Young Adults Checking Freedom Accounts for ages 15-25

Our Freedom accounts are specially designed for members age 15 to 25. The accounts offer added perks and rate discounts to provide young adults with a head start on managing their own finances.

Freedom Checking

  • $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

Freedom Visa Credit Card

  • Spending limit of $250 – $500 based on age and employment status
  • Low rate
  • $0 annual fee
  • Earns 1 reward point for every $1 spent

Apply for a Freedom Visa Credit Card

Freedom Auto Loan Discount

Receive a .25% rate discount on an auto loan with Freedom Checking with debit card and Freedom Credit Card

Open a New Freedom Checking Account

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
  • 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

Mobile Banking

Our new mobile banking apps provide improved functionality including:

  • Mobile check deposit
  • Mobile bill pay
  • Ability to see transaction details when viewing history
  • Ability to apply for a loan

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

Learn more about Mobile Banking

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 Android Pay are also available on compatible smart phones.

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

 

Free ATMs – Freedom

Freedom members will enjoy FREE ATM transactions.

  • COPFCU ATMs – Enjoy free unlimited transactions at our Colerain Branch ATM, Colerain High School ATM and Northwest High School ATM
  • PNC ATMs – Enjoy 10 free ATM transactions each month

 

Android Pay

Android Pay

Android Pay is currently available for our MasterCard Debit Cards. Members with a compatible smart phone can use Android Pay at millions of stores across the US and inside your favorite apps, with just the touch of a finger.

Even better, Android Pay is more secure than swiping your 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, Android Pay passes a secure token to validate and approve the transaction.

Learn more about Android Pay.

Apple Pay

Apple Pay

Apple Pay is available for COPFCU Visa Platinum Rewards Credit Cards as well as all COPFCU MasterCard Debit Cards. For members with an iPhone 6 or later version, you can make payments at thousands of stores and inside participating apps, with just the touch of a finger.

Even better, Apple Pay is more secure than swiping your 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, Apple Pay passes a secure token to validate and approve the transaction.

Learn more about Apple 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 within It’s Me 247 Bill Pay.

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!

 

Samsung Pay

Samsung Pay

Samsung Pay is now available for COPFCU Visa Platinum Rewards Credit Cards as well as MasterCard Debit Cards. Members with a compatible smart phone can use Samsung Pay at millions of stores across the US and inside your favorite apps, with just the touch of a finger.

Even better, Samsung Pay is more secure than swiping your 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, Samsung Pay passes a secure token to validate and approve the transaction.

Learn more about Samsung Pay.