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
  • Apply 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 aboard. 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


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 15 to 22

Designed specifically for young adults age 15 to 22.

  • $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

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.