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HSA Checking Health Savings Accounts

Our HSA Checking is the perfect pairing with your employer’s high-deductible health plan (HDHP). An HSA provides triple tax savings through:

  • Pre-tax contributions
  • Tax-free dividends earned
  • Tax-free distributions/payments for qualified medical expenses

For more information on Health Savings Accounts (HSAs), review our document All About HSAs.

COPFCU HSA Checking specifics:

  • $0 minimum balance requirement
  • $0 monthly service fee
  • $0 per check charges
  • Free HSA debit card
  • Free HSA checks (first order)
  • Free online banking and bill pay
  • Free eStatements with archiving
  • Earns tiered dividends based on balance

HSA Certificates

HSA Certificates allow you to invest the excess funds from your HSA Checking Account to receive a better yield. The HSA Certificates feature:

$1,000 Minimum to open

  • Terms from 3 months to 5 years
  • Above-market rates & yields (Click here for current rates)
  • Penalties will apply for early withdrawal or termination
  • All HSA Funds are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the U.S. Government.

Open a New HSA 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.

Your HSA Checking Account comes with a MasterCard Debit Card for your convenience. Your card can be used for medical and prescription drug payments wherever MasterCard is accepted.

Daily Purchase Limits

To provide added security for your card, the following daily purchase limits apply to the card.

  • PIN-Based Purchases: $200 per day
  • Signature-Based Purchases: $2,000 per day

Reporting Lost/Stolen/Fraud

Contact our 24-Hour Debit Card Customer Service Center at 1-800-528-2273 to report your card as lost/stolen or to report fraudulent purchases made with your HSA Debit Card.

HSA Checking

BalanceRateAPY
$0 - $2,499.99.10%.10%
$2,500.00 - $9,999.99.15%.15%
$10,000+.20%.20%