I've been a member of this credit union for 8 years and have had no problems. I have recently obtained their Visa card which is linked to the Rewards Checking that I have. This arrangement allows me to receive a 2% interest on my checking balance plus the cash back that the card offers. I recieve about $50 in cash monthly for spending about $300 to $400 every month. The one complaint that I do have about Provident is their website. It could have a better interface and be made simpler to navigate. A Provident Credit Union agent called me during the application process and explained exactly how this Visa card works with Rewards Checking. Now regarding customer service for the card itself I can't comment as I've had no problems with it. I've had the card about 8 months now.