Payments by Phone and Other e-Payments

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Important Information You Should Know

If you are authorizing a payment to be deducted from your Provident Credit Union checking account over the phone, it’s important to provide the complete account number information encoded on the bottom of your checks. Be sure to provide the payee your 12-digit account number (which includes preceding zeros) and the routing number. Provident Credit Union will not be able to honor your request without this information. We require the complete account information for verification to protect your account from being accessed by unauthorized individuals.

This is the Routing & Transit (R&T) number for all Provident Credit Union accounts.

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This is where your Checking Account Number appears. It consists of 12 digits (including preceding zeros).

Other Types of Electronic Transfers

For the following types of electronic transfers, the additional digit at the end of your account number on your checks is not needed:

  • Direct transfers between financial institutions (banks, credit unions, etc.). These are often referred to as ACH (Automated Clearing House) transfers.
  • Payroll Deposits ("Direct Deposit") from your employer. These are also a form of ACH transfer.
  • Wire Transfers. See our additional information about Setting Up Wire Transfers.

When giving your name for the electronic transfer, please make sure it exactly matches the name that Provident has for you. To confirm, you can check any correspondence we've sent you. That way, if there is any problem with the account number, we will be able to look you up by name, and fix it.


If you have any questions about telephone authorized deductions from your Provident Credit Union checking account, give us a call at (800) 632-4600, or stop by one of our branches.