Ways to Bank


Manage your finances quickly and securely — any way you like

PenFinancial Credit Union offers a full range of service delivery options, in addition to personalized services at branch locations. Whether you prefer online banking, mobile banking, or ATM access, you’ve got secure choices. At PenFinancial, it’s easy and convenient to do all of your banking when and where YOU want.

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 provide you with step-by-step tips to help you customize your digital banking experience.

Visit the digital banking resource centre →

Learn more about 2-Step Verification →

REMINDER! We will not send you links from the same source that 2SV codes are sent from

Please exercise caution and DO NOT click on any links you receive in a text message or email from us that does not contain to your 6-digit 2-Step Verification code. We want to assure you that during the 2SV process, we will never ask you to click on any links to log in. If you happen to receive any suspicious messages or links, please don’t hesitate to let us know by giving us a call at 1-866-866-6641 or by filling out our contact form. Your security is our utmost priority.

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Online Banking

Pay your bills, transfer funds between accounts, transfer to others with Interac e-Transfer®, and handle most of your daily banking needs with PenFinancial Online Banking.

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


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Mobile banking

Use your smartphone or tablet to check your balance, deposit cheques, and manage your everyday banking with the PenFinancial mobile banking app.  

See what's new →


In-branch banking

For specialized services, like investment planning and also day-to-day banking services at the counter, we have branches across Niagara and Haldimand County.

Find a Branch →

Book an appointment online →

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Debit cards & ATMs

Use your debit card to transfer money, pay bills, and access cash at over 45 ding free® ATMs across Niagara and 3,600 ATMs across Canada—and NEVER pay additional surcharges!


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Mobile Wallet

Use your PenFinancial debit card with your smartphone's mobile wallet for contactless payment. This convenient feature is available on iPhone, Samsung, and Android phones.

Setup video for iPhone →

Setup video for Samsung →

Setup video for Android →

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ClickSWITCH transfer service

Switching financial institutions doesn’t have to be hard. Easily transfer your automatic payments and direct deposits online with ClickSWITCH. Your PenFinancial Advisor can help you get set up.

Talk to an Advisor →

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. Its important to stay diligent to help prevent fraud. 

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

Fraud Prevention centre →

Our truly local Contact Centre is available to answer your questions

Call us at



Mon-Wed: 8:30 am - 5:30 pm
Thurs-Fri: 8:30 am - 6:00 pm
Sat: 9:00 am - 1:00 pm

Should you prefer to visit a branch in person, you can find a list of our locations here.