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Coronavirus Planning & Precautions

Lobbies Reopening on Monday, July 13th

We are pleased to announce that all branch lobbies will be re-opened on Monday, July 13th to serve you. Please note that facemasks are now required to enter our branches. As COVID-19 continues to spread in our communities, we feel that requiring facemasks for all members and visitors inside our branches is prudent for your safety and the safety of our team members. We also request that if you must come into one of our branches, please limit the number of people coming inside to only those needed to conduct your business.

We would also like to provide an update on our team members. The two employees who have tested positive for COVID-19 continue to recover at home. They will remain at home on quarantine until all symptoms have passed and they have received two negative COVID-19 tests. Thank you to everyone who expressed your concerns and wishes for quick recoveries for our team members. We can’t thank you enough for your kindness and understanding.

We also want to express our sincere gratitude to you all during this trying time. As we have mentioned many times, our highest priorities are to ensure the safety of you and our team members so that we can continue to serve you throughout this pandemic. While we may have to adjust our operations from time to time as the pandemic works its way through our communities, I want to assure you that we will remain here to serve you.

Sincerely,

Barbara Harper, President

 


Lobbies Closing Monday, July 6th to Protect You and Our Team Members

Dear Members,

We have received word that two of our team members have tested positive for COVID-19.

The first team member was initially exposed through a sick family member and has been at home on quarantine since June 18th. The team member initially received a negative COVID-19 test. Nearing the end of their 14-day quarantine however, symptoms began to appear and the team member tested positive at the end of June. They remain in quarantine while they recover. Because of their early quarantine and initial negative test, we are confident that no members were exposed.

Friday July 3rd, we received word that a second team member tested positive. This team member is not exhibiting symptoms and is in quarantine at home for 14 days. They most recently worked at our Queensgate Branch. In the next 24-hours, we will be reaching out to any members who were helped by this team member in the past few days.

Out of an abundance of caution for you and our staff, we will be temporarily closing all lobbies effective Monday, July 6th. We feel that this is the prudent course of action as the number of COVID-19 cases has increased significantly in Hamilton County and as the virus has now affected our team members. Our highest priority is your safety, the safety of our staff and the communities we serve. We are taking this precaution to ensure that our staff remain healthy so that we can continue to serve you for as long as the pandemic lasts.

Starting Monday July 6th:

  • When possible, please use our self-service options or our drive-thru for service.
  • The Queensgate, Northwest and Blue Ash lobbies will be closed to in-person transactions.
  • Drive-thru lanes will remain open at Queensgate and Northwest to serve you.
  • All 3 branches will schedule in-person appointments for a limited range of business that cannot easily be conducted in the drive thru or over the phone. Appointments will be scheduled for new personal or business accounts, trust set-up, POA (power of attorney) designations, etc. Please note that facemasks will now be required to enter any COPFCU branch.

To schedule an in-person appointment, please call:

  • The Blue Ash Branch at (513)948-1234.
  • The Northwest Branch at (513)385-4808.
  • The Queensgate Branch at (513)381-2677.

I would also like to reassure you that COPFCU and our team members are following the CDC guidelines for workplaces which should greatly reduce the risk of anyone contracting COVID-19 in our branches. Our specific measures include:

  • Requiring all staff to perform a daily health self-assessment before entering our buildings
  • Requiring all staff to have their temperature taken when entering our buildings
  • Requiring all staff to wear masks
  • Ensuring social distancing of members and staff is occurring in our branches
  • Installing clear barriers between you and our staff to provide further separation
  • Regularly sanitizing public areas and work stations and hiring commercial cleaning companies to sanitize branches
  • Installing hand sanitizer stations throughout our branches
  • Limiting the number of members inside our branches at any one time

Again, your health and safety and that of our team members remains our first priority. We are doing everything we can to protect you and our team throughout this pandemic. We thank you for your understanding and patience. If you have any questions or concerns regarding this matter, please contact us.

Sincerely,

Barbara Harper, President

 


June 10, 2020

Waived Fees Being Reinstated on July 1st

On March 22, 2019 the credit union waived the fees noted below to assist all members during Ohio’s Stay-at-Home Order. As Ohio reopens and all businesses return to operation, we feel that it is now time to restore these fees. Effective Wednesday, July 1st, the following fees will be reinstated:

  • Foreign ATM Withdrawal Fee – $1.50
  • Automated Transfer Fee – $5.00
  • Cashier’s Check Fee – $5.00
  • Courtesy Pay Fee – $27.00
  • NSF Fee – $27.00

As a reminder, we continue to offer our Hardship Program for any members experiencing reduced hours or job loss as a result of COVID-19. If you are experiencing a financial hardship, please complete the Online Hardship Request or call us at 513.381.2677 or toll-free at 1.800.810.0221. We are ready to assist you.

