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PenFed Review

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Reviews 1,010

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Alex McOmie
Alex Mcomie
Jun. 22, 20214 min read

PenFed summary

PenFed is one of the largest credit unions in the United States. It offers competitive student loans and student loan refinancing options for students, parents, and spouses through a partnership with Sallie Mae. With no prepayment fees, a variety of loan options, and a convenient online application, it’s one of the top lenders to consider in 2020.

Pros

  • No prepayment fees
  • Possibility to consolidate partner’s loan through spouse loans

Cons

  • May require a strong credit history
  • Not a direct lender
PenFed at a glance
4.2

Editorial score

Online experience

Has learning resources, access to rates, mobile app

5.0

Customer services and support

Multiple ways of reaching lender, wide range of hours

4.0

Repayment flexibility

Offers multiple repayment plans- but no special repayment programs

4.0

Loan Types Covered

Covers most student loan types

4.0

Eligibility

Doesn't cover bad credit, low income borrowers

4.0

PenFed  PenFed View Rates

Suitable For?

Whether you’re looking for a new student loan, a parent loan, or refinancing on an existing loan, PenFed provides affordable rates and an easy online application. It also allows partners to consolidate their own separate loans into a combined spouse loan with one easy payment.

Loan Features

PenFed offers a number of loan types through a partnership with Sallie Mae. Along with loans for parents and undergraduate students, they also provide targeted loans for graduate students attending business school, medical school, dental school, law school, and more. Many loans come with four free months of Chegg study, which includes solutions to textbook questions and 24/7 professional availability.

The Application Process

When you select a PenFed loan, you’ll be redirected to the Sallie Mae website to complete their online application. After choosing a loan type, the form will ask for some basic information including your status (student/cosigner/sponsor), the school you’re attending. From there, it will provide details about the available loans and ask if you want to continue.

All things considered, the application process is relatively seamless, and you’ll be able to receive a result in as little as 15 minutes. Remember that Sallie Mae is the creditor for PenFed student loans—you’ll be applying to, getting money from, and making payments to Sallie Mae rather than PenFed.

It's important to note, that while PenFed is a credit union, you do not need to be a member in order to apply. If you choose to accept the loan you will become a member for free. 

Loan Terms

PenFed offers a variety of loans together with Sallie Mae, and your loan may have different terms depending on what you’re looking for. That said, most new loans have flexible maximums, allowing borrowers to take out anywhere from $1,000 up to the full cost of attendance as certified by their institution.

Repayment Terms

The specific terms of your loan will depend on a number of factors including your credit and the type of loan you’re applying for. For refinancing loans, fixed rates range from 2.89% - 4.55% while variable rates go from 2.13 - 5.25%.

Furthermore, there are no prepayment fees, so you’ll have the opportunity to pay off the loan more quickly in order to save money on interest. Most loans run from between five and fifteen years, but again you can always pay it off more quickly if you have extra cash on hand.

Sallie Mae also offers deferments for up to 60 months for undergraduate loans and 48 months for most graduate student loans. Keep in mind that interest will continue to accumulate throughout the deferment, which could lead to greater total interest payments.

How Safe Is It? 

As mentioned earlier, PenFed offers student loans through a partnership with Sallie Mae, which is one of the largest and most well-known student loan providers in the United States. While Sallie Mae is a private lender, it’s still a safe option if you’re looking to borrow money.

Similarly, PenFed itself is one of the largest credit unions in the United States, and it has a strong reputation that dates back to the 1930s. Make sure to enable two-factor authentication on your account in order to keep your information as safe as possible. The platform’s secure messaging options will also enable you to contact support without putting any sensitive data at risk.

Help & Support

PenFed offers an informative set of 29 FAQ articles covering common questions about their services. There are also several ways to contact their team directly for additional assistance—you can call, fax, send an online message, or securely upload a support request. 

Phone support is available in the United States from 7 AM to 11 PM Eastern on weekdays, 8 AM to 11 PM on Saturdays, and 9 AM to 5:30 PM on Sundays. Their contact phone numbers are 724-473-6333 and 1-800-247-5626.

Summary

PenFed has everything most borrowers are looking for in a student loan provider: competitive rates, a reliable lending history, numerous loan and refinancing options, and an easy online application process. Whether you’re looking for a student loan, parent loan, spouse loan, or refinancing, PenFed is a good place to start—particularly if you have a strong credit history.

