Help > Digital Banking Assistance

Digital Banking Assistance

Pay Bills

No, the hide payee feature is not currently available in the Send Money system.
If your payee is paid electronically, the mailing address of the payee will not be displayed.
Stop payments can be placed on paper checks in Digital Banking under the Secure Forms tab and selecting Stop Payment. You may also call 850.505.3200 or a visit any PenAir location.
Check copies are available after the payee presents the check for payment and it clears successfully. You can review check images in your account history in Digital Banking.
If any of the payee’s information changed between the time you originally set up the payment and our enhancement to the system, it may have caused the payment to be sent as a check rather than electronically. To resolve this, you can re-enter the payee information using a recent statement to ensure that it is current and accurate.
Some payees may need additional information to complete a payment. If any payees are highlighted with yellow and tagged with “update biller,” we will need additional or updated information on this payee. Simply use your monthly statement or invoice from this payee to complete the necessary information.

Send Money

Send Money only supports browsers that meet the following feature requirements:
  • The browser must be configured to accept cookies
  • The browser must be configured to execute JavaScript
  • The browser must be capable of 256-bit SSL encryption
Send Money supports the following browsers:
  • For Windows OS: Edge and the latest versions of Google Chrome and Mozilla Firefox.
  • For Mac OS x and iPad: The latest versions of Apple Safari and Google Chrome.
  • For Android OS: The latest version of Google Chrome.
The Send Money feature allows you to pay your bills, pay a person, and transfer money to external account in one convenient location inside Digital Banking, offering a simpler and smarter payment experience! Ways to Send Money: 
  • Enjoy an easier, more simplistic design that lets you pay your bills when and how you want to!
  • Easily transfer money between your PenAir Account and outside financial institutions, fee-free!
  • Make fast and free payments to people you know through Digital Banking. Splitting the check at a restaurant? Need to pay your sitter? Send them money directly, fee-free. No need for other apps!
How to Videos

Pay a Person

Log into Digital Banking and select “Send Money”. There will be a notification instructing you to verify your micro deposits. Then follow the steps provided.
If you bank with a well-known financial institution, you can set up account transfers instantly by providing your digital banking credentials when asked. If you are unable to locate your financial institution, simply add the external account and complete the micro deposit process.
When using Pay a Person, you will set up a security question and answer for your recipient to answer the first time you perform a transaction together. The answer to the security question is space sensitive. For example: if you write “NewYork” without spaces and the recipient writes “New York” with spaces, the security question would be invalid. A limited number of attempts are available before the transaction is cancelled automatically, so be sure to communicate directly with your intended recipient.
Yes! The feature used to transfer money to outside financial institutions is known as “Transfer Money” under the Send Money menu. You can set up account transfers instantly by providing your bank credentials when prompted inside Digital Banking.
Yes! The feature used to send money to another person is known as “Pay a Person” under the Send Money menu. You can send money (fee-free) to anyone with a bank account in the United States.
External transfers allow you to transfer funds between accounts you own at other financial institutions.
Pay a Person is a free service that allows you to pay anyone in the United States with a bank account. All you need is their email address or mobile phone number to get started.

Mobile Check Deposit

No, Mobile Check Deposit is a free service for all consumer accounts.
If you are within the Mobile Check Deposit section of Digital Banking, you can select “Help” or “?” as you begin the transaction and you will see information specific to the page you are on. You can also call 850.505.3200.
Mobile Check Deposit is designed as an easy-to-use, self-service product with built in “Help”. Select “Help” on each line of the process for a detailed explanation, helpful hints and a short video explanation of each process step.
Twenty (20) minutes. The Mobile Check Deposit session will timeout after twenty minutes of inactivity. There is a session timeout clock displayed on the top right corner of the screen. During the last five minutes of the session, the clock time will appear in red. Every time the page is changed, the clock refreshes.
Deposit history is available for viewing online for 18 months. For deposit history older than 18 months, you can contact our Member Service Center at 850.505.3200.
No. The check hold policy is the same as defined in the Funds Availability Disclosure.
Deposits received before 4:00 pm Central Standard Time (CST) will be credited to your account on the same business day. Deposits received after 4:00 pm CST will be credited to your account on the next business day. Business days are Monday through Friday. Deposits made on holidays or over the weekend (after 4:00 pm CST Fridays or on Saturdays and Sundays) will be processed the next business day.
Up to 999 checks can be included in one deposit and multiple deposits can be submitted as long as the accumulated dollar amount of the deposit(s) does not exceed the daily deposit limit.
Yes, default deposit limits are set as follows and are subject to review and change based on members qualifications and relationship with PenAir.
  • Per check limit – $2,000.00
  • Daily deposit limit – $5,000.00
  • Rolling 30 day deposit limit – $5,000.00
Deposits can be made to your PenAir Savings, Secondary Savings, Share Draft Checking, Money Market, or Christmas Club account.
  1. Login from Digital Banking, then select the “Mobile Check Deposit” icon.
  2. Select the account into which you wish to make a deposit then click “Submit.”
  3. The check must be endorsed in ONE of the following ways:
    • Your Signature and the Account Number OR
    • For Deposit Only and Account Number
  4. Select your scanner (the first time you use the service you will be prompted to install a scanner control, you will only need to do this once.)
  5. Enter the total deposit amount of your check(s).
  6. Scan the front and back of your check(s).
  7. Review and submit your deposit.
Yes, the following will be considered for consumer accounts:
  • Must have a valid email address (can NOT be blank)
  • Must have a valid physical address.
  • Can not be over the Overdraft Protection limit.
  • Must have a share balance greater than or equal to $5 in primary share savings.
  • Must be eligible for Courtesy Pay.
  • Can not have a Courtesy Pay loan.
  • Any return deposited items within the last 90 days will require a review.
  • No collection status on loan or account (PAFCU charge off’s, past due/delinquent accounts).
  • Account type can not e be rep payee or estate.
Tips and tricks for taking quality photos using your Android and iPhone.
  • Lighting Conditions: Bright but indirect light is best. Placing the check too close to lighting sources may cause shadows.
  • Background surface: Any surface of a solid color that contrasts with the check is best. Use a dark-color surface for light checks; a light-color surface for dark checks.
  • Document Zooming: Make sure that the bottom of the check is aligned with the base guideline on the camera when taking the picture.
  • Image Size: Use the green guidelines to properly zoom and scale. Make sure the entire check appears in the guidelines and fills the space as much as possible.
Mobile Check Deposit is a secure service offered by PenAir. Using your scanner and computer or any mobile device, it allows you to scan and electronically deposit checks to your PenAir account through Digital Banking.
  • If you click on the Deposit History Tab at the top right corner of the page, a listing of your scanned deposits will be displayed.
  • If you click on the icon, you can view the deposit details along with a copy of the items included in that deposit. If you click on the icon, you can download a copy of the deposit and print it or save it to a file on your computer for your records.
You must securely store each original check(s) for a period of ninety (90) days after transmission to us. After such period expires, you should securely destroy the original check. You understand and agree that you are responsible for any loss caused by your failure to secure the original check within the 90-day time period.
No, Mobile Check Deposit generates an electronic record with each deposit.
Acceptable checks:
  • Single-party, domestic checks made payable to the owner(s) of the PenAir account.
Unacceptable checks:
  • Any item drawn on your account or your affiliate’s account
  • Any item that is stamped with a “non-negotiable” watermark
  • Any item that contains evidence of alteration to the information on the check
  • Any item that is incomplete
  • Any item that is “stale dated” or “post dated”
Savings Bonds
  • Any third party check, i.e., any item that is made payable to another party and then endorsed to you by such party.
Digital Banking App:
  • To register, log into your PenAir Digital Banking App and touch the Check Deposit icon at the bottom. First time users must read and accept the User Agreement. Once the agreement has been accepted and if all eligibility requirements are met, access to Mobile Check Deposit is automatically granted.
  • If eligibility requirements are not met, an “Access Denied” message will appear. Please contact us at 850.505.3200 for more information.
Digital Banking Through A Computer/Browser:
  • To register, go to penair.org, log into your Digital Banking account, select the Additional Services tab and click on the Check Deposit link. First time users must read and accept the User Agreement. Once the agreement has been accepted and if all eligibilty requirements are met, access to Mobile Check Deposit is automatically granted.
  • If eligibility requirements are not met, an “Access Denied” message will appear. Please contact us at 850.505.3200 for more information.
Mobile Check Deposit uses the TWAIN specification for communicating with scanners. Most scanner software supports the TWAIN specification, but not all. For the latest information for specific scanners, enter Mobile Check Deposit and click “Help with Scanners and Drivers” near the bottom of the New Deposit screen or consult with your scanner manufacturer for information on their support for TWAIN on your device.
At this time, the only supported platforms are Android and iPhone.
  • Lighting Conditions: Bright but indirect light is best. Placing the check too close to lighting sources may cause shadows.
  • Background surface: Any surface of a solid color that contrasts with the check is best. Use a dark-color surface for light checks; a light-color surface for dark checks.
  • Document Zooming: Make sure that the bottom of the check is aligned with the base guideline on the camera when taking the picture.
  • Image Size: Use the green guidelines to properly zoom and scale. Make sure the entire check appears in the guidelines and fills the space as much as possible.

Mobile Banking

Contact Us: Your privacy is our top priority, and we are committed to facilitating this process for you.  Please note that even after your profile is deleted, certain data associated with your Digital Banking account may be retained for purposes such as fraud prevention, security, and compliance. If you wish to remove or delete your Digital Banking access, please call Pen Air Member Services directly. This is the only way to ensure the process is handled securely and efficiently. Our Member Services team can be reached at 850.505.3200, Option 2. This action will disable your Digital Banking access to your accounts but will not close or delete your actual bank accounts. What to Expect:
  • Verification: When you call Member Services, be prepared to verify your identity for security purposes. This might include answering security questions or providing personal information to confirm your identity.
  • Reactivation: If you decide to reactivate your Digital Banking in the future, simply re-enroll through the online registration process.
  • Access to Accounts: You will still have full access to your accounts through other means, such as visiting a branch, using ATMs, or calling Member Services.
Any PenAir Credit, Debit, or Business Mastercard® can be uploaded into your Digital Wallet app.

Online Banking

Contact Us: Your privacy is our top priority, and we are committed to facilitating this process for you.  Please note that even after your profile is deleted, certain data associated with your Digital Banking account may be retained for purposes such as fraud prevention, security, and compliance. If you wish to remove or delete your Digital Banking access, please call Pen Air Member Services directly. This is the only way to ensure the process is handled securely and efficiently. Our Member Services team can be reached at 850.505.3200, Option 2. This action will disable your Digital Banking access to your accounts but will not close or delete your actual bank accounts. What to Expect:
  • Verification: When you call Member Services, be prepared to verify your identity for security purposes. This might include answering security questions or providing personal information to confirm your identity.
  • Reactivation: If you decide to reactivate your Digital Banking in the future, simply re-enroll through the online registration process.
  • Access to Accounts: You will still have full access to your accounts through other means, such as visiting a branch, using ATMs, or calling Member Services.
To use this feature, you must be a member of PenAir Credit Union. Click here to learn how you can become a member today.

To change your password, log into your Digital Banking account, click on the My Settings link in the top right hand corner of the page. Scroll down to the Login & Security section to update your password.
To change your username, log into your Digital Banking account, click on the My Settings link in the top right hand corner of the page. Scroll down to the Login & Security section to update your username.
After logging in successfully with your username and password, you may be prompted to verify a one-time passcode. This is part of a multi-factor authentication process that is used to authenticate any unrecognized devices. One-time passcodes can be received as a voice call, text message, or email. You will be required to repeat the verification process for each device used to access your Digital Banking.
For security reasons, Digital Banking will lock your account access after 3 unsuccessful login attempts. If you have been locked out, you can use the “Forgot Password” link to reset your password. You can also contact us at 850.505.3200 to have your password reset.
  1. To receive a temporary password, click on the Forgot Password link inside the login box. Enter in the phone number associated with your Digital Banking profile and your username. Passwords will be sent via a voice call or as a text message.
  2. To retrieve your username, click on the Forgot Password link inside the login box and then click on “I forgot my username” link on the following page. Input the email address that is associated with your Digital Banking profile.
You can sign up for Digital Banking quickly and easily using the following steps: Select your Digital Banking platform of choice:
  1. Desktop:
    • Click the “New User” button.
    • Enter your member number in the text box indicated.
    • In the next box, enter “0000+ the last four digits of your SSN or TIN [Example: Your SSN is 123-45-6789. You enter: 00006789]
    • Review and Agree to Terms and Conditions when prompted.
    • Create a new username* and password^.
    • Enter your contact information, which can be your phone number or email, so your access can be verified through a one-time verification passcode. This is part of the enhanced multi-factor authentication process and will be used for authenticating any unrecognized devices.
  1. Digital Banking App:
    • Download the PenAir Digital Banking App using the Apple® or Google Play™ store
    • Click the “Sign Up” button.
    • Enter your member number in the text box indicated.
    • In the next box, enter “0000 + the last four digits of your SSN or TIN. [Example: Your SSN is 123-45-6789. You enter: 00006789]
    • Review and Agree to Terms and Conditions when prompted.
    • You will then be prompted to create a new username* and password^.
    • Enter your contact information, which can be your phone number or email, so your access can be verified through a one-time verification passcode. This is part of the enhanced multi-factor authentication process and will be used for authenticating any unrecognized devices.
*Username Requirements: Must be at least six characters long. Must contain one letter. Can contain letters, numbers, and the following special characters: @$*_-=.!~. Cannot contain any white spaces. ^Password Requirements: Must be between 8 and 32 characters. Must contain characters from at least two of the following three categories: Letters, Numbers, or any special characters. Cannot contain any white spaces. Cannot be part of the username. Passwords are case-sensitive. Passwords do not expire.

Money Management Budgeting Tool

Click on the gear icon in the navigation bar to open Settings, and then click on the Profile tab.
Click on the gear icon in the navigation bar to open Settings, and then click on the Alerts tab. Simple Alerts automatically sets up your alerts with the most popular configuration. Just click on the alert to determine whether it is on or off. Switch to Detailed Alerts if you want to choose which accounts have alerts, what values trigger an alert and how alerts are delivered. If you want to receive alerts via email, you must first verify your email address by clicking on the yellow “Verify your email address to receive alerts” link in the Settings view.
If you want to receive alerts via text, you must first verify your mobile phone number by clicking on the yellow “Verify your mobile number to receive alerts” link in the Settings view.
Create a goal, assign an account to that goal, and estimate how long it will take you to achieve each goal. The projected completion date for each of your goals is calculated by:
  1. Monthly contribution
  2. The amount of the goal
  3. The amount of money in the goal account
  4. What priority number the goal is
Your entire monthly contribution is applied to the top goal. Once that goal is achieved, the money will be applied to your next goal.
  • The monthly contribution is how much money you will put towards your goals each month. By default, this is calculated automatically by taking your projected income (which you can set in Budgets) and subtracting budgeted expenses.
  • You can also set this number manually by clicking the toggle switch and then entering the monthly amount you want to contribute to your goals.
Net worth is the sum of your assets and liabilities combined. Money Management looks at the monthly gains and losses in each of your accounts to calculate the increase or decrease in your net worth each month. Net worth is a great metric to track your overall financial progress over time.
The APR and minimum payment information comes through on some account types but not all. To edit the APR and minimum payment, click the account and edit those fields.
Money Management automatically calculates how long it will take you to pay off each debt, based on your balance, APR and minimum payment. The default setting is to prioritize your debts by Fastest Payoff First, but you can change the priority by clicking on the drop down menu at the top-left corner of the Debts view.
By snowballing your debt payments, you can get out of debt significantly faster and save a lot of money in interest, without increasing your monthly payments toward your debt. Here’s how it works. Assume you have three debts, and you’re paying $100, $400 and $1000 each month on those debts, a total of $1500 per month. When your first debt with a minimum payment of $100 is paid in full, you will then begin to apply that extra $100 per month to the $400 as an extra payment towards the second debt. When the second debt is paid in full, you take the entire amount of $500 you were paying and apply it to the $1000 as an extra payment towards debt number three.
Debts calculates the balance, APR and minimum payment on each loan to determine the length of time it will take you to get out of debt by simply making your minimum payments, compared with the time and cost savings of implementing the Debt Snowball method.
Each color in the chart corresponds with the category colors in the spending wheel. You can hover over any category to see the exact amounts spent month to month over time. Click a color to see subcategory spending, or click a circle to view transactions for that month.
The Budgets View can help you track and control your spending in select budget categories. You can use budgets to track all of your regular household expenses, or just specific categories that you want to monitor more closely. Budgets are useful for setting and working towards financial goals, or simply being more aware of your spending habits.
Open the Budgets View, click on the [+ Add a budget] in the sub navigation bar, and select a category from the drop down menu and enter your chosen budget amount.
Some institutions send a separate transaction for principle paid and interest paid on loan but some institutions only send a single transaction for the total amount paid.
If you are working on paying off a credit card, congratulations!
  • We recommend that you create a custom subcategory to track your progress, such as Bills & Utilities: Credit Card Payoff. This will allow you to see in Spending and Budgets Views how much you have spent towards paying down that debt. It is recommended that you do not use your card for purchases while you are paying it off. Not only will it be easier to stick to your goal if you just don’t use the card but it is more difficult to account for your credit card payoff if you are actively accruing debt on the card.
  • If you must use your credit card while you are paying it off, you can split the transaction between Transfers: Credit Card Payment for the portion that pays back what you spent, and Bills & Utilities: Credit Card Payoff for the amount that will be applied to the previous balance. If you also want to track separately how much of your credit card payment is applied to interest vs. what you owe, see “How do I account for interest paid on a loan?”
There is a special category called “Transfer” for loan payments and transfers that will exclude those transactions from Spending and Budgets.
  • A note about payments. All loan payments have two transactions: the negative transaction of money leaving your bank account and the positive transaction of money paid towards the debt, decreasing what you owe. The negative transaction should be categorized as the expense, so your budget will reflect your spending on that category. The positive transaction should be categorized as a transfer, so it does not void the expense of the loan payment.
    • For example: The negative transaction of a mortgage payment would be categorized as Home: Mortgage & Rent, and the positive transaction would be categorized as Transfer: Mortgage Payment.
  • You can create custom subcategories for all of your loan payments if you wish. A loan payment essentially is a transfer. The money leaves your bank account but you then own that much more of the asset associated with the debt.
  • Credit cards are different, because there is no asset associated with the debt. A credit card payment is repayment for money borrowed, on transactions already accounted for in your budget. If you actively use your credit card, payments on that card should be categorized as Transfer: Credit Card Payment.
Review your transactions to make sure they are categorized correctly. A “missing category” could be listed as a subcategory under “Other”. Check under the “Other” category to see if your transactions have been grouped there.
Click on the transaction you wish to change to open the transaction detail view, then click on the category field to see a list of existing categories. You are able to create a custom subcategory beneath any of the main categories but you cannot create a new main category.
  1. Hover over the main category your custom subcategory will belong to.
  2. Click on [Enter A New Sub-Category] in the side menu.
  3. Name your subcategory and click [+] to confirm.
Money Management will import up to 120 days of transaction history from PenAir. The amount of data that will be imported from other institutions depends on the institution. After the initial account setup, Money Management will pull new transactions from all financial institutions at least every 24 hours.
Money Management will save data on Money Management for as long as you do not delete or close your account with PenAir.
Financial institutions display the order of transactions based on time and type of transaction. Whichever order is provided by the Financial Institution will be displayed in Money Management.
Financial institutions use multiple dates such as: post-date, activity date and effective date. Whichever date is provided by the Financial Institution will be displayed in Money Management.
Zero or negative spending is caused by mis-categorized credit transactions.
  • Click on the incorrect spending category and sub-category to drill down to the transactions level.
  • Look for the green credit transaction and categorize it appropriately.
  • Credits should usually be categorized as either “Income” or “Transfer”.
No. Transfers and Bill Pay functions can only be done within Digital Banking.
Yes, you can export from the Transactions tool by selecting the “Export CSV” link in the top gray bar.
The Transactions View provides an easy way to review or find transactions from any account, over any time period. You can use the date range selector to determine what time frame the transactions represent, or you can use the search field to filter by payee, account, tags, amount, category, or date. You should always take a moment to review newly imported transactions. Not only does this help you keep track of your spending but will also help you to quickly identify fraudulent charges. When reviewing your transactions, make sure you recognize the transaction and verify that it is categorized correctly. To view more or edit detail on a transaction, just click on it. You can customize your transactions using the following features:
  • Category: Categorize transactions so your spending will be accurately reflected in Spending and Budgets. Click on the category field and select the correct category from the drop down list.
  • Flags: Flag a transaction “B” for business-related, “P” for personal (default), or mark it with a flag to make it stand out in the transaction list.
  • Tags: Create custom tags to label transactions for searching. For example, you may wish to tag tax-related expenses, or expenses related to a vacation or family goal.
  • Memo: Add a memo when you need to remember special details about a transaction.
  • Split: Split a transaction between multiple categories to account for specific amounts in Spending and Budgets.
Transactions are automatically categorized for you, but there may be some you need to categorize manually, such as checks, or purchases at big box stores, where your purchase could belong to any one (or more) of several potential categories. Money Management will remember your preferences and become more intelligent over time in how it categorizes future transactions.
Yes. After all of your accounts have been added to Money Management, open the Transactions View link and review your transactions for accuracy. Transactions are automatically categorized for you but you may want to re-categorize some accounts. Any changes you make to your categories will be applied to future transactions.
Click on a transaction to open the transaction detail view. To re-categorize a transaction, click on the category field of the transaction line and select from the drop down menu. You can also edit other transaction details like payee description, tags, flags, and memos, as well as split or exclude a transaction from this view.
Manual transactions can only be added to manual accounts. Transactions associated with linked accounts will be imported automatically each time you sign on. To add a manual transaction, open the Transactions View and click on [+ Add Transactions] in the sub navigation bar. Select a manual account from the drop down menu, enter the transaction details.
You will create a manual account by doing the following:
  1. Select ‘Accounts’ from the top navigation bar
  2. Click on ’+Add an Account’ from the sub navigation bar or choose an account type from the bottom left menu to add.
  3. Click on ‘Add a Manual Account’
  4. Enter the current balance for the asset
  5. Enter an account name
  6. Select Property as the account type
  7. Select appropriate property type
  8. Click [SAVE IT]
There are many types of online banking accounts, and not all are compatible with common aggregation methods. Money Management utilizes multiple aggregation sources and uses an aggregation engine to provide the best possible coverage but when an unsupported institution is encountered, a manual account can be created in the Accounts View.
Log in to your financial institution’s online banking to verify your log in credentials are correct and that there are no holds on the account preventing you from signing in. Add the account again, and pay special attention to the URL to make sure you are attempting to add the correct financial institution. Many institutions have similar names and websites. If your account continues to fail, please submit a support request.
From the Accounts View, an exclamation point (red or yellow) will appear at the top right corner of the account card.
  • A yellow alert indicates that an action is required from the user (i.e. answer a security question).
  • A red alert indicates a problem with the connection to the account.
To remove the exclamation point:
  1. Click on the account to open the account detail view.
  2. Then click on the red or yellow warning message in the “Link Status” field.
  3. The “Manage Institutions” page will appear.
  4. Once the action/connection has been addressed the exclamation mark will disappear.
No, only delete an account if you’re comfortable with losing all history for that account. Otherwise, try adjusting the Show/Hide account settings for the account instead. Also, know that if you delete an institution, all accounts under that institution will also be deleted.
Open the Accounts View and click on the account you wish to delete. Click on the trashcan icon and confirm your decision to delete the account. You cannot delete your PenAir accounts, so the trashcan icon will not be present. You can, however, exclude a PenAir account by clicking on [Exclude from App] in the transaction detail view. This will exclude the account and its transactions from being calculated into your budgets, spending etc. Note that deleting an account also deletes all historical balance and transaction data associated with that account. Do not delete an account unless you are sure you are okay with losing all associated data.
Not all institutions are able to send us that information. You should always check your loan details to make sure they are correct in Money Management and make adjustments as needed.
Open the Accounts View and click on the account you wish to edit. This opens the account detail view where you can change an account name, type, and interest rate. You can also edit the account balance of manual accounts.
Depending on the institution you may need to add each account separately. Multiple log in credentials may need to be entered for each account
PenAir is loading up to 120 days of transaction history to Money Management. Upon initial log in, you may experience a delay in your accounts loading due to the number of accounts and transactions you’ve performed in the last 120 days. After your initial log in, the timeframe to refresh your accounts and transaction history should be shorter.
To manually add an account:
  1. Open the Accounts View and click on [+Add an Account] in the sub navigation bar.
  2. Click [+Add a Manual Account].
  3. Enter an account name, choose the account type and enter your account details, then click [Save It].
  4. You will need to update this account manually by updating the balance and entering transactions as needed.
All PenAir accounts will be loaded automatically into Money Management. In addition, you may add accounts from other financial institutions to Money Management so you can see a complete listing of your personal finances. To add an account:
  • Open the Accounts View and click on [+Add an Account] in the sub navigation bar.
  • Type in the name of the Financial Institution.
  • Once found, click the institutions name then enter your login credentials.
  • You can also create manual accounts for accounts that are not supported by Money Management.
The Online Support Team is committed to providing world class support. Response time can take up to one business day, though the average support time is under two hours.
Money Management includes a built-in Help feature located in the upper right hand corner of the navigation bar through the “?” icon, that can address most of the commonly asked questions. Here you can also communicate directly with our Online Support Team by selecting the “Send Feedback” option and submitting a Support Request. If you prefer to speak with a live representative, please refer to the “Support” section on Digital Banking for Member Service Center hours of operation and their contact numbers.
Yes. PenAir has partnered with the MoneyDesktop to quickly identify and resolve support requests from our members. Some email communications from Money Management may originate from Support@moneydesktop.zendesk.com.
Yes. Similar to Digital Banking, Money Management provides on-demand alerts triggered by changes. These alerts will be updated every 24 hours or at the time of log in.
Current versions of Microsoft Edge, Firefox, Chrome and Safari are supported by Money Management. Chrome is recommended for the best overall browsing experience.If your browser is incompatible with the newest feature in Money Management, a pop- up message will appear for you to upgrade to the newest version of Edge, Chrome, and Firefox.
Yes. Safeguarding your personal and financial information is foremost at PenAir. We employ state of-the-art encryption technology and other techniques to protect your personal financial information, which includes Money Management within Digital Banking. We use “two-factor authentication” and other security upgrades as extra layers of protection to your account, which go beyond requiring a conventional ID verification and personalized “challenge” questions let you customize your Digital Banking log-in, providing you with a higher level of online security. We also regularly monitor and re-evaluate our privacy and security policies and adapt them as necessary to deal with new conditions.
Money Management can be accessed through Digital Banking.  
  • Desktop/Computer:
    • Once you’re logged in to your account, look for the Manage Money tab in the center of the main menu bar.
    • Hover over the tab, click on the words Money Management.
  • App:
    • Once you’re logged into, tap the word more on the bottom right of the screen.
    • Then tap Money Management.
Money Management is accessible to PenAir members by logging into Digital Banking.
Money Management is an enhanced digital banking experience that provides easier access to all your accounts in Online and Mobile Banking. Money Management allows you to:
  • Know your finances: See all of your accounts, including those with other financial institutions.
  • Track your budget: Bubble charts help you understand the relative health of your budgets instantly.
  • Watch your spending: Every transaction is automatically categorized so you can spend smarter.

