Login:

Checking Checking accounts for individuals

Secure Checking

Secure Checking is our best checking product. With Secure Checking and IDProtect®, you will receive the following benefits:

  • Household Coverage for Your Family – Coverage for you, your spouse, children up to the age of 25 residing in your home, and parents residing with you
  • Daily Credit File Monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports
  • Total Identity Monitoring with continuous monitoring of over 1,000 databases including credit, Social Security, public records, and many others
  • A Dedicated Fraud Specialist who will work with you until your credit and identity are restored
  • Up to $10,000 Identity Theft Expense Reimbursement Coverage per family member* for expenses associated with restoring your identity and credit
  • Bonus Coverage! Cellular Telephone Protection – Covers the first 3 lines on your monthly bill; Provides up to $300 in replacement or repair costs if your cell phone is stolen or damaged.
  • Low monthly account fee of just $4.95! Other credit and identity programs charge $9.99 to $29.99 per person for similar coverage. For just $4.95 a month, your entire household is covered — and cell phone insurance is included!

Register and Activate Your Identity Theft Protection Benefits.

Open a Secure Checking Account

*Secure Checking provides coverage for eligible family members including: you, your spouse, children up to the age of 25 residing in your household, and parents residing with you. Contact us for the access code to activate your identity theft protection benefits provided by IDProtect. Visit www.IDProtectMe247.com or call 1-877-610-7889.

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.