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Pen Air is ready to serve you! Find Hurricane and COVID-19 Updates here.

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Need to Know Updates

Hurricane Season: Jun 1 – Nov 30

Hurricane season is upon us and Pen Air is prepared to handle whatever may come our way.  Download our easy to follow hurricane guide and start preparing today. 

Please understand that due to COVID-19, your planning for hurricane season may look a little different than in years past. For additional suggestions, visit the CDC website.


COVID-19 Emergency Relief Options:

Need help with your Pen Air loan due to COVID-19? Call us today.
Call our Credit Resolution Team at 850.505.3200 ext. 7250

Our promise to you is to be as prepared, flexible, and timely with our responses to any changes made, but most importantly we will always place member service as our top priority.


 

Operational Updates and Resources

July 7 – Updated Branch AvailabilityOpened EntryClosed Entry

At Pen Air we promise to respect and value the trust you’ve placed in us. Caring about our members, staff, and community and showing respect also means being transparent. Today is no exception. We are reaching out to you again with another update to our business operations.
 
Unfortunately, over the weekend some of our staff either tested positive for COVID-19 or were exposed to someone who tested positive and are now required to quarantine for the mandated 14 days.
 
Despite our best efforts in controlling the things that we can, the virus continues to rear its ugly head. It is important to keep our staff, their families, and our members as safe and healthy as possible during this time.
 
Thank you for being flexible with us as we navigate this ever-changing environment. We are making the following decisions to try and get ahead of the virus spreading even more:
 
Effective immediately, our Nine Mile location is temporarily closed due to a potential COVID encounter.

  • We are conducting a deep cleaning and fumigation of the facility.
  • The walk-up Pen Air Live machine, and drive-up ATM are accessible and available for you to use.
  • We expect to reopen the drive-thru, and the lobby by appointment only, Friday, July 10th, 2020.

Effective Wednesday, July 8th, 2020, the following lobbies will remain open by appointment only Monday-Friday 9am-5pm:
Century, Corry, Nine Mile (starting July 10th), Pace, and Robertsdale

  • The Corry, Nine Mile, Pace, and Robertsdale drive-thru will be open Monday-Friday 8:30am-5:30pm and Saturday 9am-Noon.
  • The Century Pen Air LIVE drive-thru will be open Monday-Friday 7am-7pm and Saturday 9am-2m
  • The following lobbies are closed until further notice. The drive-thru lanes will remain open:
    • Airport, Car City, Eastern Shore, Foley, Garden Street, Gulf Breeze, Milton, NAS Pensacola, NAS Whiting, and Saufley.

Our Member Service Center and Pen Air LIVE locations will remain open Monday-Friday 7am-7pm, and Saturday 9am-2pmFor a complete list of all our Pen Air LIVE Drive-Thru locations, visit penair.org/Locations.
 
We are hopeful that making these changes will enable us to slow down and potentially stop the spread of the virus among our staff. It will also set us up to keep as many people as we can healthy and working from home, allowing us to continue to provide you the service you deserve.
 
Pen Air provides a strong array of digital tools that allow you to bank wherever you are whenever you want. Tools like Online Banking with Bill Pay, Mobile Banking, Mobile Check Deposit, Secure Chat inside Online Banking, eStatements, and more. Learn more by visiting penair.org/Access.

July 3 – Branch Lobbies are by appointment ONLY Opened EntryClosed Entry

Out of an abundance of caution and respect for our staff, their families, and our members along with the increase of positive COVID-19 cases in our area, effective Monday, July 6th all of our lobbies will revert back to appointment only. 
  
The following Traditional Drive Thru locations will be open Monday – Friday, 8:30am-5:30pm and Saturday 9am-Noon.

  • Corry, Nine Mile, Pace, and Robertsdale

Our Member Service Center and the following Pen Air LIVE Drive Thru locations will be open Monday-Friday 7am-7pm and Saturday 9:00am-2:00pm.

  • Airport, Car City, Century, Eastern Shore, Foley, Garden Street, Gulf Breeze, Milton, and Saufley

 
Our NAS Pensacola and NAS Whiting field offices will remain closed at this time due to the strict requirements to get onto those base locations.
 
Please leverage our digital services like Online Banking, Mobile Banking, Mobile Deposit, and more whenever possible. You can learn more at penair.org/Access
 
If you need to make an appointment for special banking services that cannot be handled in the drive thru or through the use our digital tools, please call our Member Service Center at 850.505.3200 to schedule an appointment. Appointments are available Monday – Friday, 9am-5pm.
 
Please know that we are following the guidelines of the CDC, local and state government, and implementing extra measures to keep our members and staff safe.

