connected to a computer, simply scan the front and back of your endorsed check and deposit it to your account — it's that easy.

To use this feature, click the "e-Deposit" button on the Summary of Balances page within Account Manager. Note: Members must meet all of the eligibility criteria in order to have access to the e-Deposit service.

It's easy to move money between your Provident accounts and accounts outside of Provident. Access these services by clicking on the Transfer/Withdrawal tab within Account Manager.

External Account Transfers

• Make transfers between your Provident accounts and accounts with other financial institutions inside the U.S.
• Make loan payments.
• Schedule one-time or recurring transfers.
• All transfers are free.
• Must meet eligibility criteria.

Provident Account Transfers

• Make transfers between nearly all of your Provident accounts (savings, checking, line of credit, credit card, etc.) even if they're under different account numbers.
• Schedule one-time or recurring transfers.

Cross-Account Transfers with Other Provident Members

• Transfer funds from your Provident accounts to another Provident member account.
• Pre-authorization is required; Consent Form [pdf]*

* Adobe Acrobat Reader is required to view and print document.

This Personal Finance Management (PFM) software is easy to use and available at no charge within Account Manager. Use FinanceWorks^TM to take control of your finances and manage all your financial accounts in one place — both here at Provident as well as your other financial institutions.

Easily keep track of what and where you are spending your money, categorize your expenditures, create savings goals, and more.

	FinanceWorks Video Tour Watch this video that provides a comprehensive guided tour of FinanceWorks and all the key features. (running time: approx. 5 min.)
Learn more about FinanceWorks and what it looks like, by using an interactive guide to click on the parts you're interested in and see explanations of the details: View Interactive Demo

e-Statements

View your complete Provident Credit Union statement online in Account Manager, similar to the way it appears when we mail it to you. Get your statement quicker and view your transactions for the entire statement period in one consolidated layout. View statements from past months too (going back as much as 24 months following your e-Document activation). Plus, you'll be helping the environment by reducing the amount of paper used -- and helping yourself by reducing the amount of paper-based mail you have to deal with at home.

Most members love e-Statements as an alternative to paper statements, not only because they represent less clutter, faster access, and the convenience of reading them from any computer, but also because they are a proscription against identity theft. The majority of identity theft happens offline, such as by people stealing your mail or rummaging through your trash. Read more about how using Provident Credit Union online services helps reduce identity theft.

With e-Statements you receive an e-mail notification when your statement is ready for viewing.

Account Notices

Account Notices are electronic versions (PDFs) of the same letters and notices that Provident previously had to send through the postal system, including:

• Term Share Certificate Maturity Notice
• IRA Certificate Maturity Notice
• Notice of IRA Account Annual Fee

You'll get them faster than if we had to send paper through the mail, and because they are stored securely within Account Manager, they can be conveniently accessed any time, up to 180 days after they are sent out.

We'll notify you by e-mail whenever there is an Account Notice available to view. When you get the e-mail, simply sign on to Account Manager, click on the "e-Documents" tab, and click on the "View Documents" button under the Account Notices heading.

If, when you sign on, you have one or more unread Account Notices, it will say so in the upper left corner of the page—even when you are on other pages of Account Manager—and you can just click on the link there to be taken right to them. For urgent messages, such as notices of overdrawn accounts, that link will be shown against a bright yellow background.

Provident Credit Union knows that security is important to you when it comes to online transactions, and we take every safeguard to protect your accounts. Account Manager supports the latest 128 bit encryption to ensure a secure environment for your account access. Unauthorized access is prevented by limiting the number of incorrect sign on attempts, by automatically ending a session after 25 minutes of inactivity, and more. The safety of your money and information is of primary concern to Provident.

With "Multi-Factor Authentication" we do not rely on just a User ID and password, but also have complex heuristics that determine if there is anything out of the ordinary about your sign on. If there is, we ask you follow-up questions that only you should know the answers to. Plus, before you enter your password, we show you the picture that you picked previously. In this way, you are assured to be on the real Provident site before you reveal your password. More information about this Enhanced Security Sign On can be found here.

Account Manager lets you set a complex User ID and password using numbers, upper & lower case letters, and even punctuation. This greatly decreases the chances that anyone else will ever guess your password.

With our Zero Liability Fraud Protection Guarantee, you can rest assured that in the event your account is compromised, you will not be held accountable for any fraudulent electronic transactions made on your account.