I have also opened a Provident Direct account with a small initial deposit. I received a debit card to access the account, but it is difficult to transfer money since they don't have ACH transactions set up yet. There are no brick and mortar Provident banks in my area. You can't even transfer money online from the external account to the Provident account other than the initial deposit. The interest rate they are offering is good, but I'm not sure it is worth the aggravation until they get their online system more fine-tuned.
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