We have incorporated the following steps to ensure everyone’s safety:

  • We’ve installed germ safety shields in all of our offices, member service stations, and teller windows
  • We’re providing hand sanitizer at every location
  • Masks are available for members choosing to wear one upon entering our lobby for a scheduled appointment
  • We’ve added social distancing markers in each location
  • Our cleaning crews are conducting deep cleanings every day
  • Our staff is wiping down surfaces throughout the day

Protecting our staff, members, and community are our top priority

June 19 – Phase II of Branches Reopening Opened EntryClosed Entry

Pen Air is eager to serve you the best member experience possible while keeping your health and safety a top priority. In accordance with government recommendations, we’re beginning to reopen more of our branch lobbies.

Starting Monday, June 22, 2020 the following lobbies will be open to the public.

  • Corry – 9:00 am to 5:00 pm M-F
  • Gulf Breeze – 9:00 am to 5:00 pm M-F
  • Nine Mile – 9:00 am to 5:00 pm M-F and Saturday from 9:00 am to 12:00 pm.
  • Pace – 9:00 am to 5:00 pm M-F
  • Robertsdale – 9:00 am to 5:00 pm M-F and Saturday from 9:00 am to 12:00 pm. 
  • Saufley – 9:00 am to 5:00 pm M-F

For those of you who visit our Nine Mile location, please know that the main entrance on the West side of the building is closed. Please use the entrance on the East side of the building – right across the street from Wal-Mart. This will allow us to properly monitor physical distancing and keep everyone as safe as possible!

The following locations are open by appointment only, Monday through Friday 9:00 am to 5:00 pm

  • Airport
  • Car City
  • Century
  • Eastern Shore
  • Foley
  • Garden Street
  • Milton

Please call our Member Service Center at 850.505.3200 to schedule your appointment.

Our Corry, Nine Mile, Pace, and Robertsdale Drive Thru locations will be open Monday through Friday, 8:30am-5:30pm, and Saturdays from 9:00am-12:00pm.

Our Member Service Center and Pen Air Live Machines will be open Monday through Friday 7:00 am to 7:00 pm and 9:00 am to 2:00 pm on Saturdays.

To help keep you safe, hand sanitizer will be available at the front door and greeter stations. In addition to limiting member capacity at our locations, physical distancing markers will be visible in the transaction lines, so you know where to stand. New transparent shields have been installed at every other teller window, greeter station, member experience station, and desks to create a safer interaction environment.

Pen Air has created a safer environment in our branches by installing germ shields

We’ve been getting through this together and will continue to do so, one step at a time. 

May 27 – Phase 1 of Branches Reopening Opened EntryClosed Entry

In accordance with government recommendations, we’re taking necessary steps to start reopening our branch locations.

What does this look like?

Starting June 1, 2020:

  • Nine Mile, Pace, Robertsdale, and Corry lobbies will be open Monday through Friday, 9:00 am to 5:00 pm. Our Nine Mile and Robertsdale lobbies will also be open on Saturdays from 9:00 am to 12:00 pm.

For those of you who visit our Nine Mile location, the main entrance on the West side of the building is closed. Please use the entrance on the East side of the building – right across the street from Wal-Mart. This will allow us to properly monitor physical distancing and keep everyone as safe as possible!

  • All other locations will remain open for appointments only, Monday through Friday 9:00 am to 5:00 pm. Please call our member Service Center at 850.505.3200 to schedule an appointment.
  • All traditional drive-thru lanes will remain open Monday through Friday, 8:30 am to 5:30 pm and Saturdays from 9:00 am to 12:00 pm.
  • Our Member Service Center and Pen Air Live Machines will be open Monday through Friday 7:00 am to 7:00 pm and 9:00 am to 2:00 pm on Saturdays.

To help keep you safe, hand sanitizer will be available at the front door and greeter station. In addition to limiting member capacity at our locations, physical distancing markers will be visible in the transaction lines, so you know where to stand. New germ shields have been installed at every other teller window, greeter station, and desks to create a safer interaction environment.

Pen Air has created a safer environment in our branches by installing germ shields

May 14, 2020 – Message from our President and CEO Opened EntryClosed Entry

It’s been seven weeks since Pen Air has shifted the way we operate in order to prioritize the health and safety of you and our staff through the developments of COVID-19.

Pen Air is continuing to follow CDC guidelines, deep cleaning practices, and stocking hand sanitizer for members and staff. We are following government recommendations for business operation to maintain the level of service you deserve!

Please watch this video message from our President and CEO, Stewart Ramsey, on our current and future plans for operation.

