Personal Checking To Fit Your Lifestyle.

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

Elite Interest

50+ Interest

Balance APY*Rate
$0 - $1,499.99 .05% .05%
$1,500.00+ .15% .15%
All funds0.05%0.05%

Secure Checking

A bundled account for those seeking identity and credit monitoring and resolution services

  • Credit and identity monitored on 1,000+ databases using ID Protect
  • ID theft resolution service
  • Cell phone protection
  • Coverage for all eligible household members**
  • Low monthly service fee of $4.95
Open Secure Checking
Checking Account Security with Mobile Banking

Elite Interest Checking

An account for those seeking higher interest on Checking

  • FREE personalized checks (1 box per year)
  • Higher interest with a balance of $1,500 or more
  • Competitive interest if balance falls below $1,500
  • Only $10 monthly charge if minimum balance falls below $1,500
Open Elite Interest Checking
Earn Higher Interest on American Currency

50+ Interest Checking

A perfect account for members age 50 and better

  • Competitive interest
  • No minimum balance
  • No monthly service charge
Open 50+ Interest Checking
50s aged couple happy with their finances


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. You may elect to pick up a Debit Card from one of our branches or have the new card mailed to you. Mailed cards typically take 10 business days to receive.

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

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.

**Eligible household members include spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.