 


June 4, 2020

Branch Reopening Details

The Northwest and Queensgate branches are now open to serve you in-person. The Blue Ash branch will reopen on Monday, June 8th and is expected to resume Saturday hours on July 11th.

Continue to Use Self-Service Options When Possible
In order to keep you and our staff safe, we ask that you continue to use our self-service banking options to perform transactions whenever possible. Our mobile app, online banking site and website provide you with many ways to open accounts, deposit checks, pay bills and apply for loans. Learn more about our Self-Service Options.

COVID-19 Branch Changes
To serve you safely and to safeguard our staff, we have made many changes to our branches and to our operations. If you must come inside one of our branches, we ask that you please follow these guidelines.

  • If you are sick, please use the drive-thru for service.
  • If you need Account or Loan Service, schedule an appointment by calling us. See details below.
  • Please wear a face mask.
  • Use the supplied hand sanitizer when entering and exiting the branch.
  • Practice social distancing.
  • Please have your ID ready for our staff. It is difficult to determine identity with a mask.
  • The Northwest and Queensgate lobbies will be limited to 6 members at a time. Blue Ash will be limited to 3 members in the branch. We ask for your patience as you may experience a wait.
  • Until further notice, all lobbies will close 30 minutes early to conduct a thorough end-of-day cleaning. Drive-thru lanes will remain open for service.
    • Monday – Friday       Lobbies close at 4:30p; Drive-thru closes at 5:00p.
    • Saturday                       Lobbies close at 12:30p; Drive-thru closes at 1:00p.

Account & Loan Appointments
If you need to open a new personal or business account, set up a trust, add a Power of Attorney (POA) to your account, open an IRA/HSA or receive loan assistance, please schedule an appointment. Appointments allow us to immediately assist you while ensuring we maintain the maximum number of members in the branch at any one time.

  • To schedule an appointment:
    • Call (513) 381-2677 for the Queensgate Branch
    • Call (513) 385-4808 for the Northwest Branch
    • Call (513) 948-1234 for the Blue Ash Branch
  • On the day of your appointment, arrive 10-minutes before your scheduled time, but remain in your car until you receive a call or text that you may enter the building.
  • Your Loan or Account Rep. will meet you at the entrance and escort you to an office.
  • When meeting with a Loan or Account Rep., you must wear a mask.

Thank you for your cooperation, understanding and trust these past months. We are living in unprecedented times that have required all of us to change how we live, work and conduct business. We have done our best to ensure our branches are safe places for you and our staff. If you have any questions about our reopening plan or procedures, please contact us.


May 7, 2020

In-Branch Appointments Available Starting Monday, May 11th

As Ohio slowly begins the phase of allowing businesses to reopen, we are working hard to ensure our branches and lobbies are a safe space for you to transact business. We are installing clear barriers at the teller stations and inside our loan offices, placing touchless hand sanitizing stations at our entrances and inside our lobbies and installing social distancing floor markers to ensure that we can all stay safe.

While we are not yet ready to reopen our lobby doors for regular business hours, starting Monday, May 11th we will begin serving members inside of our Queensgate and Northwest branches by appointment only for limited purposes including personal and business account opening, trust set up, IRA/HSA set up, etc. If you would like to schedule an appointment, please call us at 513.381.2677 or 1.800.810.0221.

Appointment Requirements

  • Please note that for the health and safety of you and our staff, we will only schedule appointments for business that cannot be conducted in our drive-thru lanes or over the phone.
  • Please stay home if you are sick on the day of your appointment.
  • Please wear a face mask when entering the credit union.
  • Please limit the number of individuals that attend the appointment to only those needed to conduct business.

As the weeks roll on, we look forward to the day when we can serve you without facemasks, hand sanitizer and social distancing requirements. Until then, we are working diligently to modify our branches and procedures to serve you in the safest way possible.

 


April 23, 2020

Debit Card Purchase Limit for Signature Purchases Increased to $1,500

In the past weeks, we have received numerous requests from members to increase the debit card purchase limit for signature-based purchases. To provide added convenience and purchase power during this event, the debit card limit for signature-based purchases has been temporarily increased to $1,500 for all members. The debit card limit for PIN-based purchases remains $1,000.

