What Is Providence Perfect Cents Savings?
Providence Perfect Cents Savings is a convenient and easy way to GROW your savings AUTOMATICALLY by making purchases, as you already do, like buying groceries, getting gas, going out to dinner and more!

How It Works
Enroll in Providence Perfect Cents Savings
Make purchases with your Providence Visa® Debit Card
Turn your cents into BIG SAVINGS automatically when the amount to round up your purchase to the next dollar is transferred to your Savings Account

How It Works

FAQ
Is there a fee to sign up for Providence Perfect Cents Savings?
No. Providence Perfect Cents Savings is another convenient and FREE service to Providence Bank & Trust customers.
Do Providence Perfect Cents Savings transfers apply to checks written on my account?
No. Providence Perfect Cents Savings apply to debit card transactions only.
What is the 100% Providence Bank & Trust Match?
This is a limited-time bonus being offered by the Bank that will make those pennies add up. When you enroll in Providence Perfect Cents Savings, Providence Bank & Trust will match 100% of round up amount for 90 consecutive days, starting the day of enrollment, and up to a maximum of $50.00. The amount matched will accumulate for one transfer to your Savings account at the end of the 90 day period.
Is there anything I need to do to transfer the round up?
That’s the beauty of Providence Perfect Cents Savings. You just enroll in the program and everything else, including growing your savings, is AUTOMATIC.
My spouse and I have a joint Checking Account with individual debit cards. Will the Providence Perfect Cents Savings apply to both cards?
Yes. All debit cards connected to the Checking Account will round up to your Savings Account.
When will the first Providence Perfect Cents Savings transfer take effect after I enroll?
Providence Perfect Cents Savings transfers become effective for transactions that post on the next banking day after you enroll for the service.
When is the Providence Perfect Cents Savings money transferred from my Checking to my Savings Account?
The round up amount for debit purchases will accumulate for one transfer to your Savings Account per day. Purchases made on weekends or holidays post on the next business day.
How do I track my savings?
Your monthly bank statement will contain an itemized list of all transactions. It will show you all Providence Perfect Cents Savings transfers and the new balance of your Savings Account. Savings can also be tracked through online banking daily.
How do I record Providence Perfect Cents Savings in my checkbook?
Simply round up the transaction in your checkbook every time you make a debit card purchase. For example, if you make a purchase using your debit card that is $13.24, the round up amount will be 74¢ so you would record $14.00 in your checkbook.
What if I make a return?
If you return or cancel an item, your checking account will be refunded the amount of the purchase, but the change from the transaction will stay in your Savings Account.
What if my account is overdrawn?
We will never round up purchases if the transfer will make your Checking Account negative, and we will never transfer change from a Checking Account that is already negative.
What do I need to enroll?
You will need a Providence Checking Account, a Providence Visa® Debit Card and Providence Savings Account.
How To Enroll?
Simply stop in to any of our 6 convenient locations and a Relationship Banker will assist you with enrollment or call us at 888-9-BELONG (888-923-5664) it’s quick and easy!

Disclaimer
Upon enrollment, Providence Bank & Trust will round up your Providence Visa® Debit Card purchases to the nearest dollar and transfer the difference from your checking account to your designated Savings Account. All Visa® Debit Cards connected to the checking account will round up to your Savings account. You must be an account owner on each Checking and Savings Account you enroll. Both signature and PIN transactions made with Providence Visa® Debit Cards qualify for Providence Perfect Cents Savings. Round up amounts will accumulate for one transfer to your savings per day. Providence Bank & Trust will match 100% of round up amount for 90 consecutive days, starting the day of enrollment, and up to a maximum of $50.00. The amount matched will accumulate for one transfer to your Savings account at the end of the 90 day period. Your Savings Account connected to Perfect Cents Savings requires a $25 minimum opening balance. Monthly Savings minimum balance fees will be waived provided there is at least one round up transaction per month. Savings fee structure reverts to standard account requirements if Providence Perfect Cents Savings is discontinued. Account rates are subject to change. Fees may reduce earnings. We may cancel or modify the Providence Perfect Cents Savings program at any time without prior notice. Match is reportable on IRS Form 1099.