Access your funds now:

  • The fastest way to access your account, make transfers, apply for new accounts and loans, and even Mobile Check Deposit is to use Online Banking and your Mobile App.
  • Call our Member Service Center at 850.505.3200 for quick information and support between 7:00 am and 7:00 pm Monday through Friday and 9:00 am to 2:00 pm on Saturday. 
  • Pen Air LIVE Drive Thru machines are open from 7:00 am to 7:00 pm Monday through Friday and 9:00 am to 2:00 pm on Saturday.
  • Traditional Drive Thru lanes are open from 8:30 am to 5:30 pm Monday through Friday and 9:00 am to 2:00 pm on Saturday at our Corry, Nine Mile, Pace, and Robertsdale locations.
  • If you need to visit a branch, call our Member Service Center at 850.505.3200 to set up an appointment. Please be prepared with your identification and answers to a few security and health questions.

What does the future look like?

Although an actual date has not yet been finalized, Pen Air is planning a phased approach for reopening. In the first phase, we will open some of our larger locations in each county. This will allow us to provide proper physical distancing inside our lobby areas. All other remaining locations will continue to serve members by appointments only. Transparent safety shields are being installed to protect members and staff and we will have plenty of hand sanitizer available. The safety of our staff and members are our first concern and we will continue to closely follow the recommended guidelines of our local and state government for reopening.
 
Thank you for your membership, resilience, and  flexibility throughout this period of change. Pen Air is here for you, and we’re getting through this together!

May 5 – Protecting Your Credit Opened EntryClosed Entry

While we are all prioritizing our physical health and wellness, Pen Air is here to help you consider the health of your finances. Monitoring your credit is an impactful way to maintain and improve your financial fitness.

Free weekly online credit reports are available now through April 20, 2021 from TransUnion, Experian, and Equifax at annualcreditreport.com.

This is the only website authorized to fill free credit report orders.

It’s important to keep in mind that your credit report and credit score are different. Your credit report is a statement of your credit activity and current credit situation, including a history of loan payments and credit account status. Your credit score is calculated from your credit history and attributed behavioral information.

How can you keep track of your credit score?

  • Check your credit card or other loans statements.
  • Talk to a non-profit certified credit counselor.
  • Use an online credit score service.
  • Purchase a score from a credit bureau: TransUnion, Experian, or Equifax.

Be proactive with your credit by following these guidelines:

  1. Pay your bills – even the minimum monthly payment will prevent a negative impact on your credit.
  2. Contact creditors and service providers when finances aren’t fit. Often companies will work with you to make a payment plan that keeps you on track.
  3. Check your credit! Use the four methods above to keep track of your score.
  4. Protect your identity. Scams are especially prevalent during a crisis like COVID-19. If you think you may be the victim of a scam, please file a complaint with the Federal Trade Commission at gov/complaint.
  5. Dispute inaccuracies. The quickest way to file a dispute is online with a credit bureau.

This content and access to our Financial First Aid booklet is provided by our partners at  BALANCE. Access more educational tools and resources at penair.org/Balance.

April 24 – Beware of Cash Flipping Scams on Social Media Opened EntryClosed Entry

Have you ever come across a social media post promising to help you “get rich quick?” As tempting as these posts may seem, especially in a time of need, it’s important to know the facts and avoid falling victim to “Cash Flipping” scams online. 

Cash Flipping refers to a scam where fraudsters convince you to give them access to your funds with the promise of multiplying its value and giving you a share of profits in return. In reality, scammers are stealing your account information and withdrawing your funds to keep for themselves.

Be aware of social media get rich quick scams! If it's too good to be true, it usually is.

Watch out for these red flags on social media:

🚩 Unless you are using an official social media job listing feature, like LinkedIn or Facebook’s job search, then be weary of opportunities posted on social media.

🚩 You should never have to give your physical debit card OR debit card information to anyone in order to receive money. Giving out your PIN is also against Pen Air’s cardholder agreement.

🚩 Excessive use of the word “legitimate” is typically a sign that the offering is not legitimate. If it looks to good to be true, it probably is.

🚩 Photos displaying large amounts of cash with offers to pay you for using your debit card are a tell-tale sign of a Cash Flipping scam.

Falling victim to fraudsters on social media can be difficult to recover from financially. Keep an eye out for illegitimate posts and don’t let a cash flipping scam destabilize your financial future.

Pen air is here for you! Call our Member Service Center at 850.505.3200 for questions and support.

April 22 – Message from our President and CEO Opened EntryClosed Entry

At Pen Air, we pride ourselves on living by the credit union motto of “people helping people.” Although the way we operate has shifted, our mission remains the same: Enhancing Lives through exceptional service, strength, and financial solutions.

