Branch Closures

In observance of Veterans Day, all PenAir locations, including LIVE Teller drive-thrus, will be closed on Wednesday, November 11. If you need quick cash over any holiday, remember our ATMs and Digital Banking services are available 24/7 for transactions.

Branch Closures

In observance of Veterans Day, all PenAir locations, including LIVE Teller drive-thrus, will be closed on Wednesday, November 11. If you need quick cash over any holiday, remember our ATMs and Digital Banking services are available 24/7 for transactions.

Routing Number: 263281695

Schedule an appointment

Do you want an in-person or virtual appointment?

In-Branch Appointment

Jump the queue and set aside time to address your financial priorities.

Book in-branch appointment

Virtual Appointment

Save the drive and meet with PenAir via phone or video.

Book virtual appointment

Specialty Appointments

For Wealth, Financial Counseling, and Mortgage Lending appointments, please follow the steps below.

Wealth Management

For help with retirement, rollovers, and portfolio management, call 850-505-3200 ext. 8332 to meet with a licensed Wealth Manager.

Financial Counseling

For help with your finances, schedule an appointment with a Financial Counselor.
Meet with a Financial Counselor

Mortgage Lending

For all Mortgage appointments, please call 850-505-3200 ext. 8360 or email the Mortgage Department.

Digital Banking

Routing Number: 263281695

Schedule an appointment

Do you want an in-person or virtual appointment?

In-Branch Appointment

Jump the queue and set aside time to address your financial priorities.

Book in-branch appointment

Virtual Appointment

Save the drive and meet with PenAir via phone or video.

Book virtual appointment

Specialty Appointments

For Wealth, Financial Counseling, and Mortgage Lending appointments, please follow the steps below.

Wealth Management

For help with retirement, rollovers, and portfolio management, call 850-505-3200 ext. 8332 to meet with a licensed Wealth Manager.

Financial Counseling

For help with your finances, schedule an appointment with a Financial Counselor.
Meet with a Financial Counselor

Mortgage Lending

For all Mortgage appointments, please call 850-505-3200 ext. 8360 or email the Mortgage Department.

< Return to Help

When can I withdraw money from my Roth IRA?

In general, you can withdraw your Roth IRA contributions at any time. But you can only pull the earnings out of a Roth IRA after age 59 1/2 and after owning the account for at least five years. Withdrawing that money earlier can trigger taxes and a 10% early withdrawal penalty.