Personal Banking at Provident

We have worked diligently to maintain customer account numbers. If we need to make a change to your account number(s), we have notified you.

Beginning Tuesday, September 3, 2024, you no longer have access to free ATMs through the Allpoint^® ATM network. However, you can use any Provident ATM in our expanded network of more than 140 branches free of charge.

Lakeland ATM and HSA cards were reissued as Provident Debit Mastercards^® in August. If you have not received your new card, please call 800.448.7768.

BaZing benefits available through Lakeland Bank personal checking accounts were discontinued as of Friday, August 30, 2024. Claims must be submitted by Monday, September 30, 2024.

There are no changes to the current rate, term, or maturity date of your CDs and/or IRA CDs. At the first renewal on or after Tuesday, September 3, 2024, your CD will automatically renew at the same or closest term offered and applicable rate/APY in effect. There are no changes to your IRA plan.

Continue to use your existing checks. We’ll send you new Provident-branded checks when you place your next check order. If you order checks from a third-party vendor, be sure to provide the Provident routing number: 221272303. Check orders may be subject to service fees.

You can continue to use your Lakeland Bank Visa^® credit card through the expiration date. When your current card expires, you will receive a new Provident Bank branded credit card.

Customer Care representatives are available at 800.448.7768 Monday through Friday from 8:00 AM to 7:00 PM and Saturday from 9:00 AM to 2:00 PM.

Temporary extended hours:

September 3 – September 15:​​

Monday - Friday, 7:00 AM - 10:00 PM​

Saturday, 8:00 AM - 5:00 PM

Sunday, 8:00 AM - 2:00 PM

September 16 – September 21:

Monday - Friday, 8:00 AM - 8:00 PM

Saturday, 8:00 AM - 5:00 PM​​

You can continue to use your Lakeland Bank Debit Mastercard^® through the expiration date. When your current card expires, you will receive a new Provident Debit Mastercard.

You will receive a final account statement from Lakeland reflecting activity through Friday, August 30. Monthly service fees, if any, will not be charged for the month of August. You will receive your Provident Checking account statement at approximately the same time of the month. Your savings account statements will be moved from quarterly to monthly, on or about the 5th of the month.

Your direct deposits and automatic payments using your new Provident account will continue uninterrupted.

The FDIC provides a six-month grace period, which will begin following the legal date of our merger, May 16, 2024. If you are a customer of both Provident and Lakeland, your accounts will be insured separately through the FDIC until six months after this date.

For Certificates of Deposit (CDs), FDIC insurance will continue until the maturity date, even if the maturity date comes after the six-month grace period. For CDs that mature during the six-month grace period, if you roll over your CD for the same term and in the same dollar amount, it will be insured separately until the new maturity date.

Nonetheless, you should plan to speak with us. We may be able to link your accounts to help satisfy any minimum balance requirements and review the ownership category and titling of your accounts to ensure that you continue to qualify for the maximum FDIC coverage allowed by law.

If you had an investment relationship with Lakeland Financial Services, a Provident Investment Services financial advisor contacted you to complete your transfer paperwork.

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is not affiliated with the financial institution where investment services are offered. Individuals affiliated with Cetera firms are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services. Registered Cetera Address: 6 Jackson Street, South River, NJ 08882 732-847-9362.
Insurance and Investment Products are: Not FDIC Insured, Not Bank Guaranteed, May Lose Value, Not a Bank Deposit, Not Insured by any Federal Government Agency.

Your Lakeland loan and/or line of credit will transfer to Provident on Tuesday, September 3 with no changes to your current terms or conditions. Please note the new payment address provided on your first loan statement after Tuesday, September 3. Automatic payments will continue uninterrupted.

Access to Lakeland online banking and bill pay ended on August 30, 2024, and users received a communication with important transition details and login information for ProvidentConnect Online Banking.

If you currently had overdraft privilege on your checking account, you will receive a separate communication in October with additional information regarding overdraft services.

Effective Tuesday, September 3, recurring internal transfers previously established for former Lakeland Bank deposit and loan accounts are no longer active and must be re-established at Provident.

The routing number for Provident Bank is 221272303.

Starting Tuesday, September 3, 2024, safe deposit boxes are identified by the box number only, and no longer by the account number shown on your annual billing notice. Current safe box customers received a separate mailing.

Beginning Tuesday, September 3, 2024, call 800.448.7768 for 24/7 automated telephone banking service. New Provident Bank customers will need to call from a phone number on file and establish a new PIN when calling for the first time.