Online Banking and Mobile App Support

Make the most of your digital banking experience

Digital banking offers a convenient way to do most of your day-to-day banking, whether you choose to bank on the go with our Mobile App, or from the comfort of your home with Online Banking on a desktop computer.

Our How-to guides below provide you with step-by-step tips to help you customize your digital banking experience.

Digital banking security updates and reminders

NEW! 2-Step Verification

The next time you login to Online Banking or the Mobile App you’ll be presented with the option to set up 2-Step Verification (2SV)

2SV enhances online security by ensuring you are the only one who can access your account. It is an added layer of security that requires you to enter your password (PAC) and a six-digit verification code that is automatically sent to a trusted method of contact – such as text message or email – upon each login.

Setting it up takes just a few simple steps and we recommend you set this up at your earliest convenience. After May 8, 2023, it will become mandatory for all digital banking users.

Learn more about 2SV →


Working together to prevent fraud

Occurrences of fraud are on the rise anywhere scammers and fraudsters have access to financial or personal information.  While PenFinancial has industry standard protections in place for online banking, we all have a role to play in the security of our online activities.  It's important you stay diligent to help prevent fraud. 

Visit our Fraud Prevention centre for tips and resources to help you be fraud aware.

Fraud Prevention centre →


Is your password secure?

ic_change_password Online security starts with a strong password. Ensure your PenFinancial Online Banking / Mobile App password is difficult to guess, consisting of a minimum of eight (8) characters including upper case letters, lower case letters and numbers. Your Online Banking password should be unique and not used to access other websites. 

How to change your password →

Tips to reset memorized passwords after an update →


How-to guides

Even though we’re sure you’re going to find our PenFinancial Online Banking and Mobile App easy to use, we thought we’d share a few how-to’s and tips to get you going. You can also download a PDF of our Digital Banking Tips to help ensure your accounts are protected.

Click on the cards below to learn more.


Change Password

Change your Password (PAC)

Change Your Password (PAC)

  • Mobile App: Tap Settings > Change Personal Access Code
  • Online Banking: Click Profile and Preferences in the menu
  • Select from the available options to make a change

When choosing a password we recommend using uppercase and lowercase letters and numbers


Set Up Alerts

Set Up Alerts

  • Mobile App: Tap Alerts you may have to swipe right once or twice
  • Choose Settings > Notification from the menu to allow notifications
  • Online Banking: From the menu, click Messages and Alerts > Manage Alerts
  • Set up and choose your options for alerts

INTERAC e-Transfer Autodeposit

Set Up INTERAC e-Transfer Autodeposit

Set Up INTERAC e-Transfer Autodeposit

  • Mobile App: Tap INTERAC e-Transfer > Settings > Autodeposit
  • Add or remove e-Transfer Autodeposit email addresses
  • Online Banking: From the menu, click Transfers > Autodeposit to manage your INTERAC e-Transfer Autodeposit settings

Pre-Authorized Debit and Withdrawal Information

NEW: VOID Cheque / Pre-Authorized Debit Information


  • Select Accounts
  • Tap/Click on the account you want to view the information for
  • Tap/Click Account Details
  • You will now find your transit (branch), institution, and full account number to use for pre-authorized withdrawals and deposits. If you require a document, click on the link: Direct Deposit and Pre-Authorized Debit (PAD) Form

Face ID

Enable Face ID
(Mobile App only)

Enable Face ID

Mobile App only

  • From the menu, tap Settings (you’ll need to swipe right to find settings)
  • Go to Face/Touch ID
  • Read and tap Accept.
  • Turn on Biometric Login and tap Enable. You’ll need to re-enter your password

Schedule Recurring Transfers

Schedule Recurring Transfers

Schedule Recurring Transfers

  • Select Transfers from the menu
  • Fill out the desired transfer details
  • Select Later, Recurring, or the specific date in the details

Change your Security Settings

Change Your Security Settings

Change Your Security Settings

  • Mobile App: Tap Settings > Change Security Settings
  • Online Banking: Click Profile and Preferences in the menu
  • Select from the available options to make a change


Retrieve Messages

Retrieve Messages

  • Mobile App: Click Messages in the menu (you’ll have to swipe right once)
  • Online Banking: From the menu, click Messages and Alerts > View Messages

e-Transfer Setup

Send and Receive INTERAC e-Transfers

Send an INTERAC e-Transfer

  • From the menu select Transfers, then Send via INTERAC e-Transfer
  • Fill out your profile. Phone number must have no spaces or dashes
  • You can now send and receive e-Transfers

Download e-Statement

Download e-Statement
(Online Banking Only)

Download Your e-Statement

Online Banking only

  • Click on the My Accounts icon
  • Choose View e-Statements

Pay a Bill

Pay a Bill

Pay A Bill

  • From the menu, select Payments
  • Select Payments
  • Select the bill you wish to pay and provide relevant details

Tip: To add a payee, select Manage Payees on the App (Select Payments in Online Banking)

Find an ATM

Find an ATM
(Mobile App only)

Find an ATM

Mobile App only

  • Tap Find Us in the menu (you’ll need to swipe right once)
  • The map shows ding-free ATMs near you
  • Click the ATM icon for details

Deposit Cheque

Deposit a Cheque
(Mobile App Only)

Deposit a Cheque

Mobile App only

  • Tap Deposit in the menu on the home screen
  • Permission may be required in your phone Settings > Privacy > Camera (iPhone) or Settings > Apps (Android) section – make sure camera access for the app is turned on
  • Select Get Started if prompted
  • Follow the prompts

Transfer Money

Transfer Money Between Accounts

Transfer Money Between Accounts

  • Click Transfers from the menu
  • Select the option that you want
  • Enter the transfer details
  • Click Review, ensure details are correct and Confirm

Transaction History

View Transaction History

View Transaction History

  • Click on Accounts in the menu (My Accounts in Online Banking)
  • Select the Account you’d like to review

Tip: Use the Search feature to look for specific transactions.

CRA Direct Deposit

Direct deposit is the most convenient way to receive your Canada Revenue Agency (CRA) payments. Your CRA benefits, pension, disability and child tax credits will be sent directly to your bank account.

Sign up for CRA direct deposit with these easy steps:

1. Login to your PenFinancial Online Banking
2. Select Account Services from the menu
3. Select Set Up CRA Direct Deposit
4. Follow the steps

That’s it! No need to mail in a VOID cheque or login to a government website. No need to cash cheques anymore, either. If you have any questions, a PenFinancial Advisor can help.


Computer Icon

Online Banking

PenFinancial Online Banking provides access to your accounts so you can transfer funds, check balances, pay bills, send INTERAC e-Transfers, view your pre-authorized debit and withdrawal information, and more.


  • Responsive design that automatically adjusts to your screen size with easier to read text
  • View your pre-authorized debit and withdrawal information right on your computer

Please note Internet Explorer is no longer supported by our Online Banking platform.


PenFinancial Mobile App

Mobile App

With the PenFi Mobile App, you’ll enjoy the same features as Online Banking with a banking experience designed specifically for your mobile device. 

The App is free to download for both iOS and Android users. 


  • Touch and Face ID login
  • Remote cheque deposit
  • View your pre-authorized debit and withdrawal information directly in the app


Have Questions? We’re here to help!


Read through the How-to guides for digital banking tips.


Do you need your Online Banking reset? Are you locked out? Call our Contact Centre at 1-866-866-6641 if you have any questions.