FEE-FREE. WORRY-FREE.
Your checking account sees a lot of action. It’s where you pay the bills, buy gas and groceries, and swipe your debit card for the fun stuff. With no monthly maintenance fees, no minimum balance requirements, and digital tools at your fingertips, you have total control over your money.
Every PenAir Checking Account Includes:
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.
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.
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.
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.
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.
People say the nicest things
-Debra, PenAir member for 22 yearsPenAir Credit Union is the best place to bank, hands down.
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.
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.
Not yet a member?
Enjoy all PenAir has to offer, including 11 convenient locations, free financial coaching and education, and access to other great services.
Need a little more information?
You can 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.
You only need three things:
- Your driver’s license
- Other acceptable forms of identification are things like government issued photo IDs, state IDs, or military IDs.
- Your complete physical and mailing address
- If your current address does not match your ID, we will need proof of your current address. (This can be a paystub, utility bill, tax bill, or vehicle registration.)
- $5 for your Savings Account
- Your new account can be funded with a 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:
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.