Physical Address

2930 Eisenhower Avenue

Alexandria, VA 22314

13220 Fort Street

PenFed  PenFed View Rates

Alex McOmie
Written byAlex Mcomie

Alex serves as the Managing Editor for Money Done Right and covers personal finance topics for Eleven Writing. He’s particularly interested in the way seemingly small adjustments can transform a person’s financial outlook. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

PenFed
PenFed
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  • author
    Nat
    a day ago
    The light in the darkness

    An amazing financial institution that provides prompt, efficient, and fair service. I know this may sound a little hyperbolic but it is deserved. Penfed is the greatest financial institution I have ever had the pleasure of being a member. In fact, they are on par with any institution I have ever did business. The difference is they treat you like family. That is with respect, dignity, and they go the extra mile. I cannot say enough good things to convince you, so I recommend anyone looking for an out of this world financial experience to give them a try for yourself. The proof of the pudding is in the eating as we used to say. They are indeed the pudding you seek. I know, it sounds to good to be true but it is definitely that.

    ...

  • author
    HANNAH
    Jan 01, 1970
    The best Credit Union……

    Penfed does not charge burdensome fees like origination fees etc. They are known for prompt action and customer satisfaction. They are simply the best.

    ...

  • author
    Ahmed Foula
    Jan 01, 1970
    Very bad experience

    Very bad experience

    ...

  • author
    Avis Harrold
    Jan 01, 1970
    Easy approvals with 24 hours and funding

    I needed a personal loan and I went to my go to which is USAA. When I went to their sight I couldn't get the amount of funds that I needed. Their website wasn't user friendly. So then I went to Pentagon Federal Credit Union. To my suprise the entire application process was easy and so was their approval of the funding that I needed. The funds were available with a 24 hour time span. I've never had a process so quick nor easy. For future financial needs the Pentagon Credit Union will be my first choice. Great rates and easy application experience.

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  • author
    David L Riding
    3 days ago
    It's a Blockbuster!

    I filled out a short application for what I consider a blockbuster of a credit card and less than a week later it's on it's way to me. What I really like is 5% at Gas Stations. At today's prices that is a serious discount! There's also 3% at Supermarkets and Restaurants! I figure that these are things that I have to spend my money on every day, so why not get some of it back each month and write one check for the month for the whole thing! Makes sense to me!

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  • author
    EILEEN BONFIGLIO
    Jan 01, 1970
    Superior

    Superior, secure website design makes any task simple and easy to complete! I was on boarded in under five minutes!

    ...

  • author
    john turpen
    Jan 01, 1970
    Awesome Pended was awesome I was able to apply…

    Pended was awesome I was able to apply and it was easy really professional and courteous

    ...

  • author
    KARLA
    Sep 25, 2022
    Sadie the young lady I spoke to was…

    Sadie the young lady I spoke to was very kind and helpful Process over phone was done quickly and efficiently.

    ...

  • author
    Dr Sylvester Caraway Jr
    Sep 24, 2022
    You Can't Get A Financial Institution…

    You Can't Get A Financial Institution To Be More Awesome. Then PenFed. Thanks PenFed

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  • author
    Juanita Lee
    Sep 24, 2022
    Applying with PenFed was a great…

    Applying with PenFed was a great experience. Fast and easy, awesome rates better than I expected.

    ...

  • author
    Jason Stearns
    Sep 23, 2022
    Excellent Credit Union!!

    Excellent Credit Union with competitive rates and products! Highly recommended.

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  • author
    Ellis Atkins
    Sep 22, 2022
    So far my experience have been great

    So far my experience have been great

    ...

  • author
    Wally Moore
    Sep 22, 2022
    Application process quick safe

    Application process quick safe

    ...

  • author
    Melville Kidd
    Sep 22, 2022
    Great service

    Excellent communication and easy set-ups.

    ...

  • author
    Tessa Lorraine Andrews
    Sep 22, 2022
    Easy as 1 2 3

    Easy to apply to

    ...

  • author
    Mari Silva Boschetti
    Sep 18, 2022
    Excellence service

    Excellence service

    ...

  • author
    Rocko Live
    Sep 18, 2022
    PenFed is an excellent financial…

    PenFed is an excellent financial institution. They offered me a credit card with an excellent rate and credit line. I received a pre approved application in the mail and was approved easily. The application process was streamlined. I’ve been with Bank of America for over 20 years and they have never offered me anything. Thanks PenFed!

