Wherever you go, take PenFed with you!

The PenFed Mobile banking app provides around-the-clock access to your PenFed accounts. You can review activity and balances, get transaction details, transfer balances, track loan application status, pay bills and much more! Deposit checks quickly and easily with your smartphone or tablet.

Need an ATM? The app will help you find one. Forgot to set a travel notification for your PenFed credit card? Do it right in the app -- from anywhere. Want to buy a home? Don't miss our exclusive real estate rewards and other current offers.

With lightning-fast, 24/7 access, PenFed Mobile puts the power of your credit union right where it belongs… on your favorite mobile device.

Opening this app constitutes acceptance and/reaffirmation of our privacy policy, non-compete, and non-disclosure agreement.

What’s New

Version 4.7.1

Bug Fixes and Enhancements.

Ratings and Reviews

4.2 out of 5
6.6K Ratings

6.6K Ratings

Jaguarcult ,


PenFed took over Alamo FedCU a few years ago. I had an account there for an auto loan, & it was convenient as there was a branch in the federal building in which I worked. I no longer work in that building, and I don’t believe that PFCU had any locations here in San Antonio, TX, where I live. I decided to keep my account, as I use it mainly as a “mad money/vacation” savings account. I have been very pleased with the ability to do my business using the mobile app, and even recently opened a checking account after getting a PFCU Visa card & debt consolidation personnel loan. I have a local credit union that I use for my day to day banking, but I’m glad I also have my PFCU accounts for other purposes. The only drawback I can see is that I don’t have the ability to deposit cash into my account, but that something I hardly ever need to do anymore.

Angela W. - Gaithersburg ,

Pros and Cons

The new look and feel is pretty nice. But I have had issues with the new app. It froze several times when trying to deposit 2 checks this past week causing me to spend close to 30 min for what used to be a very simple transaction in the old app.
Next item of concern, I was either logged out or could not log in using the Finger-print technology. Love this technology, but not if it doesn’t work as designed. I use it on a regular basis with other apps without a problem so I know it is not user error.
Also, PLEASE PUT BACK THE BALANCE AMOUNTS WITH EACH TRANSACTION. I cannot tell If my overall balance is updating when many transactions are happening within a short period of time.
And lastly, I often move between this app and other apps on my phone while trying to conduct business, I find it VERY ANNOYING that it logs me out the second I leave the page. Your app should give at least a 2 to 3 minute window of idleness before logging someone off.
As a suggestion, please list somewhere on your app where we can use ATM’s without incurring a fee, like CVS, Walgreens, and Navy FCU’s. I really didn’t want to have to call and speak to someone while driving home on Friday just to pull cash out of my bank when all I wanted to do was look on my phone before I pulled out to work and know which direction to head in. (For the record, I’m not opposed to chatting with people, but sometimes, it’s a timing thing.)

NoMoreFeesForMe ,

Worst bank and app I have had yet!

I was a member of a local credit union that was taken over by another and then taken over by PenFed. PenFed’s online banking and app pale in comparison. They take forever to show your pending charges or to have things clear. It gets very confusing and has caused me to incur several fees from forgetting about charges that show up days later. I understand it is my responsibility to track my spending, but I haven’t had to in such a long time due to technology allowing me to know my true balance immediately after using my debit card. As the bank for our military, they should have the most up to date technology as it is available. They also seem to process things in a way that maximizes the number of fees the customer will be charged. I am in the process of switching all of my accounts to a different bank and cannot wait to have the hassle of writing down every single charge and bill payment be a thing of the past! Get with the times PenFed and update your online presence and processing times!

App Privacy

The developer, Pentagon Federal Credit Union, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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