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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

Every Checking Account features valuable benefits.

At COPFCU, we believe in providing value for all of our member-owners. That’s why every personal checking account includes FREE Debit Card(s), FREE Online Banking, FREE Mobile Banking with Mobile Deposit, FREE Bill Pay, FREE eStatements, a chance to win a prize*, and buy back of your debit cards and unused checks from another institution.

Secure Checking

An account for those seeking identity and credit monitoring services.

  • Credit & identity monitoring of 1,000+ databases
  • Cell phone protection
  • ID theft resolution service
  • Covers all eligible household members**
  • Low monthly service fee of $4.95 per month

Elite Interest Checking

An account for those seeking higher interest!

  • FREE personalized checks (1 box per year)
  • Higher interest rate with a balance of $1,500
  • Competitive interest if balance falls below $1,500
  • Only $10 monthly charge if minimum balance falls below $1,500

50+ Interest Checking

A perfect account for members 50 and better!

  • Competitive interest
  • No minimum balance
  • No monthly service charge

Simple & Free Checking

A FREE account for everyone!

  • No minimum balance
  • No monthly service fee

Open a Checking Account

*New prize eligibility is for 1st checking opened.
**Eligible household members include 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.
We ask for a $25 deposit at account opening. Contact us for details. Credit Union rules and regulations apply. Other fees such as non-sufficient funds, overdraft fees, etc. may apply. See fee schedule for details. Offer good on personal accounts only. No purchase necessary to win prize and will not increase your chances to win. Entrants must be 18 years of age or older. Limit one entry per person. COPFCU employees and their immediate families are not eligible to win. No cash equivalent, substitution, or transfer of prize is permitted. Winner of the prize will be issued a 1099-INT and 1099-MISC. Up to $10 for debit cards and unused checks from another financial institution given at the time the checks/debit cards are presented.

Free ATMs

All members will enjoy FREE ATM transactions at more than 39,000 ATMs nationwide.

  • 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 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.

Click the appropriate button below to open a new checking account. You will be directed to our electronic request / eDocument center for completion.

Current Member - Open a New Checking*

*Use this option if you are the Primary or Joint Owner on an active membership. You will need your membership number to proceed.

NonMember - Open a New Checking

If you do not have a membership in your name (as Primary or Joint Owner), use this option to establish your membership and open a new checking account.


Tell your friends and family and earn $10 when they open a new checking account with us!

It’s easy:

  1. Complete the online referral form below.
  2. Be on the lookout for a notification email or phone call from COPFCU.
  3. Get your free $10!