PenFed Mobile 4+

Pentagon Federal Credit Union

    • 4.2 • 8.5K Ratings
    • Free



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 4.7.94

Check Withdrawal
Bug Fixes

Ratings and Reviews

4.2 out of 5
8.5K Ratings

8.5K 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.)

msjpollard ,


This is the worst bank account I’ve ever had. I had to sit on the phone for over an hour to figure out why I couldn’t transfer money out of my account and after being told it was an issue with my card, being HUNG UP on and then speaking to two more people after being transferred a different agent told me my account was overdrawn. HOW?? I just deposited money and the app says my balance is not negative so how could I possibly be overdrawn?! Oh that’s right because this infantile app doesn’t update debits and deposits until almost a week after they’ve been received whenever you tried to charge to your debit card. The count of people I’ve spoken to is now at 6, and I’m still on the phone. I can’t WAIT to close this account and be done with PenFed because what’s the point of mobile banking if I STILL HAVE TO GUESS WHATS IN MY ACCOUNT?! How do y’all actually expect someone to manage their finances with your app?? If I wanted to walk around doing calculations all day I’d keep my money in a mattress. I hate this bank and even more this app and I have absolutely NOTHING positive to say about it and PRAYERFULLY they don’t take forever to close my account because I’m over it. And please don’t get me started on entering all my info into the automatic system only to be told they “can’t pull up my account” I hate it here so much.

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

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