We have been working diligently to make sure that our service to you shines through unprecedented circumstances. You can apply for emergency relief options including payment deferrals and short-term temporary loans online.

Access your funds:

  • The fastest way for you to access your account, make transfers, apply for new accounts and loans, and even remote deposit capture is to use Online Banking and your mobile app.
  • Call our Member Service Center 7:00 am to 7:00 pm Monday through Friday and 9:00 am to 2:00 pm on Saturday.at 850.505.3200 for quick information and support regarding your funds.
  • Pen Air LIVE Drive Thru machines are open from 7:00 am to 7:00 pm Monday through Friday and 9:00 am to 2:00 pm on Saturday.
  • Traditional Drive Thru lanes are open from 8:30 am to 5:30 pm Monday through Friday and 9:00 am to 2:00 pm on Saturday’s at our Corry, Nine Mile, Pace, and Robertsdale locations.

We want to thank you for your membership, your resilience, and your flexibility throughout this period of change. Pen Air is here for you, and we will get through this together.

April 16 – IRA Contribution Changes & Tax Filing Opened EntryClosed Entry

Pen Air knows that right now, you may have more important things to worry about than your finances. That’s why we’re here to keep you updated on the most helpful financial information and resources available, so you can focus on what matters most.

Did you know?

  • The IRS has extended this year’s tax deadline from April 15, 2020 to July 15, 2020.
  • The age limit for IRA contributions has been removed as a part of the 2020 SECURE Act (Setting Every Community Up for Retirement Enhancement).

So, don’t fret if you haven’t submitted your taxes already – your submission won’t be counted as late and there will be no penalties or interest accrued before the new deadline.

If that’s not enough time for you, everyone is eligible to request an even longer extension from the IRS. Find the most accurate and detailed information regarding this year’s tax filing on the IRS website.

The SECURE Act has been in effect since January 1, 2020 – altering aspects of retirement for Americans of all ages. In addition to removing the IRA contribution age limit, this legislation also remarks on new-parent withdrawals and 401k options for long-term part-time employees.

Visit penair.org/Investments or call us at 850.505.3200 ext. 8332 to talk to one of our trusted advisors about your options today.

April 9, 2020 Federal Government Stimulus Check Information Opened EntryClosed Entry

We understand that each of our members have been affected in some way by COVID-19 and its impact on the health of our nation and economy. We’re here to give you the most helpful and up-to-date information regarding your financial well-being, fulfilling our mission to enhance your life through exceptional service, strength, and financial solutions.

The Federal Government will soon start issuing stimulus checks to qualified households via direct deposit or treasury checks from the IRS. The IRS is your most credible source for information and questions about payment, including eligibility and amount.

No action is required by most people at this time. Direct deposits will be based on your most recent tax return. If you did not use direct deposit on your most recent filing, a treasury check will be mailed to you OR you can set up direct deposit on the IRS website when the option becomes available.

We recommend utilizing the direct deposit option in lieu of a check if possible. Direct deposit helps decrease risk of fraud and stolen or lost checks. Please check the IRS website often for the completion of their web-based portal to set up direct deposit.

It’s also a good idea to make yourself aware of Coronavirus relief scamsCheck out this article from the Federal Trade Commission to help you keep scammers at bay. 

If you do end up receiving a paper check, you can deposit the check using Mobile Check Deposit, at an ATM, or at one of our Pen Air LIVE machines. Click here to find a Pen Air location nearest you.

Please remember to visit the IRS website for information related to the economic impact payments.

April 2, 2020 – New Hours as of Monday, April 6 Opened EntryClosed Entry

With service as one of our core values, we’re diligently working to ensure you’re receiving the best possible member experience. With your needs in mind, Pen Air’s operational hours will change on April 6, 2020.

Our Member Service Center and Pen Air LIVE Drive Thru lanes will be open from 7:00 am to 7:00 pm Monday through Friday and 9:00 am to 2:00 pm on Saturday.

Pen Air LIVE Machines are available at the following locations:

Milton (Drive-thru) 5056 Dogwood Drive
Foley (Drive-thru) 1301 S. McKenzie Street
Nine Mile (Walk-up) 1495 E. Nine Mile Road
Century (Drive-thru) 8460 N. Century Blvd
Saufley (Drive-thru) 4523 Saufley Field Road
Woodbine (Drive-thru) 5639 Woodbine Rd
Airport Blvd. (Drive-thru) 1289 Airport Blvd
9th Avenue (Drive-thru) 6611 North Ninth Avenue
Eastern Shore (Drive-thru) 10010 Eastern Shore Blvd
Gulf Breeze (Walk-up) 312 Gulf Breeze Pkwy
Gulf Breeze (Drive-thru) 3591 Gulf Breeze Parkway
Garden St. (Drive-thru) 220 West Garden Street
Car City (Drive-thru) 6390 Pensacola Blvd (NEW Location)

Traditional Drive Thru lanes will be open from 8:30 am to 5:30 pm Monday through Friday and 9:00 am to 2:00 pm on Saturday.

