Routing Number 321171731

Routing number 321171731 is assigned to Provident Credit Union, a main office located at 303 Twin Dolphin Drive, Redwood City, California 94065. This nine-digit ABA routing transit number identifies Provident Credit Union within the Federal Reserve's Unknown district for processing ACH payments, direct deposits, wire transfers, and check clearing.

The first two digits (32) indicate the Federal Reserve Bank of Unknown, digits 3-4 (11) identify the processing center, digits 5-8 (7173) are the institution identifier, and the final digit (1) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with Provident Credit Union, provide your employer with routing number 321171731 along with your account number. Your account number is separate from the routing number and can be found on the bottom of your checks (to the right of the routing number), in Provident Credit Union's mobile app, or in online banking under account details.

You can verify this routing number on the bottom-left corner of any check from Provident Credit Union, in the mobile app, or by calling 650-508-0300. Direct deposits using this routing number are processed through the Automated Clearing House (ACH) network and typically post within 1-2 business days.

Routing number 321171731 is registered for ACH transactions at Provident Credit Union, including direct deposits, bill payments, payroll, and recurring transfers. ACH payments are processed in batches through the Federal Reserve and typically settle in 1-2 business days.

For domestic wire transfers, Provident Credit Union may use a different routing number. Wire transfers are processed individually through the Fedwire system and settle same-day. Always confirm the correct wire routing number with Provident Credit Union before initiating a wire — using an ACH routing number for a wire can cause the transfer to be rejected or delayed.

This main office of Provident Credit Union is located at 303 Twin Dolphin Drive, Redwood City, CA 94065. Provident Credit Union operates in the Federal Reserve's Unknown district, which serves as the regional hub for monetary policy and payment processing in this area.