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  • author
    Christopher Burgess
    Sep 15, 2022
    Application process was amazingly…

    Application process was amazingly efficient and very easy to use.

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  • author
    C Keeper
    Sep 14, 2022
    PenFed is great

    PenFed is great, fast and reliable service. I have been using them for over 20 years. Highly recommended.

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  • author
    Gregory Bryant
    Sep 13, 2022
    Fantastic agent was polite and very knowledgeable and helpful.

    Fantastic agent. The agent was very polite and knowledgeable and helpful.

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  • author
    Navjot
    Sep 12, 2022
    Excellent Bank!!

    Great array of products and services to choose from depending on needs and situations. Really nice website and fast service :)

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  • author
    JIM LANDERS
    Sep 11, 2022
    Best easy service

    Best easy service

    ...

  • author
    Robert
    Sep 11, 2022
    Credit card was approved quickly and…

    Credit card was approved quickly and interest was a bit lower than most.Customer service was very helpful and they have generous rewards program.

    ...

  • author
    rogelio rivera
    Sep 09, 2022
    Excelente servicio

    Servicio de excelencia

    ...

  • author
    Rosemary
    Sep 09, 2022
    PenFed has been incredible to work with…

    PenFed has been incredible to work with and quick to turn a response around to loans, credit cards, etc. One the best banking institutions I have ever had the pleasure of being a member.

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  • author
    Customer
    Sep 06, 2022
    I thought the process with PenFed was…Super Fast and Easy

    I thought the process with PenFed was super easy with easy to follow instructions and a very quick response on status.

    ...

  • author
    Owen
    Sep 06, 2022
    Excellent process

    Excellent process

    ...

  • author
    Brian Chalfin
    Sep 04, 2022
    Quick and easy

    Quick and easy process. The app is user friendly.

    ...

  • author
    Dom Derosa
    Sep 03, 2022
    PenFed's on-line application process…

    PenFed's on-line application process was very easy to navigate. Their website is also very easy to use and provides all the services and information needed. Overall, a great experience!!!

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  • author
    Scott Schumacher
    Sep 01, 2022
    Great rates and excellent system to apply.

    I've never applied for a personal loan online before. Every loan I've gotten took days, sending in documents, information and returning signatures. But geez, I was just checking rates and in a few minutes, I was approved and the money was being deposited. Great rates and great system.

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  • author
    Anthony L Billups
    Aug 31, 2022
    An Awesome Blessing

    An Awesome Blessing, Shalom!

    ...

  • author
    BRIAN
    Aug 31, 2022
    Fantastic people to do business with

    Fantastic people to do business with , excellent customer service , great rates, if you take care of them , they will return the favor and take care of you - Highly trust & recommend !!!!!

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  • author
    Angel Irizarry
    Aug 29, 2022
    Easy simple application

    Easy simple application, super convenients steps to where you want to and excellent rates !!

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  • author
    Terry O'Hora
    Aug 28, 2022
    I recently applied for another credit…

    I recently applied for another credit card from Penfed, and they graciously gave me one. SO easy with their superior online site - such a great Credit Union. So much so that I intend to purchase my 2023 Ford Van thru PenFed!

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  • author
    Jamieson Kittell
    Aug 28, 2022
    Perfect …

    My experience with penfed has been nothing but exceptional great service and pain free application process

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  • author
    Gloria Williams
    Aug 28, 2022
    Excellent service

    Excellent service, ease of use, and competitive rates and wide variety of products

    ...

  • author
    JONI APRIL PENLEY MARRERO
    Aug 27, 2022
    Excellent customer service

    Excellent customer service, always took my calls and assistance with technical issues as the app. Very impressed

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  • author
    moustafa el maghrabi
    Aug 25, 2022
    Trust worse bank

    Trust worse bank

    ...

  • author
    Robin S. Hall
    Aug 25, 2022
    They are not what I consider a…

    They are not what I consider a Reputable Company.

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  • author
    Juliet C. F
    Aug 25, 2022
    Didn't expect a pre-qualified letter.

    Didn't expect a pre-qualified letter. Gave myself a chance to apply. Was so surprised, bank gave a very high credit limit !