Traditional Drive Thru lanes are available at these locations:

Corry, 9 Mile, Pace and Robertsdale

Lobbies are open by appointment only. Please call us at 850.505.3200 to schedule an appointment anytime Monday through Friday from 9:00 am to 5:00pm.

March 31, 2020 – How to Make the Most of a Reduced Paycheck Opened EntryClosed Entry

Today’s updates:

The impact of the COVID-19 virus has hit our community hard and many are being forced to live on a reduced paycheck. By adopting the right tools and attitude, you can make the most of a reduced paycheck and not just survive but thrive.

Determine whether your situation is temporary or permanent
If you fully expect to be back to your full salary soon, you may only have to adjust to lessened cash flow for a limited time. But before you tap into your reserves (and retirement savings, home equity, cash value life insurance, etc.) it would be wise to behave as if the salary reduction is long-term. Cut down on spending now. Securing your old income may take longer than you think.

If you do not expect to make as much money as you once did, you may be experiencing anxiety, which is normal. You may be panicking about the practical matters to contend with as well, such as how you will pay your bills. Adopting a systematic approach and devising a plan will help you manage the anxiety.

Recognize that your salary is not you
This is a deceptively obvious statement. Of course, your salary is not you. But many people’s self-esteem directly corresponds with how much money they make—the higher the income, the more important they feel. If your mood declines when your income drops, make every effort to dispel the attitude that financial wealth equals worth. It does not, nor does having an abundance of money guarantee happiness. Think back to when you were making more money than you do now. Were you genuinely happier, or did you just have the ability to buy more?

Seize the day
Hardship can hone skills and challenge entrenched ideas. Perhaps you worked in the high-tech field because the money was good, but that is not where your passion (or even perhaps talent) truly is. Consider this your opportunity to discover what you really want out of life. After all, if you are going to dedicate forty or more hours a week to your job, it should be something you love. Or at least like.

If you are currently unemployed or are working fewer hours, use this “extra” time wisely. Your options are as varied and abundant as your desires. Consider taking a class—one that will boost future earning potential or for pure pleasure. Write that book, paint the kitchen, start an exercise routine. Or just relax.

Analyze your expenses
When cash is copious, it is easy to spend arbitrarily. However, when the salary that sustained such a lifestyle is gone or drastically reduced, it’s time to take a good look at what you need to spend your money on, not what you can. Prioritize expenses now, and identify which bills take precedence. Mortgage versus car payment? Credit cards versus utilities? Analyze the ramifications of missing or not paying each. If you need help deciding, contact Pen Air for help.

Develop a spending plan. It will help you to discern between those expenses you can and cannot live without. If you find there is simply not enough money to support your necessities, much less your desires, at the very least you now know how much you will require from your next job. If expensive dinners are now a thing of the past, relish in the delights of a cheap pizza, or making cold cuts stretch with lots of lettuce. Enjoy and appreciate the things you may have begun to take for granted.

Remember: credit is not supplementary income
When money is tight, credit cards can take on an unusually seductive glow. However, a $40,000 line of credit is not a bonus in disguise, no matter how you much you wish it was. If you use credit to maintain the lifestyle you’ve grown accustomed to, it won’t be long before you “hit the wall”. Without an income to support repaying the balance in full every month, you’ll be paying in installments. Interest rates on unsecured credit is not cheap, and if you fall behind by 60 days, the rates will likely skyrocket. Late and over limit fees will add to an increasingly daunting balance. And soon you’ll be wishing you could return all the merchandise you bought and the meals you ate just so you don’t have to open another statement and look at those big, scary numbers. Credit cards are not designed to be emergency savings accounts.

Develop a plan
To thwart procrastination, write down what you want to achieve during this time. Be specific: include names of people you need to speak to and proposed accomplishment dates for each task. Update and refer to it regularly. Apathy’s enemy is a detailed and well-thought-out plan.

Go forward
Get professional assistance, talk to friends, and find others who are in like circumstances. It is too easy to think you are alone in this—support is key. Vent to those who can empathize; ask for help from those who can assist. Shock, shame, and anger are normal and feeling these emotions is expected. But by adopting a positive attitude and taking pragmatic steps, you can adapt to a reduced income, and achieve a financially stable future.

