Digital Banking Solutions

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 whitespaces.

^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 whitespaces. Cannot be part of the username. Passwords are case-sensitive. Passwords do not expire.

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.

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.

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.

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.

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.