e-Deposit
| Time Zone | Cutoff and Availability Times |
|---|---|
| Pacific | Deposits made by 11:59 p.m. count toward your daily limit. Deposit that occur after this time are considered to be part of the next day’s daily limit total. Funds deposited through e-Deposit follow our normal funds availability policy. When depositing checks there is a limit on how much is made available for immediate access (from $500 to $2500, if you qualify). The actual amount is mostly dependent on number and type of other accounts you have with Provident. We place temporary holds on the remainder, in order to limit our exposure to fraud as we wait for checks to clear. This remainder typically becomes available within 7-9 business days. |
Internal Transfers
| Transfer "To" Account | Funds Availability |
|---|---|
| Credit Accounts (Credit Cards, Business Credit Cards, HELOC With Visa Access, Mortgage Loans, Consumer Loans) |
All payments to credit accounts are applied immediately. Visa credit card payments will reflect in your account’s available credit immediately following posting. However, it may take 2-3 business days for your payment to be reflected in your current balance. |
| Deposit Accounts (Savings, Checking, Money Market) |
All transfers are credited to your account immediately. |
Bill Pay
| Payee Type | Funds Availability |
|---|---|
| Non-Provident Payees (Electronic Biller) | 1-2 Business Days012 |
| Non-Provident Payees (Paper Check Biller) | 6-8 Business Days (Standard) 2 Business Days (Expedited)217 |
Zelle®
| Received Zelle Payments | Funds Availability |
|---|---|
| Instant | Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. |
| Standard | 1-3 Business Days (When you send money that’s future dated, or if it exceeds your available limits for instant delivery). |
External Account Transfers (Consumers)
| Transfer Type | Cutoff and Availability Times |
|---|---|
| Standard Transfers | External transfers requested by 10:00 p.m. PST will begin to be processed the next business day. External transfers requested after 10:00 p.m PST will begin to be processed on the second business day after the request was submitted. 3 Business Days003 |
| Next Day Transfers004 | External transfers requested by 10:00 p.m. PST will begin to be processed the next business day. External transfers requested after 10:00 p.m. PST will begin to be processed on the second business day after the request was submitted. 1-2 Business Days |
| Instant Transfers005 | The sending account is debited instantly and the receiving account is credited instantly. |
External Account Transfers (Businesses)
| Transfer Type | Cutoff and Availability Times |
|---|---|
| Standard Transfers | External transfers requested by 12:00 p.m. PST will begin to be processed the next business day. External transfers requested after 12:00 p.m. PST will begin to be processed on the second business day after the request was submitted. Incoming Transfers: 3 Business Days Outgoing Transfers: 2 Business Days |
Statements
| Delivery Type | Delivery Timeframe |
|---|---|
| Member e-Statements | 2-3 business days from the first of each month |
| Member Paper Statements (Mailed) | 7-10 business days from the first of each month |
| Mortgage e-Statements | 8 to 10 business days prior to next due date |
| Mortgage Paper Statements (Mailed) | 5 to 10 business days prior to next due date |
| Visa e-Statements | |
| Visa Paper Statements (Mailed) | |
| VIP e-Statements | |
| VIP Paper Statements (Mailed) |