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.

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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 →


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.