This content and access to our Financial First Aid booklet is provided by our partners at Balance . Access more educational tools and resources at penair.org/Balance.

March 27, 2020 – Scams and Fraud, Part II Opened EntryClosed Entry

Today’s updates:

Once again our friends from the Federal Trade Commission (FTC) have some very insightful information we’d like to share with you.

Avoid Coronavirus Scams – Part Two

We shared with you on Wednesday some initial scam information relative to COVID-19 (Coronavirus). Today we have some additional information from our friends at the Federal Trade Commission (FTC). Scammers don’t take a break so let’s do our part to protect ourselves and our personal information.

Undelivered goods

Online sellers claim they have in-demand products, like cleaning, household, and health and medical supplies. You place an order, but you never get your shipment. Anyone can set up shop online under almost any name — including scammers.

What to do: Check out the seller by searching online for the person or company’s name, phone number and email address, plus words like “review,” “complaint” or “scam.” If everything checks out, pay by credit card and keep a record of your transaction. If you’re concerned about the pricing of products in your area, contact your state consumer protection officials. For a complete list of state Attorneys General, visit naag.org.

 Fake charities

When a major health event — like the Coronavirus — happens, you might be looking for ways to help. Scammers use the same events to take advantage of your generosity. Some scammers use names that sound a lot like the names of real charities. This is one reason it pays to do some research before giving. Money lost to bogus charities means less donations to help those in need.

What to do: Use these organizations to help you research charities. When you give, pay safely by credit card — never by gift card or wire transfer.

 Fake emails, texts and phishing

Scammers use fake emails or texts to get you to share valuable personal information — like account numbers, Social Security numbers, or your login IDs and passwords. They use your information to steal your money, your identity, or both. They also use phishing emails to get access to your computer or network. If you click on a link, they can install ransomware or other programs that can lock you out of your data. Scammers often use familiar company names or pretend to be someone you know. Here’s a real-world example of a scam where phishers pretend to be the World Health Organization (WHO).

A fake email has the logo of the World Health Organization on it. (Sophos Ltd.)

Safety Measures from the World Health Organization. Get the latest updates from Pen Air

Other scammers have used real information to infect computers with malware. For example, malicious websites used the real Johns Hopkins University interactive dashboard of Coronavirus infections and deaths to spread password-stealing malware.

What to do: Protect your computer by keeping your software up to date and by using security software, your cell phone by setting software to update automatically, your accounts by using multi-factor authentication, and your data by backing it up.

Robocalls

Scammers are using illegal robocalls to pitch everything from scam Coronavirus treatments to work-at-home schemes.

What to do: Hang up. Don’t press any numbers. The recording might say that pressing a number will let you speak to a live operator or remove you from their call list, but it might lead to more robocalls, instead.

 Misinformation and rumors

Scammers, and sometimes well-meaning people, share information that hasn’t been verified.

What to do: Before you pass on any messages, and certainly before you pay someone or share your personal information, do some fact checking by contacting trusted sources. For information related to the Coronavirus, visit What the U.S. Government is Doing. There you’ll find links to federal, state and local government agencies.

 To learn more, visit:

Want more information on the latest scams we’re seeing? Sign up for our consumer alerts. If you come across any scams or suspicious claims, report them to the FTC at ftc.gov/complaint.

Our next communication will be on Tuesday, March 31.

March 25, 2020 – Scams and Fraud, Part I Opened EntryClosed Entry

Today’s Updates:

Although our day-to-day lives have been somewhat turned upside down, the mission at Pen Air FCU remains the same; Enhancing Lives through Exceptional Service, Strength, and Financial Solutions.

As we continue to mitigate these uncharted waters, know that Pen Air is here for you, and we’ll get through this together.

In today’s update, we’d like to educate you on some potential scams related to the Coronavirus. Below is some wonderful information from our friends at the Federal Trade Commission (FTC) on this topic.

