Receive Improved Benefits with Rewards Plus

Receive Improved Benefits with Rewards Plus

Earn rewards for every account, loan and service you use.

On March 1st, 2024, the Member Rewards program will transition to a new, improved program called Rewards Plus. With Rewards Plus, you’ll earn points for every account, loan and service you use with COPFCU. At the end of the month, your total points balance will determine your Rewards Plus status for the following month — Platinum, Gold, Silver or Basic.

But that’s not all. We’ve added a whole new level of benefits that are the “Plus” in Rewards Plus. The points you earn each month will accumulate for up to 36 months. As your points grow, you can redeem them for a variety of items like a box of free checks, to waive a loan skip-a-payment fee or even to refund an overdraft fee.

To learn more about how you earn points, the full benefits of each Rewards Plus status as well as what your points can be redeemed for, watch the videos below or read

How do I earn points?

You earn points for every account, loan, and service you use as well as your activity during the month like having direct deposit or the number of debit or credit card purchases you make. Review the Rewards Plus Points Guide for full details on how to earn points.

What are the benefits of each status?

Each Rewards Plus status features unique benefits that can include loan rate rebates, deposit rate bonuses, waived fees and more. Review the Rewards Plus Benefits Guide or watch the video to learn the details.

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What can my points be used for? How do I redeem them?

The points you earn can be redeemed for a wide array of items including COPFCU logo items, to waive loan application fees, refund wire transfer fees or overdraft fees and more. Review the Rewards Plus Point Redemption Guide or watch the video to learn the specifics.

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How do I check my points?

Checking your current and total points balance is easy. This information is available in both Online and Mobile Banking. Watch our short video on how to check your points.

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I’m logged in to Mobile Banking, but I can’t deposit checks or manage my cards. Why?

If this happens, you are logged in to Online Banking on your smartphone. To access mobile check deposit, lock/unlock your cards and set card transaction alerts, you must use the mobile app. The app can be downloaded the app from the App Store or Google Play.

What are the deposit limits for Mobile Check Deposit?

There is a daily and monthly limit for Mobile Check Deposits.

Mobile check deposit limits:

  • Max daily amount: $5,000.00
  • Max deposits per day: 6
  • Max amount per deposit: $5,000.00
  • Max total within 30-day cycle: $20,000.00


Why can’t I log in to the mobile app with my fingerprint or face? I’m tired of using my username and password.

You can use your fingerprint or face to log in to the mobile app if you have a compatible device. To change your login authentication options, follows these easy steps:

  1. Log in to the Mobile App using your Username & Password.
  2. Click your face/image in the top right-hand corner.
  3. Click Authentication Options
  4. Select the option you’d like to use: Face ID, Fingerprint, PIN or Voice. Follow the prompts for set up.
  5. Turn on Quick Authentication using the toggle button.
  6. If you login to mobile banking and find that the options above aren’t available, you are logged in to Online Banking on your mobile device. Download the mobile app from the App Store or Google Play to use these features.

I’m locked out of Mobile Banking. How do I unlock my account?

Please call the credit union to have your access reset.

Is mobile banking secure?

Yes, the mobile banking app uses the latest and most advanced security features available. Using Mobile Banking is just as secure as using Online Banking. All information transferred over-the-air to your mobile device is encrypted with 128-bit technology, making it extremely secure.

If my mobile device is stolen, is my information safe?

Yes, your information is safe. Login details and financial information are never stored on your mobile device. To add another layer of security, you should also enable a password on your mobile device. If your device is lost or stolen, you should contact your mobile provider immediately to disable the device.