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  • author
    Evelyn Goshorn
    Aug 25, 2022
    Easy process

    The process of applying for a credit card was a smooth drive. PenFed did great!

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  • author
    Timothy Sneller
    Aug 24, 2022
    Explination

    Explanation could better

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  • author
    Kim Ramey
    Aug 24, 2022
    Quick & easy process to apply

    Quick & easy process to apply. Exactly what I was looking for.

    ...

  • author
    Eley Gatling
    Aug 24, 2022
    I bestow glowing commendations for…

    I bestow glowing commendations for EXCELLENT customer service, which seems to be the exception rather than the norm during these challenging times. Empathy is a critical universal human characteristic that promotes positive interpersonal relationships.

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  • author
    TonyP
    Aug 24, 2022
    Excellent customer service

    Excellent customer service

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  • author
    Nereida Del Valle
    Aug 24, 2022
    Easy Banking

    I have been with Penfed for over 6 yrs, has been worth it to me.

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  • author
    Rita Fair-Drake
    Aug 22, 2022
    The whole experience online was quick…

    The whole experience online was quick and easy and in less than a minute I was approved.

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  • author
    Gary D
    Aug 22, 2022
    Review the review? Absurd..

    They want me to review the review? How how?

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  • author
    Prakash Parekh
    Aug 21, 2022
    Love the products and services

    Love the products and services

    ...

  • author
    Lorenzo Phillips
    Aug 21, 2022
    I have had a Pen Fed account since 1982…

    I have had a Pen Fed account since 1982 when I enlisted in the Air Force. I have always felt they had my back in my good times and bad. Now that I'm retired I still trust this business.

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  • author
    Syed Ahmed
    Aug 20, 2022
    Very good customer service

    Very good customer service

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  • author
    Stephen S
    Aug 19, 2022
    A company that really understands customer service

    PedFed has really proven to me that they embrace customer service as a cornerstone to their services. They acquired the company I was with prior, who did not have great service. I didn't know what to expect from them, but happily I have experienced superior customer care on every interaction and transaction. They earned my loyalty for sure!

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  • author
    Ron Young
    Aug 18, 2022
    PenFed provided me with with one of my…

    PenFed provided me with with one of my best experiences dealing with a credit union, they made everything relatively easy. The associates were very thorough and helped me with an issue and it's resolution rather quickly. I would definitely recommend them to anyone that has been in the military or that has worked for the government.

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  • author
    Jeremy Monroe
    Aug 18, 2022
    Unprofessional and unorganized

    Unprofessional and unorganized. All I want them to do is take the $ I’m trying to give them. SOMETHING has been wrong on their end for 5 months straight. CS is unbelievably bad. F.F.S…. I’ve never taken the time to give a review for anything.

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  • author
    Lester Williams
    Aug 16, 2022
    I apply for a refinance home loan and…

    I apply for a refinance home loan and it took the 3 month and they still ask me for update bank statements. So I didn’t send the update statement. I think it’s crazy for it to tak 3 month. I would rather you told me NO than to string me alone plus I paid for the appraisal but I can’t do anything

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  • author
    Marcella Eldridge
    Aug 16, 2022
    My husband was approved an indirect car…

    My husband was approved an indirect car loan. His score is 805 with no blips on his credit bureaus. He was a very happy man driving his new to him truck home. A week later he gets an adverse action letter in the mail. We were in the process of refinancing the truck anyway due to the very high interest rate the "loan" had, with zero issues. I had been in banking for better than 35 years and had been a lender. I have never seen or had this done to anyone. This is a terrible way to do business. In this case, borrower beware! You may think you have a loan just to find out you don't.

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  • author
    Edwin
    Aug 16, 2022
    Very satisfied with the service.

    Very satisfied with the service.

    ...

  • author
    Apple Mack
    Aug 15, 2022
    Online application

    Online application was easy and the response was quick. The limit was Generous 🎉

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  • author
    Darryl Gardner Harris
    Aug 14, 2022
    Just had a pleasant experience No…

    Just had a pleasant experience No problems great staff services just a pleasure to work with.

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  • author
    Jennifer Dulay
    Aug 13, 2022
    The whole process was very fast

    The whole process was very fast. Some of the directions weren't clear, but I called and was what to do and the agent stayed on the line until he was sure the problem was solved.

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  • author
    Richard J Rania
    Aug 13, 2022
    Quick and easy.

