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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 average 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 an average 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 an average 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.

Online Banking

Access your accounts anytime from the comfort of your home or office. It’s easy to use, 100% secure and it’s free.

  • View your account balances
  • Transfer funds to/from any other US financial institution
  • Pay bills
  • Apply for a loan
  • Order checks, and so much more!

Bill Pay

Paying bills has never been easier, faster or more secure!  Simply sign-up through online banking and start paying bills online in minutes and on your schedule.

  • Set up multiple payees
  • Schedule a single payment or set up recurring payments
  • View your bill payment history, and more!

Mobile Banking

Access your accounts anytime, anywhere using COPFCU Mobile Banking.  To enroll, log on to COPFCU online banking, click “Mobile Banking” and follow the prompts.  Once you’re enrolled, download the COPFCU Mobile App from the app store on your phone.

  • Deposit checks
  • View balances and transactions
  • Transfer money
  • Make loan payments
  • Find the nearest branch or ATM, and more!

View Mobile Banking FAQs

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.

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

Coming Soon!

EMV chip cards and ApplePay functionality will be added to your Debit Card to provide increased convenience and security for your card and accounts.

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.

Overdraft Privilege

Mistakes happen. We understand.

We’ve all done it…forgotten to record a payment in our checkbook, had a transaction denied at checkout and experienced the embarrassment and extra expense of a returned check.

When unexpected expenses and unforeseen problems can leave you with too little cash in your checking account, having a check returned due to insufficient funds can be a costly, inconvenient and embarrassing experience.  That’s why we provide our Overdraft Privilege service.

See full details on Overdraft Privilege.