If you are using a screen reader or other auxiliary aid and are having problems using this site, please contact us at 513-381-2677. All products and services available on this site are available at all COPFCU locations. COPFCU is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to further increase accessibility and usability of our website for everyone. (close)

Login With Your Browser
Mobile Banking Apps
Download our mobile banking app for iPhones Download our mobile banking app for Android devices

Student Checking The perfect checking for young adults.

Our Simple & Free Checking Account is the best option for young adult members. It features a host of valuable benefits including 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.

Simple & Free Checking – A FREE account for everyone!

  • No minimum balance
  • No monthly service charge

Young adults age 18 or better can complete our Online Membership Application now. Young adults age 17 and under can stop in to any branch location with a parent or guardian to open a membership and a Simple & Free Checking Account.

Visa Platinum Rewards Credit Card

Many young adults also need to build a positive credit profile. A Visa Platinum Rewards Credit Card with a $500 or $1,000 credit line is a great way to begin your credit journey.

The card features:

  • Low fixed rates from 9.99% APR**
  • $0 Annual fee
  • Reward points earned for every purchase
  • Redeem points for gift cards, electronics, travel and up to $.50 off gas purchases at Shell, BP and Citgo.¹

Apply for a Visa Platinum Rewards Credit Card.

*Entrants must be 18 years of age or older.
**APR- Annual Percentage Rate. View the Visa Application Disclosures and Terms & Conditions for full details.
1You must use your Visa Platinum Rewards Card as the payment method at the pump to redeem points for gas purchases.

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.

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.