    The application process was so quick and easy I thought it might be a scam.. It wasn't, it was just a simple application and approval process.

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  • author
    Henry
    Aug 12, 2022
    The worst credit union I have ever…

    The worst credit union I have ever dealt with! My credit scores are well over 800, and I advise folks to stay away from this unprofessional, ridiculous credit union. If you do join, good luck….

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  • author
    Steve Coffman
    Aug 12, 2022
    Credit application

    Never received email on application status. Had to call.

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  • author
    Mimmy Robinsons
    Aug 12, 2022
    Worth it!

    Penfed Credit Union is excellent to do business with. I applied for a MasterCard and was approved immediately. They help improve my credit score. Also I love that I can transfer my cash rewards to my savings account. That was a great incentive for me.

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  • author
    Eddie W
    Aug 11, 2022
    Penfed competitive rates

    Penfed not only offers competitive rates on credit cards and rewards but above average on interest return rates on both saving and CD accounts. If there is ever a question or an issue; there are resources from phone calls to e-mail access. Someone is always there able and willing to help. You always get a prompt response to keep you updated.

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  • author
    Clark Morin
    Aug 11, 2022
    Overall I'm happy with Pen Fed

    Overall I'm happy with Pen Fed, they stay competitive with interest rates fees etc. I would highly recommend them to others.

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  • author
    pat c
    Aug 11, 2022
    Great Loan Rates

    PenFed has always been my GoTo bank for personal loans. Easy access and great rates!

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  • author
    Marsha Wagner
    Aug 10, 2022
    Great card with generous credit limit…

    Great card with generous credit limit and the website is great

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  • author
    ms DJ
    Aug 10, 2022
    I been a customer with PenFed since…

    I been a customer with PenFed since 2021 since I been with the company I have enjoy all the benefits with them and I do highly recommend them to family and friends. Excellent service and easy to use and operate and customer service wonderful. Thank you for always being there, From Denisha Jackson

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  • author
    Edilio Garcia
    Aug 10, 2022
    Excelente

    Excelente. Muy rapida,atencion.

    ...

  • author
    Rodrigo Dos Santos
    Aug 09, 2022
    Awesome credit union

    Awesome credit union , great products and rates , helping the members to get in a better financial situation !!! Love them and not thinking in changing banks !!!!!

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  • author
    Warren Robinson
    Aug 09, 2022
    A great financial institution.

    A great financial institution. Very easy to work with.

    ...

  • author
    Quantum CPA
    Aug 06, 2022
    PenFed is Excellence in Financial Services

    PenFed is my reliable and trustworthy resource for honest, transparent financial services with unbeatable service and pricing

    ...

  • author
    WIsdom Knowledge
    Aug 06, 2022
    Easy Process!

    I saw this company on the internet. I looked at the rates and rewards. I filled out the application which was an easy process, and I was approved within 2 minutes.

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  • author
    Jeffery Thompson Sr
    Aug 05, 2022
    Credit card application

    I applied for a credit card online and while the application was processing, an error screen popped up on my computer. I didn’t know if my application was accepted or didn’t process. I contacted PenFed by message for assistance. Amanda G. responded in less than 24 hours to inform me that I was approved and would be receiving my credit card in 7-10 business days. Excellent service from PenFed and I am truly satisfied!

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  • author
    PHM
    Aug 05, 2022
    Good institution good rates process…

    Good institution good rates process easy.

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  • author
    OM
    Aug 05, 2022
    I highly recommend Pend Fed

    I highly recommend Pend Fed, their customer service agents are prepared to answer any questions and will walk the extra mile. Their credit card interest rate is much lower compared to other companies. Applying will only take a few minutes

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  • author
    Debbie GUICE
    Aug 05, 2022
    Great service

    Great service

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  • author
    JOHN FISCHER
    Aug 04, 2022
    It was very easy to work with this…

    It was very easy to work with this Company.

    ...

  • author
    Damaris Arroyo
    Aug 04, 2022
    Knowledgeable and friendly

    Knowledgeable and friendly

    ...

  • author
    ely jhn
    Aug 02, 2022
    Excellent financial institution

    Excellent financial institution

    ...

  • author
    oscar alejandro
    Jul 31, 2022
    Excelente servicio y muy satisfactoria

    Excelente servicio y muy satisfactoria

    ...

