Skip to Main Content
Log In Accounts
Checking & Savings
Checking iconChecking
All Checking Accounts
Free Checking
Access America Checking

Grow your everyday cash

Savings iconSavings
All Savings Accounts
Premium Online Savings

Save more, earn more

Regular Savings
Certificates iconCertificates
All Certificates
Money Market Certificate

Great rates, guaranteed returns

IRA IconRetirement
All Retirement
IRA Certificate

Locked-in retirement growth

IRA Savings

Secure retirement savings


Credit Cards
Credit card iconCredit Cards
All Credit Cards
PenFed Power Cash Rewards® Visa Signature®

Unlimited cash back

PenFed Pathfinder® Rewards Visa Signature®

Travel points and perks

PenFed Platinum Rewards Visa Signature®

Earn on gas, groceries & more

PenFed Gold Visa®

Save on interest

Learn more resources iconLearn More
Resource Center
Featured Articles
Disclosures
Contact Credit Cards

Card support and management


Autos
Auto loans iconAuto Loans
Purchase
Refinance
Car Buying Service

Powered by TrueCar

Shield iconProtection
Vehicle Protection
GAP Coverage
Debt Protection
Learn more resources iconLearn More
Featured Articles
Autos FAQ
Autos Form
Resource Center

Homes
call expert icon

Talk to a Home Loan Advisor

Available

Mon-Fri: 8 am - 8 pm ET
Sat: 9 am - 5 pm ET

Call Now
Buy a home iconBuy a Home
Get Started
Why PenFed Home
Find Your Home
Get Pre-Approved
Refinance loan iconRefinance Your Loan
Start Your Refinance
Refinance Calculator
Home equity iconUnlock Your Equity
HELOC

Home Equity Line of Credit

Cash-Out Refinance
Sell Your Home
Resources iconRates & Resources
Current Rates
Learning Center

Articles about mortgage, home equity, and more

Contact Home Team

Make an inquiry, discuss existing loans, and more

Mortgage Calculator

Loans
Loans iconPersonal Loans
All Personal Loans
Debt Consolidation
Home Improvement
Personal Use
Student loans iconStudent Loans
Student Loans
Learn more resources iconLearn More
Featured Articles
Loans FAQs
Loans Forms

Resources
Learning hub iconLearning Hub
Learning Center
Mortgage Knowledge Center
Security lock iconSecurity & Fraud
Security Center
Fraud Prevention
Information iconAssistance
Foundation

Empowering veteran transition

Financial Assistance Center

Relief options and financial assistance

Natural Disaster Assistance

Emergency relief assistance

Learn more resources iconHelpful Links
Wealth Management

Financial advice tailored for you

New Members
Member Discounts

About
Penfed logoAbout PenFed
About Us
Sponsors
Partners
Careers
Foundation

Empowering veteran transition

Contact Us

Log In Accounts Join Today
  • Contact Us
  • FAQs
  • Forms
  • ATMs & Branches
Routing #256078446
Copied to clipboard
Checking icon Checking
All Checking Accounts
Free Checking
Access America Checking

Grow your everyday cash

Savings icon Savings
All Savings Accounts
Premium Online Savings

Save more, earn more

Regular Savings
Certificates icon Certificates
All Certificates
Money Market Certificate

Great rates, guaranteed returns

IRA Icon Retirement
All Retirement
IRA Certificate

Locked-in retirement growth

IRA Savings

Secure retirement savings

Contact Us
FAQs
Forms
ATMs & Branches
Routing #256078446
background-promo
Deposit cash where you shop
checking global nav

Add funds to your account at participating retailers nationwide.

Learn More

Credit card icon Credit Cards
All Credit Cards
PenFed Power Cash Rewards® Visa Signature®

Unlimited cash back

PenFed Pathfinder® Rewards Visa Signature®

Travel points and perks

PenFed Platinum Rewards Visa Signature®

Earn on gas, groceries & more

PenFed Gold Visa®

Save on interest

Learn more resources icon Learn More
Resource Center
Featured Articles
Disclosures
Contact Credit Cards

Card support and management

Contact Us
FAQs
Forms
ATMs & Branches
Routing #256078446
background-promo
Enjoy unlimited cash back with no caps or restrictions!
credit cards global nav

Earn more on every purchase with a PenFed cash back card.

Learn More

Auto loans icon Auto Loans
Purchase
Refinance
Car Buying Service

Powered by TrueCar

Shield icon Protection
Vehicle Protection
GAP Coverage
Debt Protection
Learn more resources icon Learn More
Featured Articles
Autos FAQ
Autos Form
Resource Center
Contact Us
FAQs
Forms
ATMs & Branches
Routing #256078446
background-promo
Park Yourself Here
auto loans

PenFed Auto is your ultimate destination to shop, finance and own your vehicle.

