Routing Number 231374916

Online Banking

Routing Number 231374916

Online Banking Education

Phoenixville Federal provides the information you need to equip yourself with the knowledge and tools to navigate online banking. Financial literacy is an essential skill in today’s digital age, and we are committed to helping you develop and hone your skills. Our staff will be happy to answer any questions you may have about your accounts. 

How to Avoid Overdraft Fees

When you write a check, use your debit card, or make an automatic bill payment for an amount greater than what is in your checking account, you risk overdrawing the account. 

Proactive account management is the best strategy to avoid overdraft fees.


  • Keep your checking register up-to-date.
  • Pay special attention to electronic transactions.
  • Don’t forget about automatic payments. Many companies will allow you to adjust the payment date.
  • Review your account statement monthly to identify spending habits and catch fraudulent transactions.

Phoenixville Federal offers two convenient ways to safeguard your account:

Overdraft Protection: Link your checking account to a Phoenixville Federal savings account. In the event of an overdraft, the bank will transfer sufficient funds from your savings account for a small transfer fee.


Overdraft Privilege: As long as you keep your account in good standing, Phoenixville Federal offers courtesy overdraft protection. There are no annual fees or interest charges, but a fee is applied each time the bank pays an overdraft for non-sufficient funds.


*Please note that if your account remains negative for 45 consecutive days, it may be closed by the bank, and we will add a processing fee of $100.00 to any accounts sent to a third party for collection. For current overdraft and transfer charges, please refer to our Schedule of Services & Fees or contact your local branch for more information.

OPT-IN to ODP Service

Mistakes happen. That’s why we have no monthly fee to opt-in to our Overdraft Privilege or Overdraft Protection on ATM/POS debit card transactions. You only pay for these services when you need them. You can change your mind at any time, but if you opt-out, we must decline any purchase made with insufficient funds.


See Opt-In Notice here.

About Credentials & Passwords

Our online banking education services help keep your accounts safe and secure – but we can’t do it alone. Our multi-factor authentication sign-on process ensures that you and only you have access to your accounts and information.


  • We will never call, email, or contact you asking for your password(s). Contact us immediately if you’re asked for a password or login code.
  • We will never send emails asking you to verify your account information or sign on to online banking to confirm your identity.
  • Use complex, hard-to-guess passwords, and avoid using easily determined words. 

Reporting Suspicious Activity

If you ever suspect or have questions regarding fraudulent activity, please call 610-933-1000 or visit our Contact Us page.

Online Banking Education for Business Customers

We recommend performing regular internal risk assessments and evaluating security controls for business customers. This helps mitigate potential threats before they become a problem. There’s no need to sign up for a paid online banking course from a 3rd party with questionable credentials – trust the experienced professionals at Phoenixville Federal to provide you with expert advice when you need it most.

Electronic Protections

As a customer of Phoenixville Federal Bank & Trust, you benefit from all the protections outlined by the FDIC regarding electronic transactions (Reg E). 


*Please note that Reg E protections do not extend to Business Accounts, Cash Value Cards, or Gift Cards.


At Phoenixville Federal, we’re not just a bank. We’re part of the community. With five branches spread across Chester and Montgomery Counties, we have been proudly serving the community since 1912. Together, we can build a safer and more secure financial environment for everyone.

Suggested Sites for Further Online Security Information

A list of recommended controls and prudent practices that customers should implement when using the institution’s remote financial services include: