Checking Account - woman holding her medium sized, white dog close to face, both are smiling



Great checking starts with great features, like easy-to-use online access, no monthly service fees and the potential to earn interest on your balance. Whatever checking account you choose, you'll enjoy surcharge-free access to 50 ATMs locally and over 5,000 Nationwide Shared Branches. Plus, our mobile app lets you manage your account anytime, from anywhere.

*Lines of Credits cannot be withdrawn from at a Shared Branch. ATM's and Pen Air Business Account transactions are not included in the Shared Branch Network.


Becoming a member at Pen Air is easy. Open your new checking account today!

Open an Account


Debit Cards

We provide our members instantly-issued debit cards. Not having to wait for your debit card to arrive in the mail is safer, provides immediate purchasing power and saves you time.

Have the convenience of accessing your funds without writing a check. You simply swipe your Mastercard® Debit Card at the local merchant just as you would with any other plastic card. The funds are deducted from your checking account. Selecting either "credit" or "debit" tells the system how to process your transaction. Our Debit Card also acts as an ATM card, using the same PIN.

Keep a record of your debit card transactions

  • This will help you avoid spending more money than you have in your account
  • Overdraft protection arrangements can also be made to help protect you from mistakes or miscalculation.

Stop fraud in its tracks

Debit Card alerts allow you to keep track of card activity anytime, anywhere! You'll be able to monitor real-time activity and spot suspicious transactions sooner.

  • Monitor transactions made outside of the U.S.
  • Monitor purchasing activity
  • Monitor real-time transactional activity
  • Set up mulitple destinations for text and email alerts
  • Modify or delete alerts at any time

Register Your Debit Card Here

Mastercard® Automatic Billing Updater

ABU helps ensure uninterrupted payment and service by seamlessly updating card-on-file account information to participating merchants in the event a card number changes or expires.

Automatic Billing Updater FAQs

Planning a trip?

  • Let us know of your travel dates and destinations before you depart. We will add a travel memo to your card for our fraud security department.
  • If your card is not working while you're traveling, you can contact our fraud department at 1.888.918.7313 .

Share It

We are committed to supporting our members and our community. Our Share It™ Debit Card program is designed to give you an easy way to help us give back to our community through education. For every signature based debit card transaction made with your enrolled account, we will donate .01¢ to the local school district of your choice at no cost to you.

Share It Mastercard Debit Card

Eligible school districts:

  • Escambia County, Florida
  • Santa Rosa County, Florida
  • Baldwin County, Alabama

Three different ways for you to enroll:

  • Come into any Pen Air location
  • Call 850.505.3200 and speak with a Member Service Representative
  • Log into your account through Online Banking and go to the "Forms" section

Together, we can make incredible things happen.