Pen Air making banking easy at the office, at home or on the go.




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Account Access

Online and Mobile Banking

Our no-cost Online and Mobile Banking services allow you to pay bills, transfer funds, deposit checks, locate an ATM or apply for a loan – wherever and whenever it’s convenient for you. Less time banking means more time for everything else.

Starting June 9, 2020, we’ll start sending Fraud Alert texts, for your Debit Card and Credit Card, to help you better monitor your account activity. You’ll receive a free text anytime something seems fishy – and we’ll walk you through the steps to clear your transaction(s).

The new automated system can reach you faster by text, phone, or email to review and identify potentially fraudulent activity on your card. Make sure you log in to Online Banking and update any outdated contact info, so you don’t miss out on these important notifications.

Members should be aware that, while Pen Air Federal Credit Union does monitor fraudulent or suspicious account activity and may proactively contact a member about this activity, we will never call and ask for confidential information such as your entire account number or PIN. Call 850.505.3200 if you have provided confidential information.

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Receive eStatements

Safe, 24/7 access to your account statements

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Pay Bills

Quickly schedule one-time or reoccurring payments

Mobile check deposit. Deposit your checks from anywhere with our Mobile app

Mobile Check Deposit*

Easily deposit checks from home or on the go using our mobile app and your device’s camera.


Get alerts for you debit and credit card sent to your phone. You set the when and what you receive.

Alerts Center*

Receive notifications on account activity, balance updates, and security events.

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POP Money

Send money to any one via text message or email.


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Mobile users can set up an Apple Watch (iPhone) or Android Smartwatch.

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Card Management

Block your debit and credit card lost or stolen.

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Transfer Money

Move money between your Pen Air account and your accounts held at other financial institutions.

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Mastercard® Automatic Billing Updater

Ensures uninterrupted payment and service in the event a card number changes or expires.


*Standard text messaging and data rates may apply.

Purchase rewards

Put money back into your pocket with Purchase Rewards. Forget clipping coupons, you can get cash offers when using your Pen Air Mastercard® Debit Card at all of the places you like to shop! Here’s how to get started:

  • Log in to your Online or Mobile Banking account to see your offers.
  • Click on the individual retail offers to activate and they will automatically load to your Pen Air Mastercard Debit Card. The more you use your card, the more offers you can receive and the more rewards you can earn.
  • Shop at those retailers online or in stores to redeem your offers by paying with your Pen Air Mastercard Debit Card.
  • Enjoy cash back, deposited right into your account at the end of the next month.
  • Activate new offers right when and where you need them.
  • Get directions to the nearest store while you’re out and about, so you can redeem offers right away.
  • There’s no obligation, no limit to the number of offers you can receive and no cost to earn your Purchase Rewards.

Purchase Rewards FAQs