Learn More

background-promo
call expert icon

Talk to a Home Loan Advisor

Available

800-970-7766

Mon-Fri: 8 am - 8 pm ET
Sat: 9 am - 5 pm ET

Buy a home icon Buy a Home
Get Started
Why PenFed Home
Find Your Home
Get Pre-Approved
Refinance loan icon Refinance Your Loan
Start Your Refinance
Refinance Calculator
Home equity icon Unlock Your Equity
HELOC

Home Equity Line of Credit

Cash-Out Refinance
Sell Your Home
Resources icon Rates & Resources
Current Rates
Learning Center

Articles about mortgage, home equity, and more

Contact Home Team

Make an inquiry, discuss existing loans, and more

Mortgage Calculator
Contact Us
FAQs
Forms
ATMs & Branches
Routing #256078446
Loans icon Personal Loans
All Personal Loans
Debt Consolidation
Home Improvement
Personal Use
Student loans icon Student Loans
Student Loans
Learn more resources icon Learn More
Featured Articles
Loans FAQs
Loans Forms
Contact Us
FAQs
Forms
ATMs & Branches
Routing #256078446
background-promo
Personal Loans made easy
personal loan

From home repairs to dream trips, PenFed makes it happen.

Learn More

Learning hub icon Learning Hub
Learning Center
Mortgage Knowledge Center
Security lock icon Security & Fraud
Security Center
Fraud Prevention
Information icon Assistance
Foundation

Empowering veteran transition

Financial Assistance Center

Relief options and financial assistance

Natural Disaster Assistance

Emergency relief assistance

Learn more resources icon Helpful Links
Wealth Management

Financial advice tailored for you

New Members
Member Discounts
Contact Us
FAQs
Forms
ATMs & Branches
Routing #256078446
background-promo
Wealth built for you
wealth management global nav

Life throws a lot your way. Let PenFed Wealth Management be your partner in building a secure financial future.

Learn More

Penfed logo About PenFed
About Us
Sponsors
Partners
Careers
Foundation

Empowering veteran transition

Contact Us
Join Today
Popular Searches:
PenFed Routing #256078446
Check status of my loan application...
Security Center
Log In Accounts
  1. Home
  2. Digital Wallet
digital wallet payment with iphone

PenFed digital wallet

Your PenFed card & your phone will change the way you pay.

How To Enroll
How It Works
FAQs

Add your card to Apple Pay, Google Pay, or Samsung Pay

Apple Pay

Your PenFed card and Apple Pay will change the way you pay.

How to Enroll

Samsung Pay

It’s simple, secure, and works in more stores than any other mobile payment service.

How to Enroll

Google Pay

With Google Pay, pay wherever you are — in apps, stores, and online.
 

How to Enroll
a girl watching mobile

Pay on the go with your phone or wearable

Add your PenFed cards to your device so you can start using it to pay for things quickly and securely in-store, in-app, or online.

Mobile payment with phone

How your digital wallet works

Upload your PenFed Visa® card to make purchases right from the convenience of your smartphone.

Checkmark Icon

Add eligible cards to your digital wallet you’d like to use.

Checkmark Icon

Access your digital wallet and choose your PenFed card when you check out at a participating business.

Checkmark Icon

Receive payment confirmation on your device.

FAQs

There is no cost from PenFed to use your digital wallet. Your credit card terms and conditions and/or your debit card’s membership agreement rules apply for purchases.

All PenFed credit or debit cards work with digital wallets.  You may not always see the exact card image that matches your plastic card. That should not change the way you use and transact in your digital wallet.

Yes, but the number of cards you can add may vary by digital wallet.

You can add any eligible PenFed credit or debit cards, including cards that you may have already loaded, into multiple digital wallets.

Purchases made with your PenFed credit or debit cards have Visa’s Zero-Liability* Protection for any unauthorized card transactions. This means that you will not pay for any unauthorized transactions as long as they are reported promptly. Certain limitations apply. Please see your cardholder or membership agreement for complete details.

If your card has been lost, stolen, or damaged, contact us immediately on the PenFed customer support number available in your wallet or by logging into PenFed Online and going to your credit card account. Go to Help for call center hours, our international phone number, chat help, or to submit a servicing form 24/7.

Disclosure

*

Visa Zero Liability Policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa. Cardmembers must notify PenFed promptly of any unauthorized use.

  • ATMs & Branches
  • Careers
  • Foundation
  • Contact Us
  • Security Center

This credit union is federally insured by the National Credit Union Administration. Rates are current as of June 2026 unless otherwise noted and are subject to change.

APY = Annual Percentage Yield
APR = Annual Percentage Rate


  • facebook
  • twitter
  • linkedin
  • youtube
  • instagram
Download the PenFed app on Apple Store Download the PenFed app on Google Play
Read More about Equal Housing
Routing #256078446

©2026 Pentagon Federal Credit Union

Privacy
Disclosures
Fees
Rates
Forms
Site Map
Hands on laptop

We value your feedback!

Head’s Up!

You are about to visit a third-party site not affiliated with PenFed.org.

penfedcu.sparrowfi.com sparrowfi.com penfed and traveller logo penfed and seguros logo penfed and national car logo penfed and trustage logo PenFed and CampusDoor logo PenFed and Ascent logo PenFed and Ascent logo penfed and househappy logo penfed and benefit services logo penfed and chubb logo penfed and alpha logo penfed and crutchfield logo penfed and ftd logo1

This content is from a third-party website. PenFed Credit Union is not responsible for its information.

Continue