Penny is voice-only. We recommend chat support or visiting a branch for accessible service.
Joint account holders can use Penny for most services. Only the primary account holder can reset digital banking credentials.
No. Only our Member Consultants can enroll you in voice authentication during a live call.
Not directly. You’ll need to speak with a Member Consultant to recover it. If you’re enrolled in digital banking, you can also find it under: Profile > Settings > Tap your name > Member number > ⋯ > Reveal.
On checks, it usually starts with 14000 after the routing number.
Yes. Penny can help most members reset their password. Only the primary account holder can complete a reset, and the reset link will be sent to the primary’s email or phone number on file. If you haven’t logged in for over a year, Penny will connect you with a Member Consultant for security reasons.
Yes. Penny can give balances and transactions for business accounts. For password resets or more complex business services, she’ll transfer you to a representative.
Penny can give you loan balances and recent loan payments. For credit cards, she can confirm balances and process payments. For more complex servicing—like disputes, fraud, or modifications—she’ll connect you to a Member Consultant.
Not everything. But Penny’s always learning. Today she can help with balances, transactions, password resets, payments, transfers, and blocking or unblocking cards.
No. Penny can only make payments from your Truity accounts under your same member number. She cannot use outside sources like other bank accounts, credit cards, or debit cards to pay a Truity loan or credit card.
Yes. Penny can move money between your Truity accounts under the same member number. She can’t transfer to outside accounts.
No. If you’d prefer to speak with a Member Consultant, just press 0 at the main menu.
Right now, Penny speaks English only. We’re exploring other language options for the future.
She verifies your identity using your member number, the last four digits of your SSN, and a one-time code sent to your phone.
Find your member number:
– In digital banking: Profile > Settings > Tap your name > ⋯ > Reveal
– On your checks: It usually starts with 14000 after the routing number.
You’ll hear a different voice when Penny steps in after you select a supported option. She’ll introduce herself and guide you through the task.
Absolutely. Penny uses the same secure authentication and protocols as our Member Consultants.
Yes. Penny works 24/7 so you can get help anytime, day or night.
Penny isn’t a real person, but she can help you with many everyday banking tasks—quickly and securely. If she can’t help, she’ll transfer you to a Member Consultant. And because Penny captures details upfront, your consultant can assist you faster.
Penny will temporarily block your debit or credit card so no new charges can be made. When you’re ready, you can unblock it. If your card is lost, stolen, or used fraudulently, Penny will connect you to a Member Consultant for additional help.
Penny will ask you to repeat yourself. If she still can’t help, she’ll transfer you to a Member Consultant.
Penny will ask if you’d like her to try another number on file. If that doesn’t work, she’ll connect you with a Member Consultant.
Penny is Truity’s 24/7 digital assistant. She can check balances, find transactions, reset your password, make payments, transfer funds, and block or unblock your debit and credit cards.
Yes. If she can’t complete your request or doesn’t understand, she’ll transfer you to a Member Consultant.
Absolutely. We review Penny’s conversations regularly to improve her accuracy and expand what she can do.