First Time Logging onto the Website
- Go to aafesretirement.mypenpay.com.
- Select SSN as login preference.
Enter SSN (no dashes). - Enter temporary password provided.
- Select Login.
- Answer three security questions.
- Enter a personal password.
Forgot Your Password?
- Log onto the website.
- Select โForgot Password?โ
- Select SSN as login reference.
- Enter SSN (no dashes).
- Enter last name as it appears on Check/Advice. (Be sure to enter any extension, such as โJrโ with a space between that and your last name.)
- Selectย โSubmit.โ
- If you had previously logged in, the website will ask the security questions. If you donโt remember the answers, select โMy Password via US Mail,โ and the password will be sent within two business days to your address on record.
Account locked?
If you receive the message that the account is locked, contact the MyPenPay Helpline at 1-866-471-0368 from 8 a.m. to 6 p.m. EST Mondays through Fridays.

Leave a Reply