Checking Accounts

Made to fit.

Open an Account

Ready to join or add an account?

You can now open an account with us if you live, work, go to school or worship in 17 counties, from Mobile County, Alabama to Leon County, Florida.

Ready to join us?

Open a New Account

Currently a member?

Add an Account
Find a Branch Near You

Fee Free. Worry-Free

Your PenAir Checking Account is where you pay the bills, buy gas and groceries, and swipe your Debit Card for the fun stuff. Experience total control over your money with no monthly maintenance fees, no minimum balance requirements, and the chance to earn dividends.

Choose the Options That Suit You Best

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Personal Checking

It’s banking on your terms. Enjoy the flexibility to manage your funds with no monthly maintenance fees, no minimum balance requirements, and digital tools at your fingertips. Join us and experience banking that fits your lifestyle effortlessly.

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High-Yield Checking

Elevate your financial journey and grow your balance. A Checking Account that pays dividends when you enroll in eStatements and make a monthly ACH Deposit of $250 within a single day.

Choose Simplicity or Rewards

  • Monthly Fee

    Monthly Fee

  • Min. Balance Required

    Min. Balance Required

  • Monthly ACH Deposit Required

    Monthly ACH Deposit Required

  • Earn Dividends

    Earn Dividends

  • eStatements Required

    eStatements Required

Personal Checking

  • Monthly Fee


  • Min. Balance Required


  • Monthly ACH Deposit Required


  • Earn Dividends


  • eStatements Required


High-Yield Checking

  • Monthly Fee


  • Min. Balance Required


  • Monthly ACH Deposit Required


  • Earn Dividends


  • eStatements Required


*Ensure your eligibility by setting up a monthly ACH Deposit of $250.00 or more in a single day.
**Dividends are paid when the monthly ACH Deposit and eStatements requirements are met.

Every PenAir Checking Account Includes:

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Free Mastercard® Debit Card

Your PenAir Debit Card works hard for you in the digital and physical shopping world. A handy security-chipped card comes free with every PenAir Checking Account.

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Digital Banking Solutions

You are empowered to manage your money any time, any place with PenAir’s advanced digital tools. For every which way you go, we’re (literally) right by your side.

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Fee-Free ATM Access

Cash so fast you’ll flip. With thousands of surcharge-free ATMs, you can access your cash wherever your busy life takes you.

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Budgeting Help

With easy access to financial resources you’ll actually want to use, we’ll work with you to unlearn bad habits, break generational cycles and plan a future that fits you.

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Account Controls

Ready to get a handle on things? You’re set up for success with features like the Money Management budgeting tool, Debit and Credit Card Control, account alerts and more.

Checking for Teens and Kids

Looking for a Minor Checking Account option? PenAir’s Level UP Youth Account Program empowers young members (8-18) to use a Debit Card and keep track of their budget with Digital Banking and the PenAir App — all with Parental Controls that give you peace of mind.

PenAir's Powerful Mastercard® Debit Card

The PenAir Mastercard® Debit Card gives you more than just 24/7 access to your money.

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Contactless Technology

Your debit card is enabled for added security. You’ll find so much power within this rectangular piece of plastic!

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Automatic Billing Updater

New card number? Don’t fret. Most automatic payments will transfer seamlessly to your replacement card.

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Fraud Monitoring

Your Debit Card comes equipped with 24/7 fraud monitoring to help you sleep at night.

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Card Alerts

You can place personalized real-time alerts on your PenAir Debit Card that will ensure no transaction gets by you undetected.

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Support our Schools

The Share It® program turns your signature-based transactions into donations to the schools in your neighborhood.

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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.

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Virtual Wallets

Use your PenAir Debit Card with Apple Pay®, Google Pay™, and Samsung Pay® for the ultimate safe and secure shopping experience.

People say the nicest things

PenAir Credit Union is the best place to bank, hands down.

-Debra, PenAir member for 22 years

Need a little more information?

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.

To become a PenAir member, you only need three things:

  1. Your driver’s license or other acceptable forms of identification, such as government-issued photo IDs, state IDs, or military IDs.
  2. 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).
  3. $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!

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.

Making the switch to High-Yield Checking is a snap! Here’s how you can do it:

  1. Schedule an Appointment:
    • Click “Schedule an Appointment” and choose between a virtual session using your device or a face-to-face meeting at your preferred branch. Rest assured, both options guarantee personalized guidance tailored to your needs.
  2. Call Our Member Service Center:
    • Dial 850-505-3200, option 2, to connect with our Member Service Center. They’ll assist you in seamlessly transitioning to High-Yield Checking over the phone.
  3. Digital Banking or PenAir App:
    • Do you prefer the convenience of your device? No problem! Using our Secure Form, submit a request through Digital Banking or the PenAir App. It’s quick, secure, and accessible from the comfort of your home.

Unlock the full potential of High-Yield Checking by meeting these eligibility criteria:

  • Age Requirement: Applicants must be 18 years or older to be eligible for High-Yield Checking.
  • Monthly ACH Direct Deposit Commitment: Ensure your eligibility by setting up a monthly ACH Direct Deposit of $250.00 or more in a single day.
  • Digital Banking Requirement: Enroll in eStatements. This streamlined and paperless approach for maintaining account history enhances convenience, making managing your finances a breeze.

Meeting these criteria makes you eligible for High-Yield Checking and sets the stage for a more rewarding and efficient banking journey.

*High-Yield Checking is only for Personal accounts. At this time, Business and Minor accounts are ineligible.

Still have questions? Browse our PenAir FAQs

Open Your PenAir Checking Account

Open an Account Today
Get Started Online

Ready to join or add an account?

You can now open an account with us if you live, work, go to school or worship in 17 counties, from Mobile County, Alabama to Leon County, Florida.

Ready to join us?

Open a New Account

Currently a member?

Add an Account
Our Friendly Staff Are Here to Help
Schedule an Appointment

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.

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