If you are using a screen reader or other auxiliary aid and are having problems using this site, please contact us at 513-381-2677. All products and services available on this site are available at all COPFCU locations. COPFCU is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to further increase accessibility and usability of our website for everyone. (close)

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Mobile Banking Apps
Download our mobile banking app for iPhones Download our mobile banking app for Android devices

Checking Checking accounts for individuals

Secure Checking

Secure Checking is our best checking product.  This account features valuable financial benefits PLUS IDProtect®, an Identity Theft Monitoring and Resolution Service for yourself, your family and your joint account holders1 and Cellular Telephone Protection3.

  • Six (6) Free ATM Transactions Per Month
  • Free Mobile Banking Apps with Mobile Check Deposit
  • Apple Pay™and Samsung Pay™ featuring biometric security for debit card purchases
  • IDProtect®, Identity Theft Monitoring and Resolution Service featuring:

– Up to $10,000 Identity Theft Expense Reimbursement Coverage1 for expenses associated with restoring your identity.
– Fully Managed Identity Theft Resolution Services – access to a dedicated fraud specialist assigned to manage your case until your identity is restored.
– Debit and Credit Card Registration (Registration/activation required.)
– Credit File Monitoring2 – daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports (Registration/activation required.)
– 3-in-1 Credit Report – request a new 3-in-1 report every 90 days or upon receipt of a credit alert (Registration/activation required.)
– Credit Score – receive a new single bureau credit score with every new credit report (Registration/activation required) Credit Score is a Vantage Score 3.0 based on Equifax data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.
receive a new single bureau credit score with every new credit report (Registration/activation required.)
– Total Identity Monitoring – monitoring of over 1,000 databases. (Registration/activation required.)
– Online Identity Theft News Center and Valuable Phone and Web Resources (Registration/activation required.)

  • Cellular Telephone Protection3 (Cellular telephone bill must be paid using eligible account).  Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. Maximum of two claims per year. Covers the first three phones on a cellular telephone bill paid through your checking account.
  • All for a low monthly account fee of $4.95

View Benefit Guide


Open a Secure Checking Account

1 IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner.  Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students.  For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members.  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered).   Family includes: 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.
2 Credit file monitoring from Equifax and TransUnion will take several days to begin following activation.
3 Special Insurance Program Notes: The descriptions herein are summaries only.  They do not include all terms, conditions and exclusions of the policies described.  Please refer to the actual policies for complete details of coverage and exclusions.  Insurance is offered through the company named on the certificate of insurance. Refer to Insurance Documents for complete details of coverage.
Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

Basic Checking

Manage your spending and bills effortlessly.

  • $0 minimum balance requirement
  • $0 monthly service fee
  • $1 per check cashing transaction
  • Free MasterCard debit card
  • Free unlimited transactions at COPFCU ATMs
  • Six (6) free ATM withdrawals monthly at PNC ATMs
  • Free online banking and bill pay
  • iPhone & Android mobile banking apps with mobile check deposit
  • Free eStatements with archiving

Freedom Checking – Ages 14 to 21

Designed specifically for young adults age 14 to 21.

  • $0 minimum balance requirement
  • $0 monthly service fee
  • $0 per check charges
  • Free MasterCard debit card
  • Free unlimited transactions at COPFCU ATMs
  • Ten (10) free ATM withdrawals monthly at PNC ATMs
  • Free online banking and bill pay
  • iPhone & Android mobile banking apps with mobile check deposit
  • Free eStatements with archiving
  • NSF Forgiveness – Allows refunds of up to 2 fees per year

Open a New Checking Account

Free ATMs – Secure & Basic

Secure & Basic Checking members will enjoy FREE ATM transactions at more than 39,000 ATMs natiowide.

  • COPFCU ATMs – Enjoy free unlimited transactions at our Colerain Branch ATM, Colerain High School ATM and Northwest High School ATM
  • PNC ATMs – Enjoy 6 free ATM transactions each month at any of the 15,000 PNC ATMs nationwide.
  • Co-op Shared Branching and Alliance One ATMs – Enjoy unlimited surcharge-free transactions at more than 30,000 Shared Branching ATMs nationwide and nearly 5,000 Alliance One ATMs nationwide.

Find a Free ATM now.

Mobile Banking App

Our new mobile banking app provides improved functionality including:

  • Multiple log-in options: fingerprint, PIN, voice recognition or username/password
  • Ability to apply for a loan
  • Mobile check deposit
  • Mobile bill pay
  • Text alerts for debit/credit card transactions
  • Ability to temporarily lock your debit/credit card if it is lost, stolen or your suspect fraud
  • eStatements access

The mobile app is available from the App store and Google Play store. Search for “COPFCU Mobile” to find our apps quickly.

Learn more about Mobile Banking

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
  • My Virtual Strongbox – A free online document storage vault for your wills, trusts, tax returns, etc.
  • 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

Learn more about Bill Pay.

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 Google Pay are also available on compatible smart phones. Cards can be used to make up to $1,500 in purchases per day and up to $1,000 in ATM withdrawals per day.

Courtesy Pay

Mistakes happen. We understand.

We’ve all done it…forgotten to account for a payment we’ve made, had a transaction denied at checkout and experienced the embarrassment and extra expense of a returned payment. That’s why we provide our Courtesy Pay service.

See full details on Courtesy Pay.

Pay Anyone

Send Cash Using an Email or Mobile Number – FREE!

Pay Anyone, our person-to-person payment service, allows you to electronically send money to any individual located in the United States from It’s Me 247 Bill Pay or the COPFCU Mobile app.

Send cash using either a secure text message or email. Before sending, you’ll enter a password that you will provide to the recipient. They will be directed to a secure website that walks them through the steps to collect the money you sent. Best of all, Pay Anyone is FREE!


Apple Pay, Google Pay & Samsung Pay

COPFCU offers Apple Pay, Google Pay and Samsung Pay for all Visa Platinum Rewards Credit Cards and MasterCard Debit Cards. Members with a compatible smart phone can make purchases at thousands of stores and inside participating apps, with just the touch of a finger. Even better, payments through these mobile wallets are more secure than swiping or inserting your chip card at a retailer. Why? For 2 reasons:

  1. Biometric Security – You must use your thumbprint to complete the purchase. This ensures that you – and only you – are performing the transaction.
  2. Your Card Number is Not Used – Instead of your 16-digit card number being passed to the merchant, a secure token is passed to validate and approve the transaction.

Learn more about Apple Pay, Google Pay and Samsung Pay.