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Getting Started

Signing Up

Registering for Penny is easy -- just click  “Sign Up” to get started. We’ll just ask you to provide us a few details about you and your business in order to register.

Applying will only take a few minutes provided we obtain accurate information about you and your business! In the off-chance that you do run into any difficulties during the application process, let us know and we’ll be more than happy to walk you through the process to ensure that it’s smooth sailing with Penny.

Funding Your Account

Once your application has been approved, you can instantly link a bank account, go to the Funds tab and click the "Settings/Funding" button in the side menu, you'll enter your online banking credentials to complete the verification process. Most major banking institutions support instant bank account verification.

If your bank does not support instant bank account verification, you will need to use the Deposit Verification method by notifying support with your routing and account numbers. In about 1-2 business days, you'll see two small deposits in the account activity of the bank account you connected. Send the 2 values to and we will verify your account.

Order Plastic and Virtual Penny cards

Order Plastic Penny Mastercard cards for each of your employees, you can proactively configure spend controls for each card, giving yourself peace of mind, and an easy way to track business spend. For each Penny employee card you order, you’ll be prompted to fill out details about the intended cardholder.

Penny cards are printed and delivered to your business address within 7-10 business days. Once you receive the Penny cards in the mail, the cards are already activated and are ready to be loaded from Penny Central, the administors portal.

Adding Admins

Lastly, you can add Admins to the Penny account. Admins can be granted specific permissions to view and/or manage certain aspects of the Penny account. This option is fitting for someone that helps you manage your business operations and expenses, like an assistant, accountant, or bookkeeper.  Admins can optionally be issued a Penny card at no additional cost.



Are you ready?

Sign up for an account today!