Provident CU Mobile Banking vs Sonem

Manage your accounts from almost anywhere with the Provident mobile app. Manage your accounts, pay bills, pay people, deposit checks, transfer money, and much more. With the Provident mobile app you are in control of your daily banking needs. Manage your accounts with just a few taps. Features include: • Sign in securely with Touch ID or Face ID • Monitor deposit and loan account balances • Send and receive money with Zelle® • Transfer funds, set recurring transfers or future dated • View check images • Manager overdraft sources and courtesy pay selection • Send and receive secure messages to/from Provident • Pay bills, add payees, schedule future bills, and view/manage eBills • Deposit and reorder checks • View account details, balances, transactions • Find ATM/Branch locations • View credit score • Manage your contact information • Set account alerts for deposit, loan, and credit cards • Manage credit cards with travel notices, authorized users, balance transfers & card activation • Enable/disable your credit or debit cards, block purchases and set monthly spending limits • In-app chat to easily get in touch with a Provident representative

Sonem is an expense tracker that stays on your phone. Amount, category, done — with instant category totals, budgets and savings goals, and no account to create, ever. WHY SONEM IS DIFFERENT Most finance apps start by asking for your bank login. Sonem never asks — there's no sign-up, no cloud sync, no bank linking. Everything you log lives on your device and nowhere else, and the app works fully offline. Manual entry is deliberate. Typing the amount takes a few seconds, and that small moment is the point: you notice what you spend. Noticing is how spending changes. WHAT YOU GET - Fast manual logging — amount, category, done - Instant category totals with a six-month breakdown - Monthly budgets with progress you can read at a glance - Savings goals you add toward as you go - Full history, filterable by category, day, week, month, or year - A daily streak that keeps the logging habit alive - Income and expenses side by side - Categories you can rename and re-emoji — changes apply everywhere, instantly PRIVATE BY ARCHITECTURE Privacy isn't a setting in Sonem — it's the structure. Your financial data never leaves your phone. With no account, there's nothing to breach and nothing to sell. You don't have to trust a privacy policy; there's simply nothing to collect it from. BUILT FOR A DAILY RITUAL Open, log, close. Sonem is designed around a daily check-in that takes seconds — the streak keeps you honest, the category bars show the shape of your month, and the budgets tell you when to ease off. No dashboards to configure. No reports to export. Just you, your numbers, and a habit that compounds. Take control of what you spend — and keep it to yourself.