Avoid Coronavirus Scams – Part One

Here are some tips to help you keep the scammers at bay:

  • Hang up on robocalls. Don’t press any numbers. Scammers are using illegal robocalls to pitch everything from scam Coronavirus treatments to work-at-home schemes. The recording might say that pressing a number will let you speak to a live operator or remove you from their call list, but it might lead to more robocalls, instead.
  • Fact-check information. Scammers, and sometimes well-meaning people, share information that hasn’t been verified. Before you pass on any messages, contact trusted sources. Visit What the U.S. Government is Doing for links to federal, state and local government agencies.
  • Know who you’re buying from. Online sellers may claim to have in-demand products, like cleaning, household, and health and medical supplies when, in fact, they don’t.
  • Don’t respond to texts and emails about checks from the government. The details are still being worked out. Anyone who tells you they can get you the money now is a scammer.
  • Don’t click on links from sources you don’t know. They could download viruses onto your computer or device.
  • Watch for emails claiming to be from the Centers for Disease Control and Prevention (CDC) or experts saying they have information about the virus. For the most up-to-date information about the Coronavirus, visit the Centers for Disease Control and Prevention (CDC) and the World Health Organization (WHO).
  • Ignore online offers for vaccinations. There currently are no vaccines, pills, potions, lotions, lozenges or other prescription or over-the-counter products available to treat or cure Coronavirus disease 2019 (COVID-19) — online or in stores.
  • Do your homework when it comes to donations, whether through charities or crowdfunding sites. Don’t let anyone rush you into making a donation. If someone wants donations in cash, by gift card, or by wiring money, don’t do it.

Our next Update will be on Friday, March 27, 2020.

March 23, 2020 – Emergency Relief Options Opened EntryClosed Entry

Today’s Updates:

As we navigate the challenges presented to all of us as a result of COVID-19 Pen Air is here for you, providing solutions for you and your family. We know that some of you are being impacted financially as a result of COVID-19 and we’re here to help.

Emergency Relief Options
We have three emergency relief options available to members during the current health threat.

  • Loan Deferments
  • Small Business Loans
  • Emergency Relief Loan

Loan Deferments
Loan deferment options are available for those members who have been financially impacted by COVID-19. Call 850.505.3200 and ask for the Credit Resolution Department at ext: 7250.

Small Business Loans
Small Business Development Center has Federal Disaster Loans available for small businesses in both Alabama and Florida.

On Monday, March 16, 2020, Governor DeSantis announced the activation of the Florida Small Business Emergency Bridge Loan Program.

  • This program is available to small business owners in Florida that experienced economic damage as a result of the COVID-19 outbreak.
  • Loans are available up to $50,000 per eligible small business. Loans of up to $100,000 may be made in special cases.
  • Term is one year.
  • Interest-free for one year. 12% annually on any unpaid balance thereafter.
  • For-profit employers with 2-100 employees that maintain a place of business in Florida and can show financial harm due to the COVID-19 outbreak.
  • Application deadline is CLOSED. Funds have all been allocated by the government as of Friday, April 10, 2020.
  • Learn more by visiting floridadisasterloan.org

Emergency Relief Loan
Being there for our members is our top priority. Members who have been financially impacted by COVID-19 are eligible for a 0% APR loan with re-payment terms up to 12 months*.  Apply today.

Thank you for your continued patience, flexibility, and for being a loyal Pen Air Member. We are with you every step of the way.

©2020 Pen Air Federal Credit Union. NMLS#413053. APR=Annual Percentage Rate. *Terms and conditions subject to change without notice. Must be a Pen Air FCU member as of 3/11/2020 and 18 years of age or older. Maximum loan amount is $4,000. A $4,000 loan with an APR of 0% for 12 months will have an estimated monthly payment of $333.34. Subject to credit approval.

March 21, 2020 – Updated Hours / Financial Needs Solutions Chart Opened EntryClosed Entry

Today’s Updates:

As you know, we made the decision to close all our lobby locations starting Monday, March 23, 2020, while keeping our Drive Thru and Pen Air LIVE Drive Thru locations open. Today we have made the decision to extend our hours of operation.

Effective Monday, March 23, 2020 hours of operation are as follows:

Monday- Friday 7am – 8pm
Saturday 9am – 2pm

We imagine you have many questions about how you can conduct your financial business during this time. Please know that Pen Air is committed to providing exceptional service during this unprecedented and often changing time, while strictly following the guidelines of local and state government, the Centers for Disease Control (CDC), and the World Health Organization (WHO) to ensure your safety and the safety of our staff.

Rest assured that any direct deposits we receive from issuers will be processed and posted to your account. We also want to remind you that your money is federally insured. Learn more by visiting the NCUA.

The chart below contains some of the most common financial needs you may have, along with where you can access solutions for them as we work through this current health threat.

We are here for you during this difficult time with solutions to meet your financial needs.
Thank you for your continued patience, flexibility, and for being a loyal Pen Air Member. We are with you every step of the way. Our next Member Update will be on Monday, March 23, 2020.