  • author
    Mike
    Jul 30, 2022
    PFCU Ft. Walton Beach FL Branch

    Visited Fort Walton Beach branch and greeted right away. I was helped in less than 5 minutes. Ms. Gelin Ducati took care of all my banking needs in no time. She also gave me her business card in case I have any other issues later on.

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  • author
    Tony Aragones
    Jul 30, 2022
    This was a great experience to apply…

    This was a great experience to apply for a loan with an enterprise, you only do business, you help the people to have success.

    ...

  • author
    Miriam Rodriguez
    Jul 28, 2022
    Excelente servicio y atenciones

    Excelente servicio y atenciones, rápida tramitación del préstamo.

    ...

  • author
    G Doyle
    Jul 24, 2022
    Since I have been a member

    Since I have been a member, I have always had great interactions with the account specialist to which I have spoken. Always friendly, extremely helpful, and professional. Speaking with them makes you feel that they really care about and want to help you with your questions. Whomever is training their service reps, "Is doing an excellent job"! Also being a senior citizen, I can attest that their people are very patient and understanding. I had a small technical problem logging into the loans page while using Microsoft edge. Had no problem when I signed into Chrome. Their service rep helped me all the way thru. The best financial people I have ever delt with.

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  • author
    Dennis Schneider
    Jul 24, 2022
    the process was simple and…

    the process was simple and straightforward...great Credit Union overall.

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  • author
    ZO VEGAS
    Jul 23, 2022
    PenFed is Fan-Freaking-Tastic!!

    Soft pulls, straightforward processes, and better than competitive rates! Awesome credit union!

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  • author
    Carolyn Harris
    Jul 23, 2022
    PenFed is the only one believed in me

    PenFed is the only one believed in me I was struggling to pay my credit cards off every one I tried turned me down but not PenFed the application was easy they gave me a choice of what I can pay monthly I cried now I can save some money I recommend don't give up go to PenFen they will take away all your stressing

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  • author
    Negatorus
    Jul 22, 2022
    Excellent bank

    Easy to use website, very solid rates and good cash back options and perks. Never had a problem with PenFed.

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  • author
    Dina Miller
    Jul 22, 2022
    The Gold credit card offer is very…

    The Gold credit card offer is very competitive. However, I experienced too many website glitches. The application process was nothing close to quick or seamless. When this happens it would be great to speak with someone without long wait times. I was unable to take advantage of the quick approval application it took 2 days to approve my application. Although, I’m disappointed with my application experience my application was approved. I’m waiting to see the outcome of the interest rate. Sigh My credit score: 844

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  • author
    Lisa Oxner
    Jul 22, 2022
    give you a quick turn around for…

    give you a quick turn around for approved

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  • author
    Sharper
    Jul 21, 2022
    Credit Card Application

    Application for Credit Card was quick and I liked how you could see if you pre-qualified without an impact to your credit.

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  • author
    Matt Keefe
    Jul 21, 2022
    Online loan AP was a breeze.

    I like the online service where you can confirm all the credit information online and get a quick conformation of approval was easy.

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  • author
    Carmen Robinson
    Jul 20, 2022
    Amazing service and Awesome Credit…

    Amazing service and Awesome Credit Union !! Thanks Pen Fed !!

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  • author
    Ron F.
    Jul 20, 2022
    Scam Credit Union

    They offer you an account, then after you sign up and get “approved” they place your account on a 6 month hold after you make a deposit. No debit card, no checks nothing. Scam

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  • author
    David L. Pompili
    Jul 20, 2022
    LOGIN NOT ACCOMPLISHED

    numerous calls and verification codes sent .... log in constantly fails different work order numbers for same, persisting issue ..DISGUSTING

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  • author
    Marlinda
    Jul 20, 2022
    Great

    Great! Best service I’ve experienced Thank you

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  • author
    Joseph Mcgonagle Iii
    Jul 18, 2022
    I love PenFed CU

    I love PenFed CU! They make life easy and their application process is perfectly simple for the hectic lifestyle of a family/businessperson on the go!

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  • author
    Nathan Hicks
    Jul 17, 2022
    I like the quick approval but I highly…

    I like the quick approval but I highly disagree with the way they send the cash thru mail. I think that anything with high value should not be sent out via regular usps mail. This makes it very liable to not show up in a mail box. The security level of this is tooooo risky. Having the option of FedEx same or next with signature needs to definitely be an option

    ...

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