Our HSA Checking is the perfect pairing with your employer’s high-deductible health plan (HDHP). An HSA provides triple tax savings through:
For more information on Health Savings Accounts (HSAs), review our document All About HSAs.
COPFCU HSA Checking specifics:
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
Access your accounts anytime from the comfort of your home or office. It’s easy to use, 100% secure and it’s free.
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.
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.
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.
EMV chip cards and ApplePay functionality will be added to your Debit Card to provide increased convenience and security for your card and accounts.
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.
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.
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.
To provide added security for your card, the following daily purchase limits apply to the card.
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.
| Balance | Rate | APY |
|---|---|---|
| $0 - $2,499.99 | .10% | .10% |
| $2,500.00 - $9,999.99 | .15% | .15% |
| $10,000+ | .20% | .20% |