PenFed

Does PenFed have Zelle? Yes. PenFed Credit Union offers Zelle in the PenFed Mobile App and online banking and charges no fee to use it. PenFed sets no limit on money you receive. It charges $25 for an outgoing domestic wire, $30 for an international one and nothing to receive a wire. Outgoing domestic wires must be requested by 4:00 PM ET.

At a glance

• ZelleYes, in the PenFed Mobile App and online banking
• Zelle limitsNo limit on receiving
• Domestic wire out$25
• Incoming wire$0
• International wire out$30
• Wire cutoff4:00 PM ET domestic, 3:30 PM ET international (outgoing)

Sources: Zelle at PenFed · Current service fees · Membership Disclosures · Checked on September 27, 2026

Zelle at PenFed

“Zelle is a fast, safe, and free way to send and receive money to friends and family in the PenFed Mobile App.” Enroll or log in to mobile or online banking and select “Send Money with Zelle”. “PenFed does not charge any fees to use Zelle in the PenFed mobile app.”

“At PenFed, there are no limits to the amount of money you can receive with Zelle.” For send limits, its Zelle page tells you to ask customer service.

Source: Zelle at PenFed (undated) · Checked on September 27, 2026

Wire transfers at PenFed

PenFed’s Membership Disclosures set the outgoing wire cutoff at 3:00 PM CT (4:00 PM ET) for domestic wires and 2:30 PM CT (3:30 PM ET) for international wires; incoming wires are processed until 3:30 PM CT (4:30 PM ET). PenFed’s Money Movement help page shows different times, 3:00 PM ET for both and 12:00 PM ET for Canada, but the disclosures and the FAQ agree on the times above.

You send an outgoing wire by calling a PenFed Member Service Representative. You typically have up to 30 minutes after a domestic wire is sent to ask for a recall; PenFed tries to recall an international wire but does not promise it. PenFed can receive international wires that do not require a SWIFT code.

Source: Current service fees, page undated · Membership Disclosures, Form 794, effective January 2026 · Money Movement (undated) · Checked on September 27, 2026

External transfers (ACH)

For ACH transfers you start at PenFed with a registered external account, “The daily limit is $2,500 for incoming transfers and $2,500 for outgoing transfers”; it may be higher with tenure and history. Premium Online Savings has its own limits of $50,000 incoming and $25,000 outgoing per day. ACH deposits are available by the 5th business day after the transfer date. Transfers started at PenFed.org are free; one made through Member Service costs $5.

Source: Membership Disclosures, Form 794 (effective January 2026) · Current service fees (undated) · Checked on September 27, 2026

If a transfer is late or went wrong

If a Zelle payment has not arrived, read Zelle payment pending; to stop one, see cancel a Zelle payment, and if you were tricked, Zelle scam refund. For wires, see wire transfer not received and how long do wire transfers take; a domestic wire recall has a short window. For external transfers, see ACH transfer pending. Contact PenFed through the number on your card or in the app.

Fees and limits can differ by account type; your account agreement is the final word.