A Smart, Modern Checking Account
The PenAir Personal Checking account has NO monthly maintenance fees or minimum balance requirements. What it DOES have is all the digital banking ease and convenience you want and need.
Packed With Benefits
- Free Mastercard® Debit Card: Tap, insert, or swipe your free debit card. It’s safe, simple, and accepted everywhere.
- Digital Banking Solutions: Manage your money anytime, anywhere.
- Fee-Free ATM Access: Access to over 95,000 surcharge-free ATMs.
- Budgeting Help: Free financial resources and certified coaches you’ll actually want to use.
- Account Controls: Control your account your way with budgeting tools, card controls, and account alerts.
Get Your Fee-Free Checking Account Now
PenAir's Powerful Mastercard® Debit Card Benefits
Contactless Technology
Your debit card is enabled for added security. You’ll find so much power within this rectangular piece of plastic!
Automatic Billing Updater
New card number? Don’t fret. Most automatic payments will transfer seamlessly to your replacement card.
Fraud Monitoring
Your Debit Card comes equipped with 24/7 fraud monitoring to help you sleep at night.
Card Alerts
You can place personalized real-time alerts on your PenAir Debit Card that will ensure no transaction gets by you undetected.
Support our Schools
The Share It® program turns your signature-based transactions into donations to the schools in your neighborhood.
Instant Issue
Immediate access to your money is important, so why wait for the mail carrier? You can visit any PenAir location to print your Debit Card right there in the branch.
Virtual Wallets
Use your PenAir Debit Card with Apple Pay®, Google Pay™, and Samsung Pay® for the ultimate safe and secure shopping experience.
Couple With A Personal Loan
Opening a PenAir Personal Checking account makes you eligible to apply for our low-interest personal loan relationship rate of 7.90% APR*. Show THAT to your high-rate credit cards.
Need a little more information?
To become a PenAir member, you only need three things:
- Your driver’s license or other acceptable forms of identification, such as government-issued photo IDs, state IDs, or military IDs.
- Your complete physical and mailing address. If your current address doesn’t match your ID, we’ll need proof of your current address (e.g., a paystub, utility bill, tax bill, or vehicle registration).
- $5 for your Savings Account, which serves as your share account and establishes your membership with PenAir.
As long as you live, work, go to school, or worship in one of the 19 counties we serve between Mobile, AL and Tallahassee, FL, you’re eligible to join PenAir and enjoy our range of financial services.
Your new account can be funded with a debit or credit card. Welcome to PenAir, where your financial journey begins!
At PenAir, the $5 required in your Savings Account determines your ownership in the credit union. Opening a new Checking Account at PenAir is hassle-free, as it does not require a minimum balance or monthly fees.
A Personal Loan gives you a sum of money upfront and requires fixed monthly payments throughout your loan term. A Personal Line of Credit, on the other hand, lets you withdraw as much cash as you need at any point in time and pay it back on your own timeline with a variable interest rate.
You must be 18 years old to be a primary member on a PenAir account. However, minors aged 0-18 can be joint owners with a guardian on Youth Accounts. Members aged 8+ can access PenAir Mastercard® Debit Cards and Digital Banking.
Open Your PenAir Checking Account
Disclosures
*APR = Annual Percentage Rate. Rates, terms, and conditions are subject to change and vary based on creditworthiness, qualifications, and amount of the loan. All loans are subject to approval. Rates as low as 7.90% APR. Interest will still accrue with the NO payment for 45 days offer. Loans range from a minimum of $500 to a maximum loan amount of $20,000. A personal loan for 5 years at 11.90% APR will have a monthly payment of $110.99. Term of up to 60 months.
Rates are effective as of May 7, 2025