PenAir LIVE Machines

If your request requires extended research, we will ask that you sit down with a Member Advisor.  We cannot offer cashier’s checks, instant issue debit cards, print statements, or process a cash advance.
Yes! We will be able to assist you with cashing your PenAir check with proper identification.
All checks are subjected to a hold. The LIVE Teller reviews many factors to determine the hold the same way our in-branch tellers do.
Yes!
No, you must order this from a full-service in-branch location.
$1s, $5s, $20s, $100s, .01, .05, .25
Yes, the LIVE Tellers offer volume adjustments, headphone jack ports, and a chat on-screen function. They also have handheld phones in our lobby locations.
They can provide faster service than a traditional teller line, they provide extend hours, provide service from the comfort of your vehicle, and are more secure.
LIVE tellers can do 95% of transactions a traditional teller line can do. They can do deposits, withdrawals, cash checks, and even transfer with-in PenAir accounts.  But there is more! They can process loan and credit card payments, do account research, order a new debit card, open secondary savings accounts, and assist other account functions.
Yes! The LIVE Tellers work closely with the Member Advisors at each location to ensure you have a seamless visit.
PenAir is using LIVE tellers to provide a modern drive-thru while providing extended hours of service from your local tellers.
LIVE stands for Live Interactive Teller Experience. The machine functions as both an ATM, or you can reach a live local teller to complete your transactions.
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