Checking & Savings Doing business banking better

With three business checking options, you can choose the account that works best for your company. When you’re ready to open your new COPFCU Business Checking, please review our Business Account Requirements and New Business Account Forms.

Small Business Checking

  • Ideal for light transaction volume.
  • The account can be opened with just $100
  • No monthly maintenance fee
  • No daily balance requirement
  • Includes 150 free transactions (debits and credits)*
  • Excess transactions cost just $.25 each
  • Free online banking, bill pay, debit cards** and e-statements are included
  • No dividends are paid on the account

Business Edge Checking

  • Perfect for accounts with moderate transaction volume.
  • The account can be opened with just $100
  • A low maintenance fee of $15 per month is waived with a daily balance of $2,500 or more.
  • Includes 250 free transactions each month (debits and credits)*
  • Excess transactions cost just $.25 each
  • Free online banking, bill pay, debit cards** and e-statements are included
  • No dividends are paid on the account

Business Premier Checking

  • Best for accounts with moderate to heavy transaction volume.
  • The account can be opened with just $100.
  • A low maintenance fee of $25 per month is waived with a daily balance of $5,000 or more.
  • Includes 500 free transactions each month (debits and credits)*
  • Excess transactions cost just $.15 each
  • Free online banking, bill pay, debit cards** and e-statements are included
  • No dividends are paid on the account.

Business Savings

A Business Savings account is necessary to establish your company as a member organization of Cincinnati Police Federal Credit Union.  With just a $5 deposit, your company can take advantage of all the services & benefits COPFCU has to offer.

Open a Business Account

* A transaction includes deposits and other credits, checks paid and other debits, ACH, and deposited items.

** Subject to credit approval.

It’s Me 247 Online Banking

Our upgraded Online Banking system provides many enhancements for your convenience. In addition to the standard features like viewing your account balances, transferring funds and making loan payments, new enhancements include:

  • The ability to “see” and “jump” to your joint accounts without logging out of your primary account. Contact COPFCU for setup.
  • Set up e-Alerts and e-Notices
  • Review your loan payoff amounts
  • Purchase new certificates
  • Open additional savings accounts
  • The power to adjust how your direct deposit and other electronic deposits are handled
  • QuickenTM compatibility for transaction downloads
  • Read important messages from COPFCU

It’s Me 247 Bill Pay

Our upgraded Bill Pay service integrates seamlessly with our new Online Banking and Mobile Banking systems, making it easy for you to pay your bills and manage your finances from wherever you are, on any device you choose.

Additional features include:

  • A very intuitive, user-friendly experience
  • Real time access to your checking account balance
  • Reminders if your balance isn’t sufficient to pay a scheduled bill

Mobile Banking

COPFCU offers a variety of options for Mobile Banking including:

  • iPhone App
  • Android App
  • It’s Me 247 Mobile Web
  • It’s Me 247 Text Banking

Mobile Banking Apps

Our iPhone and Android apps feature the most functionality of all our mobile banking methods because of our fully integrated mobile Bill Pay and Mobile Check Deposit services. Mobile check deposits performed before 11:00pm EST will be posted to your account the same day.

Mobile Web

It’s Me 247 Mobile Web also features fully integrated bill pay.

Text Banking

It’s Me 247 Text Banking is the fastest way to get your account balances.

View our Mobile Banking FAQs to learn more.

 

Debit Cards

We are proud to offer MasterCard Debit Cards for our members. Your MasterCard Debit Card can be used locally, nationwide and worldwide wherever MasterCard is accepted.

Our cards include the added security of an EMV chip. Apple Pay, Samsung Pay and Android Pay are also available on compatible smart phones.

Cards can be used to make up to $1,000 in purchases per day and up to $500 in ATM withdrawals per day.

 

Free ATMs – Secure & Basic

Members can use the ATM at our COPFCU Branch on Springdale Road free of charge any time, and use any PNC ATM free of charge up to 6 times per month.

See a complete list of COPFCU ATMs and PNC ATM usage terms.

Wire Transfers

Wire Transfers

Send or receive funds from any domestic or international financial institution. For international wires, speak with a credit union representative. Wire transfer fees apply for this service. See the latest Fee Schedule for details.

Domestic Wire Transfer Request Form

Instructions for Incoming Wire Transfers