Personal Checking To Fit Your Lifestyle.
Choice is a great thing with COPFCU Checking.
At COPFCU, we feature four great checking options for you to choose from. Each Checking Account includes:
- Free Debit Card with available Round-Up Savings
- Free Online Banking
- Free Mobile App with:
- Mobile Check Deposit
- Instant Transaction Alerts
- Debit Card Lock
- Free Early Pay service – Post your direct deposit up to 2 days early
- Free Bill Pay
- Free eStatements & eTax forms
- Buy-back of your debit cards and unused checks from another financial institution*
- Chance to win a prize*
Personal Checking Rates
Secure+ Interest
50+ Interest
| Balance | APY* | Rate |
|---|---|---|
| $0 - $1,499.99 | .05% | .05% |
| $1,500.00+ | .15% | .15% |
| Balance | APY* | Rate |
|---|---|---|
| All funds | 0.05% | 0.05% |
Secure Checking
A feature-rich account to protect your credit, identity and finances.
- Credit and identity monitored on 1,000+ databases using ID Protect ID theft resolution service (1)
- Dark web monitoring and alerts**
- High risk transaction monitoring and alerts**
- Fully managed resolution services
- Mobile phone protection up to $600 for repair or replacement if stolen/damaged (2)
- Debit Advantage buyer’s protection and extended warranty (2)
- Coverage extends to all joint owners (1)
- Low monthly service fee of $6.95
Secure+ Interest Checking
An elite account that provides all the benefits of Secure Checking plus pays interest
- Provides all the benefits of Secure Checking
- Pays the highest rate for any COPFCU Checking when the daily balance of $1,500 is met
- Provides free checks (1 box per year)
- Monthly service charge of $11.95 is waived with a daily balance of $5,000 or more
50+ Interest Checking
A perfect account for members age 50 and better
- Competitive interest
- No minimum balance
- No monthly service charge
Simply Checking
A FREE account for everyone
- No minimum balance
- No monthly service charge
FAQs
How will I receive my Debit Card for the new Checking Account?
A New Accounts Representative will contact you to confirm your request and all needs for your new Checking Account. If you would like a new debit card, the card will be mailed to you. Mailed cards typically take 10 business days to receive.
Coming Soon! In late 2024, you will be able to receive a new or replacement debit card (excluding HSA Debit Cards) by visiting any COPFCU location.
How will I set up Direct Deposit for my new Checking Account?
A New Accounts Representative will contact you to confirm your request and all needs for your new Checking Account. As part of this process, you will be provided with the Routing Number and Account Number for your new Checking Account.
What ATM networks can I use for free?
COPFCU members enjoy FREE ATM transactions at more than 60,000 ATMs nationwide.
PNC Bank ATM Network – Enjoy 6 Free ATM transactions each month at an PNC ATM. Cash and check deposits may also be made to any PNC ATM that accepts deposits.
Co-op Shared Branching and Alliance One ATMs – Enjoy unlimited surcharge-free transactions at more than 30,000 credit union shared branching ATMs and nearly 5,000 Alliance One ATMs nationwide.
Where can I make ATM Deposits?
You can make cash and check deposits for free at any PNC Bank ATM that accepts deposits. Find a PNC ATM now.
How does Early Pay work?
Early Pay is a free service offered by COPFCU that allows you to post your ACH Direct Deposits up to 2 days early. When ACH direct deposits are received for your account, you will see a “Pending Deposits” notice in the Mobile App and Online Banking. Review the pending deposit(s) and follow the prompts to post it early. With Early Pay, you’re in full control. Post your deposits early when you want to or allow your deposits to post on the scheduled day.
How do I access ID Protect?
Access your latest ID Protect alerts and information at copfcu.ClubChecking.com
Important Legal Disclaimer
*We ask for a $25 deposit at account opening. Contact us for details. Credit Union rules and regulations apply. Other fees such as non-sufficient funds, overdraft fees, etc. may apply. See fee schedule for details. Offer good on personal accounts only. No purchase necessary to win prize and will not increase your chances to win. Entrants must be 18 years of age or older. Limit one entry per person. COPFCU employees and their immediate families are not eligible to win. No cash equivalent, substitution, or transfer of prize is permitted. Winner of the prize will be issued a 1099-INT and 1099-MISC. Buyback of Debit Cards and Unused Checks – Up to $10 for debit cards and unused checks from another financial institution given at the time the checks/debit cards are presented.
** Registration/activation required.
1 Eligibility: Benefits are available to personal checking account owner(s) and their joint account owner(s) subject to the terms and conditions for the applicable Benefits. Some benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
2 Special Program Notes: The descriptions on this page are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Guide to benefit and insurance documents can be found online at copfcu.ClubChecking.com or through the Club Checking mobile app.
Insurance products are not insured the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.