Find The Checking Account That’s Right For You.

Recommender For: Members seeking a feature-rich account that protects their credit, identity and finances

Special Features & Benefits:

  • IDProtect®, our identity theft monitoring & resolution service¹
  • Identity monitoring**
  • Credit file monitoring**
  • Dark web monitoring**
  • High risk transactions monitoring**
  • Fully managed resolution services**
  • Up to $10,000 identity theft expense reimbursement
  • Cell phone protection²˒³ up to $600 for repair or replacement if phone is stolen/damaged
  • Debit Advantage – Buyer’s Protection³ & Extended Warranty³

Minimum to Open: We ask for a $25 deposit.* Ask for details.

Minimum Balance Requirement: $0

Monthly Service Fee: $6.95 per month

  • Free Debit Card with available Round-Up Savings
  • Free Online Banking
  • Free Mobile App with Mobile Check Deposit, Instant Card Transaction Alerts & 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 CU or bank
  • Free Nationwide ATMs

Review Overdraft Protection

Recommender For: Members seeking to earn interest while protecting their credit, identity and finances

Special Features & Benefits:

  • Pays the highest interest rate of any COPFCU checking when the daily balance of $1,500 is maintained
  • IDProtect®, our identity theft monitoring & resolution service¹
  • Identity monitoring**
  • Credit file monitoring**
  • Dark web monitoring**
  • High risk transactions monitoring**
  • Fully managed resolution services**
  • Up to $10,000 identity theft expense reimbursement
  • Cell phone protection²˒³ up to $600 for repair or replacement if phone is stolen/damaged
  • Debit Advantage – Buyer’s Protection³ & Extended Warranty³
  • Free box of checks (1 box per year)

Earns Interest

Minimum to Open: We ask for a $25 deposit.* Ask for details.

Minimum Balance Requirement: $1,500 daily balance to earn dividends

Monthly Service Fee: $11.95 if daily balance falls below $5,000

  • Free Debit Card with available Round-Up Savings
  • Free Online Banking
  • Free Mobile App with Mobile Check Deposit, Instant Card Transaction Alerts & 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 CU or bank
  • Free Nationwide ATMs

Review Overdraft Protection

Recommender For: Members age 50 or better seeking a dividend earning account

Special Features & Benefits:

  • Pays competitive interest with no minimum balance requirement
  • At least one account owner must be age 50 or better

Earns Interest

Minimum to Open: We ask for a $25 deposit.* Ask for details.

Minimum Balance Requirement: $0

Monthly Service Fee: $0

  • Free Debit Card with available Round-Up Savings
  • Free Online Banking
  • Free Mobile App with Mobile Check Deposit, Instant Card Transaction Alerts & 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 CU or bank
  • Free Nationwide ATMs

Review Overdraft Protection

Recommender For: Members wanting a Free Checking

Minimum to Open: We ask for a $25 deposit.* Ask for details.

Minimum Balance Requirement: $0

Monthly Service Fee: $0

  • Free Debit Card with available Round-Up Savings
  • Free Online Banking
  • Free Mobile App with Mobile Check Deposit, Instant Card Transaction Alerts & 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 CU or bank
  • Free Nationwide ATMs

Review Overdraft Protection

Secure CheckingSecure+ Interest Checking50+ Interest CheckingSimply Checking
Recommended forMembers seeking a feature-rich account that protects their credit, identity and financesMembers seeking to earn interest while protecting their credit, identity and financesMembers age 50 or better seeking a dividend earning accountMembers wanting a Free Checking
Special Features & Benefits
  • IDProtect®, our identity theft monitoring & resolution service¹
  • Identity monitoring**
  • Credit file monitoring**
  • Dark web monitoring**
  • High risk transactions monitoring**
  • Fully managed resolution services**
  • Up to $10,000 identity theft expense reimbursement
  • Cell phone protection²˒³ up to $600 for repair or replacement if phone is stolen/damaged
  • Debit Advantage - Buyer's Protection³ & Extended Warranty³
  • Pays the highest interest rate of any COPFCU checking when the daily balance of $1,500 is maintained
  • IDProtect®, our identity theft monitoring & resolution service¹
  • Identity monitoring**
  • Credit file monitoring**
  • Dark web monitoring**
  • High risk transactions monitoring**
  • Fully managed resolution services**
  • Up to $10,000 identity theft expense reimbursement
  • Cell phone protection²˒³ up to $600 for repair or replacement if phone is stolen/damaged
  • Debit Advantage - Buyer's Protection³ & Extended Warranty³
  • Free box of checks (1 box per year)
  • Pays competitive interest with no minimum balance requirement
  • At least one account owner must be age 50 or better
Earns Interest✓✓
Minimum to OpenWe ask for a $25 deposit.* Ask for details.We ask for a $25 deposit.* Ask for details.We ask for a $25 deposit.* Ask for details.We ask for a $25 deposit.* Ask for details.
Minimum Balance Requirement$0$1,500 daily balance to earn dividends$0$0
Monthly Service Fee$6.95 per month$11.95 if daily balance falls below $5,000$0$0
Free Debit Card with available Round-Up Savings✓✓✓✓
Free Online Banking✓✓✓✓
Free Mobile App with Mobile Check Deposit, Instant Card Transaction Alerts & 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 CU or bank✓✓✓✓
Free Nationwide ATMs✓✓✓✓
Open NowOpen NowOpen NowOpen Now
Review Overdraft ProtectionReview Overdraft ProtectionReview Overdraft ProtectionReview Overdraft Protection

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. 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 Benefits are available to personal checking account owner(s), and their joint account owners 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 Cell phone protection – receive up to $600 for replacement/repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two (2) claims and a maximum of $1,000 per eligible account, per twelve (12) month period. Covers up to four phone lines on a cell phone bill.

³ Special Program Notes: The descriptions herein 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. For Buyer’s Protection & Extended Warranty – Item(s) must be purchased entirely with this account for coverage.

Insurance products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.