Checking & Savings Assistance

No, your re-issued card will keep the same number as your expired card. The expiration date will be different and may need to be updated with any merchants you have stored or have set up for automatic payments.

No.

• Contactless PenAir Credit Cards began being issued in March 2021.
• Contactless PenAir Debit Cards began being issued in June 2021.

Yes! Your card comes embedded with a small chip that ensures your payment information is securely transferred without ever leaving your hands. Each transaction has a unique identifier to ensure your actual Credit or Debit Card numbers and personal information are never shared with merchants, transmitted with payment or stored on Digital Wallet servers.

No, the technology will not work until the card is removed from your wallet or purse and held 1-3 inches from the terminal.

No, the card needs to be 1-3 inches from the terminal in order to work. Proximity greater than 1-3 inches to other terminals will not interfere with your transaction.

Visit Mastercard.com.

1. Select Mastercard® for You
2. Hover over ways to pay and click on Contactless.

The page will lead you to find contactless checkout locations.

Simply tap to pay anywhere you see the contactless symbol at checkout.

Yes, the cards will continue to function properly for both contact and contactless options.

There is no change in dollar limits, they are merchant driven.

The tap transaction takes approximately 2 seconds to complete.

Yes, you will use the card information to make purchases Online, as usual.

If a vendor requires the card used during the original transaction to transfer return funds back to your card, you will swipe the magnetic stripe or insert the EMV chip as normal.

Yes.

When you place your card within a few inches of a contactless-enabled payment terminal, your payment information is transferred.

A seamless member experience with faster and safer way to pay. Whether you tap, swipe, dip or use a mobile wallet, we put you in control.

The security and efficiency aspects of contactless payment make it the most beneficial transaction type for members.

1. It’s like having exact change wherever you go, so you don’t have to worry about carrying around cash.
2. You’re in control since your contactless-enabled card or device never leaves your hand at checkout.
3. You receive better record-keeping of all your purchases than you do with cash.
4. It’s fast and ideal at places where speed is essential, like fast food restaurants, gas stations and more.

A Credit or Debit Card with a small embedded chip that emits short-range radio waves.

You can continually deposit money to an add-on Certificate Account. Unlike a traditional Certificate, you’re able to add money to an Add-On Certificate before the Certificate matures. If you don’t have a large deposit to make upfront, you can continuously deposit money. This add-on Certificate feature could make it useful as part of a long-term savings strategy.

When a Certificate Account matures, you can get your money back without having to pay any early withdrawal penalties. The Certificate term has ended, so there are no bank-imposed withdrawal restrictions at maturity. You can do what you want with the money, but if you buy another Certificate, you won’t get the same interest rate.

When a depositor purchases a Certificate, they agree to leave a certain amount of money on deposit at a financial institution for a certain period of time, such as one year. In exchange, the institution agrees to pay them a predetermined interest rate and guarantees the repayment of their principal at the end of the term.

• If your card is damaged, it may not work properly so you should request a replacement which will arrive within 7-10 business days. Your card number will remain the same, but there will be a new expiration date. Remember, your current card will remain active until you activate your replacement card.
• You should also replace your card if it’s been lost or stolen. If that happens, you can easily prevent fraudulent use by using Card Management inside Digital Banking to report the card as lost or stolen.
• We provide instant-issued, contactless Mastercard® Debit Cards at all of our locations – at no charge. Not having to wait for your Debit Card to arrive in the mail is safer, provides immediate purchasing power, and saves you time.

Most Digital Wallets can be used wherever contactless payments are accepted. Be sure to look for your preferred Digital Wallet’s logo or symbol before check-out while in-store or on your favorite apps and websites. Find out more about where each individual wallet is accepted by visiting their websites:

• Apple Pay^®
• Google Pay™
• Samsung Pay^®

Your card limits are set on your account automatically. However if you’re trying to stick to a budget, you can lower the limit through card management inside your Digital Banking.

Yes – PenAir Debit Cards provide the security of carrying less cash and 24/7 fraud monitoring while adding features that make it easy to spend and manage your money. Register for Digital Banking and set up Debit Card alerts to keep track of your card activity anytime, anywhere! You’ll be able to monitor real-time activity and spot suspicious transactions sooner. Our Cards offer both EMV chip and Contactless technology where each transaction has a unique identifier, just like your individual fingerprint. This keeps sensitive data, like your personal information (card number, expiration date, or security code) from being transmitted when you pay with your PenAir card.

Visit your preferred Digital Wallet website for more details on installation, compatibility, how to use, rewards, and much more.

• Apple Pay
• Google Pay
• Samsung Pay

Give us a call at 850.505.3200, if you need assistance uploading or using your PenAir Mastercard on your Digital Wallet.

At check-out, look for your Wallet’s unique symbol among your payment options. Your payment information will be input automatically and you can proceed with your purchase without fumbling for your cards!

If your device is enabled for “Tap & Pay,” simply unlock your screen and hold the back of the device over the payment terminal. You will then receive notification that your payment was accepted and your transaction will be complete. It’s as simple as that!

Of course! You'll get all the benefits and protections that your Credit or Debit Card provides. If you currently earn rewards on purchases on your PenAir Credit Cards, you'll continue to earn them for purchases made with the Wallet of your choice.

You will need to add the card using manual entry.

Any PenAir Credit, Debit, or Business Mastercard® can be uploaded into your Digital Wallet app.

No, there is no fee to use any of the participating Digital Wallets. However, message and data rates apply, depending on your data plan.

Each Digital Wallet provides innovative security features - your physical card number is not stored on your phone and only your fingerprint, signature, or phone passcode can authorize a payment. If your device is ever lost or stolen, please call the number on the back of your card. As always, you don't have to pay for any unauthorized charges made on your PenAir Debit or Credit Card.

Most Digital Wallets can be used wherever contactless payments are accepted. Be sure to look for your preferred Digital Wallet’s logo or symbol before check-out while in-store or on your favorite apps and websites. Find out more about where each individual wallet is accepted by visiting their websites:

• Apple Pay^®
• Google Pay™
• Samsung Pay^®

If setting up a U.S. Government Deposit, simply go to fiscal.treasury.gov/GoDirect to enroll.

After initial setup, Direct Deposits usually take up to two pay cycles to "kick in". However, it’s different for each employer. (Please check directly with your employer for specific timing.)

Not to worry! If no checks are available, you can sign into Digital Banking to enroll.

• Find the Direct Deposit form under Secure Forms tab.
• In the drop-down menu, select the account you want your money to go in.
• Print the pre-filled "check" to submit to your employer.

TADA! You're all set.

1. Complete the Direct Deposit form.
2. Deliver the form and a voided check to your employer. *If you’re eligible, your employer will deposit your paycheck directly into your account.
3. Confirm the deposit each pay cycle by logging into Digital Banking.
   • *You can also set up an alert to text or email you when deposits to your account are made. Learn more about alerts under Money Management.