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

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 – 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.

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.

When unexpected expenses and unforeseen problems can leave you with too little cash in your checking account, having a payment returned due to insufficient funds can be a costly, inconvenient and embarrassing experience.  That’s why we provide our Courtesy Pay service.

See full details on Courtesy Pay.

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: $500 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 - $49.99.05%.05%
$50.00 - $2,499.99.10%.10%
$2,500.00 - $9,999.99.15%.15%
$10,000+.20%.20%