• Welcome to PenFed

    Where members do better.

    Information for transitioning Energy Federal Credit Union members.


    Not an Energy Federal Credit Union Member?

    Click Here 

    Frequently Asked Questions:

    PenFed Online

    How do I setup online banking access?
    Beginning January 1st, use the PenFed Member number and Security Code that you received in the mail, select the “Create Online Account” button above and follow the prompts. More information about the enrollment process can be found here.  

    How can I view my recent transactions?
    View your recent transactions by clicking on the account name that you want to view. You can also expand the “More account info and actions” field for that account and select “View Transactions.”

    Where can I find my statements?
    As statements are generated, you can view them online by selecting “Statements & Documents.” Note that your final Energy FCU statement will be mailed in early January 2017. For older Energy statements, please contact us.

    Can I access my account using my smartphone or tablet?
    Yes, the PenFed mobile app is available for iPhone, iPad and Android products. The mobile app will allow you to view your accounts, make deposits and transfers, and even set travel notifications for your PenFed credit and debit cards.

    Deposits and Transfers

    Do I have to change my direct deposit and allotment?
    No, your direct deposits, allotments, and electronic transfers (including retirement and Social Security) will automatically be redirected to your PenFed account starting January 1st. However, future direct deposits and transfers should be established using your PenFed account and routing number.
    PenFed’s routing number is: 2560-7844-6.

    Will my Energy FCU checks still be honored?
    Yes, your checks will continue to be honored for at least six months after the merger date. However, we recommend you start using your PenFed checks as soon as you receive them.

    How can I find a branch or ATM?
    During the merger, Energy FCU branch locations will be converted to PenFed branches and Energy ATMs will become part of the PenFed ATM network. You can use our ATM & Branch Locator to find a PenFed location near you.

    What other options do I have for depositing or withdrawing funds?
    You can transfer funds to or from your external accounts using the “transfers” menu on PenFed online. You can also request a check withdrawal or Western Union through this menu. Deposits can be made from the Mobile Deposit feature of our mobile app, or if you prefer to mail deposits and payments, our mailing addresses can be found here.

    Debit and Credit Cards

    Can I still use my Energy FCU debit card?
    You will be able to use your Energy FCU debit cards through the end of business on Saturday, January 21st. However, we recommend you activate and begin using your new PenFed debit cards on January 1st or soon thereafter.

    Why can’t I see my credit card on PenFed Online?
    Energy FCU credit cards will be converted to PenFed cards in early February. You will be able to view them on PenFed Online at that time. You can continue to use your Energy FCU credit cards in the meantime. You can make credit card payments in either of the following ways:

    • Mail:
      Payments - VISA
      P.O. Box 71050
      Charlotte NC 28272-1050
    • Phone: 1-866-820-5996

    Paying Bills

    Does PenFed offer a Bill Pay service?
    Yes, for members with an Access America Checking account, PenFed offers free Access Bill Pay.

    Do I need to reenter my Bill Pay information?
    Yes. Energy FCU bill pay users will need to establish an Access Bill Pay account in PenFed Online and enter their billers into the system. One-time and reoccurring payments can then be set up.

    Any bills scheduled to be paid after December 30, 2016 will not be paid by either bill pay service. Members should make arrangements to manually pay any bills due early in the month of January 2017 to ensure payments are not missed.

    How do I access Bill Pay?
    Simply click “pay bills” when logged on to PenFed Online. Click here for more help with using Access Bill Pay. 

    For any other questions, please contact us.