Checking Accounts

Made to fit.

Open an Account

Ready to join or add an account?

You can now open an account with us if you live, work, go to school or worship in 17 counties, from Mobile County, Alabama to Leon County, Florida.

Ready to join us?

Open a New Account

Currently a member?

Add an Account
Find a Branch Near You

Fee Free. Worry-Free

Your PenAir Checking Account is where you pay the bills, buy gas and groceries, and swipe your Debit Card for the fun stuff. Experience total control over your money with no monthly maintenance fees, no minimum balance requirements, and the chance to earn dividends.

Choose the Options That Suit You Best

1 class="wrapper">

Personal Checking

It’s banking on your terms. Enjoy the flexibility to manage your funds with no monthly maintenance fees, no minimum balance requirements, and digital tools at your fingertips. Join us and experience banking that fits your lifestyle effortlessly.

2 class="wrapper">

High-Yield Checking

Elevate your financial journey and grow your balance. A Checking Account that pays dividends when you enroll in eStatements and make a monthly ACH Deposit of $250 within a single day.

Choose Simplicity or Rewards

  • Monthly Fee

    Monthly Fee

  • Min. Balance Required

    Min. Balance Required

  • Monthly ACH Deposit Required

    Monthly ACH Deposit Required

  • Earn Dividends

    Earn Dividends

  • eStatements Required

    eStatements Required

Personal Checking

  • Monthly Fee

    No

  • Min. Balance Required

    No

  • Monthly ACH Deposit Required

    Optional

  • Earn Dividends

    No

  • eStatements Required

    Optional

High-Yield Checking

  • Monthly Fee

    No

  • Min. Balance Required

    No

  • Monthly ACH Deposit Required

    Yes*

  • Earn Dividends

    Yes**

  • eStatements Required

    Yes

*Ensure your eligibility by setting up a monthly ACH Deposit of $250.00 or more in a single day.
**Dividends are paid when the monthly ACH Deposit and eStatements requirements are met.

Every PenAir Checking Account Includes:

Credit Card class="wrapper">

Free Mastercard® Debit Card

Your PenAir Debit Card works hard for you in the digital and physical shopping world. A handy security-chipped card comes free with every PenAir Checking Account.

Computer class="wrapper">

Digital Banking Solutions

You are empowered to manage your money any time, any place with PenAir’s advanced digital tools. For every which way you go, we’re (literally) right by your side.

Location class="wrapper">

Fee-Free ATM Access

Cash so fast you’ll flip. With thousands of surcharge-free ATMs, you can access your cash wherever your busy life takes you.

Calculator class="wrapper">

Budgeting Help

With easy access to financial resources you’ll actually want to use, we’ll work with you to unlearn bad habits, break generational cycles and plan a future that fits you.

Checkmark class="wrapper">

Account Controls

Ready to get a handle on things? You’re set up for success with features like the Money Management budgeting tool, Debit and Credit Card Control, account alerts and more.

Checking for Teens and Kids

Looking for a Minor Checking Account option? PenAir’s Level UP Youth Account Program empowers young members (8-18) to use a Debit Card and keep track of their budget with Digital Banking and the PenAir App — all with Parental Controls that give you peace of mind.

PenAir's Powerful Mastercard® Debit Card

The PenAir Mastercard® Debit Card gives you more than just 24/7 access to your money.

Store Front class="wrapper">

Contactless Technology

Your debit card is enabled for added security. You’ll find so much power within this rectangular piece of plastic!

Document class="wrapper">

Automatic Billing Updater

New card number? Don’t fret. Most automatic payments will transfer seamlessly to your replacement card.

Safety class="wrapper">

Fraud Monitoring

Your Debit Card comes equipped with 24/7 fraud monitoring to help you sleep at night.

Notification-Alert class="wrapper">

Card Alerts

You can place personalized real-time alerts on your PenAir Debit Card that will ensure no transaction gets by you undetected.

Star class="wrapper">

Support our Schools

The Share It® program turns your signature-based transactions into donations to the schools in your neighborhood.

Credit Card class="wrapper">

Instant Issue

Immediate access to your money is important, so why wait for the mail carrier? You can visit any PenAir location to print your Debit Card right there in the branch.

Mobile Phone class="wrapper">

Virtual Wallets

Use your PenAir Debit Card with Apple Pay®, Google Pay™, and Samsung Pay® for the ultimate safe and secure shopping experience.

People say the nicest things

PenAir Credit Union is the best place to bank, hands down.

-Debra, PenAir member for 22 years

Need a little more information?

At PenAir, the $5 required in your Savings Account determines your ownership in the credit union. Opening a new Checking Account at PenAir is hassle-free, as it does not require a minimum balance or monthly fees.

To become a PenAir member, you only need three things:

  1. Your driver’s license or other acceptable forms of identification, such as government-issued photo IDs, state IDs, or military IDs.
  2. Your complete physical and mailing address. If your current address doesn’t match your ID, we’ll need proof of your current address (e.g., a paystub, utility bill, tax bill, or vehicle registration).
  3. $5 for your Savings Account, which serves as your share account and establishes your membership with PenAir.

As long as you live, work, go to school, or worship between Mobile, AL and Tallahassee, FL, you’re eligible to join PenAir and enjoy our range of financial services.

Your new account can be funded with a debit or credit card. Welcome to PenAir, where your financial journey begins!

You must be 18 years old to be a primary member on a PenAir account. However, minors aged 0-18 can be joint owners with a guardian on Youth Accounts. Members aged 8+ can access PenAir Mastercard® Debit Cards and Digital Banking.

Making the switch to High-Yield Checking is a snap! Here’s how you can do it:

  1. Schedule an Appointment:
    • Click “Schedule an Appointment” and choose between a virtual session using your device or a face-to-face meeting at your preferred branch. Rest assured, both options guarantee personalized guidance tailored to your needs.
  2. Call Our Member Service Center:
    • Dial 850-505-3200, option 2, to connect with our Member Service Center. They’ll assist you in seamlessly transitioning to High-Yield Checking over the phone.
  3. Digital Banking or PenAir App:
    • Do you prefer the convenience of your device? No problem! Using our Secure Form, submit a request through Digital Banking or the PenAir App. It’s quick, secure, and accessible from the comfort of your home.

Unlock the full potential of High-Yield Checking by meeting these eligibility criteria:

  • Age Requirement: Applicants must be 18 years or older to be eligible for High-Yield Checking.
  • Monthly ACH Direct Deposit Commitment: Ensure your eligibility by setting up a monthly ACH Direct Deposit of $250.00 or more in a single day.
  • Digital Banking Optimization: Elevate your banking experience by enrolling in eStatements. This streamlined and paperless approach enhances convenience, making managing your finances a breeze.

Meeting these criteria makes you eligible for High-Yield Checking and sets the stage for a more rewarding and efficient banking journey.

*High-Yield Checking is only for Personal accounts. At this time, Business and Minor accounts are ineligible.

Didn't Find What You Needed? Say: Help Me With Something Else

Open Your PenAir Checking Account

Open an Account Today
Get Started Online

Ready to join or add an account?

You can now open an account with us if you live, work, go to school or worship in 17 counties, from Mobile County, Alabama to Leon County, Florida.

Ready to join us?

Open a New Account

Currently a member?

Add an Account
Our Friendly Staff Are Here to Help
Schedule an Appointment
Give Us a Ring
1-877-473-6247
SVG linear gradient