Wire Transfer Instructions

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Receiving Wire Transfers to Your Provident Account (Domestic and International)

To receive funds into your Provident account from another financial institution please ensure the following is provided to the other financial institution:

ABA routing number 321171731
Your Provident Credit Union Account number
Address:
Provident Credit Union
303 Twin Dolphin Drive
Redwood Shores, CA 94065

Please review our Service Charge Schedule for applicable fees. Provident Credit Union does not have a SWIFT Code and is unable to receive funds directly from a foreign financial institution via wire transfer. The foreign financial institution sending the funds must use another U.S. financial institution as an intermediary. The intermediary institution will forward the funds to Provident Credit Union using our ABA Routing Number.

What is your SWIFT code?

Provident Credit Union does not have a swift code. We have an ABA routing number, 321171731. All international wires must come via a United States financial institution.

Routing numbers identify the financial institution from and to which funds are transferred. Learn more about routing & transit numbers.

Sending Wire Transfers from Provident

To send funds from your Provident account to be deposited to another institution, sign on to online banking, go to the "Transfers" page, and then click the "Wire Transfers" link in the center of the page. A PDF document will display that can be completed before or after it is saved to your computer.

The Wire Transfer document includes both a domestic and international form. Choose the appropriate form and follow the instructions to complete the form.

Sending domestic wires:

You will need to supply Provident with the following information:

  • Name, address, account number, etc. for the person it is going to
  • A current copy of your state/government-issued picture I.D.
  • U.S. bank name & address
  • ABA bank routing number for US bank
  • [Contact the receiving bank to see if they also have an intermediary bank ABA/Routing number that you'd need to include on the form]

Sending international wires:

You will need to supply Provident with the following information:

  • Name, address, account number, etc. for the person it is going to
  • A current copy of your state/government-issued picture I.D.
  • International bank name & address
  • International bank SWIFT Code [contact the international bank for this]
  • International Bank Account Number (IBAN) [contact the international bank for this]

For all outgoing wires:

The applicable wire transfer fee will be deducted from your account once the wire is complete. If you request it, a confirmation number can also be e-mailed to you upon successful completion of your wire.

All wire transfer requests must be received by 1:00 pm PST to be processed the same day. If a wire transfer is requested after 1:00 pm PST it will be processed the following business day.

Wire transfer requests using the correct form may be faxed to (650) 508-7276 (faxed documents/signatures are considered as legally binding as original documents/signatures and shall be sufficient unless originals are required by a third party). A Provident Credit Union representative will do a call back to verify faxed wire transfer requests.

We reserve the right to request the wire transfer be done at a branch location nearest you, if verification requirements are not met. Wires $50,000 USD and over must be done in person at a Provident Credit Union branch.