March 18, 2020 – Branch Lobbies Closing Opened EntryClosed Entry

Today’s Updates:

You can trust that Pen Air is doing its part to closely monitor the emerging COVID-19 (Coronavirus) public health threat in our area and taking precautions to ensure the utmost safety for our staff, our members, and our community. There is a large amount of information about the virus available at cdc.gov/COVID19 and also the Florida Department of Health has launched a dashboard available here.

We are implementing plans for staff who can work from home to do so in order for us to provide exceptional service to you and our coworkers.

Effective Monday, March 23, 2020all Pen Air branch lobbies will be closed; however, all drive-thru and Pen Air Live drive-thru locations will remain open during their normal business hours.

We have also made decisions on the following upcoming events:

  • The 20th Annual Friends of the Navy-Marine Corps Relief Society Golf Tournament, scheduled for March 27th, has been cancelled. All funds collected will be donated to the Navy-Marine Corps Relief Society at a later date.
  • The Annual Meeting, scheduled for April 23rd, has been postponed until further notice.

If you require a face-to-face meeting, please call our Member Service Center at 850.505.3200 or Toll-Free 877.473.6247 to schedule an appointment. Our Member Service Center is available Monday-Friday 7am-6pm and Saturday 9am-2pm.

Where can I go for my banking needs? Drive-Thru's, ATMs, Pen Air Live Machines, Download our Mobile App today
Our plan is to provide updates every 2-3 days, or sooner if necessary. For a complete list of branch locations and hours of operation please visit penair.org/Locations.

Now you’re probably wondering “Where do I go for my banking needs?” Well we’ve created this infographic to help you with some of the most frequent service needs.

If you are not utilizing our Online Banking or Mobile Banking products, please visit penair.org/Access to learn more about how you can bank from the safety of your home.

We’ll get through this together. Please know that Pen Air is here to ensure the safety and security of our staff, members, and your finances during this time. Thank you for being a valued Pen Air member.

March 13, 2020 – COVID-19: What Steps We Are Taking Opened EntryClosed Entry

Today’s Updates:

We are closely monitoring and following the recommendations from the Center of Disease Control (CDC) to help stop the spreading of COVID-19 amongst our staff and members.

Here Are Some Steps We’re Taking

With the recent announcement of a case in Santa Rosa, we felt it was important to make you aware of what we are doing to help reduce the threat and spreading of COVID-19.

  • We’ve incorporated an enhanced cleaning process of all our locations and asked our cleaning team to provide more extensive cleanings – specifically on hard and frequently touched surfaces.
  • We’ve placed hand sanitizer stations at each of our locations so that you can utilize these stations when entering and exiting our buildings.
  • We are reviewing our pandemic plan to ensure there are no needed changes and to determine the triggers that would cause us to implement these plans.

Here Are Some Steps You Can Take

We know that keeping your financial resources flowing are important to you. In the event you are impacted by a quarantine, are uncomfortable going to public places, or we end up having to consolidate our services to a few locations and our employees can’t get to work, here are some things to consider:

  • If you don’t have direct deposit set up, consider doing that right away.
  • If you’re not an online banking user, please consider getting that set up as well.  Any of our locations or our member service center are available to help you. You’ll be able to check your balances, transfer funds, pay your bills and many other items from the comfort of your home. Learn more by visiting penair.org/Access.
  • If you haven’t done so already, download our Mobile App. In addition to the things you can do through online banking, through the app you can deposit a check using your phone’s camera.
  • Have you tried one of our Pen Air Live machines?  Most of our locations have the Live machines in their drive-up lanes.  Personal service by one of our representatives is available from 7am-7pm Monday thru Friday and 9am-1pm on Saturday all from the convenience of your vehicle. Pretty much any transaction you do at a teller line you can do at a Live machine. They also function as an ATM 24/7. You can learn more by visiting penair.org/Live.

Here Are Some Wellness Tips

  • Wash your hands with soap and water frequently, for 20 seconds or more.
  • Avoid touching your face, eyes, ears, mouth, and nose.
  • Practice social distance by maintaining a 6’-8’ distance between you and anyone coughing or sneezing.
  • Sneeze or cough into your elbow or a tissue and then wash your hands immediately.
  • Drink plenty of water, eat a healthy and nutritious diet, get plenty of rest, exercise, and try and reduce your stress.

In the meantime, please know that we will be here for you through this current health situation, a weather event, or any other situation that might come your way.

Pen Air will continue to keep you updated through our social media channels and our website so if you are not following us on Facebook, Instagram, Twitter, or LinkedIn please do.

Hopefully this situation will soon be behind us but taking these steps to have access to your accounts with Pen Air through our various digital channels will give you the best flexibility regardless of the situation.