Our Northwest and Queensgate Branches remain open and are serving members in the drive-thru lanes and by phone. Please call us if you have questions about your account(s) or if you need assistance. We are here for you.

 


April 15, 2020

You may experience intermittent outages of our Online Banking and Mobile App platforms due to extremely high internet traffic. This is as a result of Americans nationwide logging in to their accounts to see if their CARES stimulus payment was direct deposited. We are working diligently to increase capacity. If you are unable to access online and mobile banking, we ask that you please wait 5 minutes and try again. Thank you for your patience and understanding as we navigate these uncharted waters.

 


March 24, 2020

To further help you during this COVID-19 Coronavirus event, we are temporarily suspending the NSF, Courtesy Pay and Cashier’s Check fees effective immediately. For your reference, below is a list of all fees waived at this time.

  • Courtesy Pay Fee – $27
  • NSF Fee – $27
  • Cashier’s Check Fee – $5
  • Foreign ATM Withdrawal Fee – $1.50
  • Automated Transfer Fee – $5
  • Reg D Excessive Withdrawal Fee – $3

In addition, we will waive Loan Late Payment Fees on a case by case basis. If you receive a loan late payment fee and are experiencing a hardship, please call us at 513.381.2677 or toll-free at 1.800.810.0221.

We hope you and your families remain safe and healthy.

 


March 22, 2020

Dear Members,

Today, Governor Dewine mandated a Stay at Home Order for the state of Ohio starting Monday, March 23rd at 11:59 pm. As part of the order, only essential businesses will remain open to the public. We want to assure you that as an essential business, COPFCU will remain open throughout this order to serve you.

Queensgate & Northwest Branches Open

As we communicated last week, our Queensgate and Northwest Branches are open for their normal business hours with service available through the drive-thru lanes only. Drive-thru transactions have been expanded so that we can meet your needs at these locations. Our Blue Ash branch will be closed temporarily until further notice.

Fees Waived

To help you during this event, we have waived the following fees temporarily until further notice:

  • Foreign ATM Fees – You can now perform unlimited free ATM transactions at these surcharge-free ATMs.
  • Regulation D Excessive Withdrawal Fee (for Savings & Money Market Account withdrawals)
  • Automated Transfer Fee for overdraft protection

 Self-Service Options

If you haven’t already done so, we strongly recommend that you begin to use our self-service options, most of which are available 24×7 from the safety of your home or workplace. We hope and pray that the COVID-19 Coronavirus event will last only a few weeks. Our self-service options equip you to access your accounts, deposit cash and checks, pay bills, transfer funds and withdraw cash for as long as the pandemic continues. Explore our self-service options now.

We’re Ready to Take Your Calls

If you need assistance or help getting started with any of our self-service options, don’t hesitate to call us during our normal business hours at 513.381.2677 or toll-free at 1.800.810.0221. Our employees are ready to help you in any way they can.

Lastly, thank you for your patience and cooperation in helping reduce the spread of the COVID-19 Coronavirus. We are taking these actions to protect you, our employees and our communities. While these actions may be inconvenient, we feel they are the prudent course of action and will benefit us all.

Sincerely,

Barbara Harper, President

 


March 19, 2020

Dear Members,

The COVID-19 Coronavirus is an unprecedented event in COPFCU’s 85 years of operation. Our highest priorities continue to be the safety and well-being of our members, employees and the communities that we serve while continuing to serve you during this event. We are here for you and will remain here for you throughout this event. To ensure that we can continue serving you, we will be making the following changes to our operations effective Saturday, March 21st.

  • The Blue Ash Branch will be closed temporarily until further notice.
  • The Queensgate and Northwest Branches will remain open; however service will be available in the drive-thru only and we will stagger the staff that work at each location to minimize the risk of infection to our employees. Drive-thru transactions will be expanded so that we can meet your needs at these locations. We ask for your patience as your wait time may be longer due to limited staff.

Self-Service Options

When possible, we encourage you to use our self-service options that are available 24×7. These options will allow you to view your account balances, pay bills, transfer funds, make loan payments and perform deposits. If you are not currently using the services below or have forgotten your login credentials, please call us at (513) 381-2677 or toll-free at 1 (800) 810-0221.

If you need to withdraw cash, please use one of our Free ATMs to do so. Free ATM transactions are available at more than 39,000 locations nationwide. For a limited time, we are waiving our $1.50 ATM fee, allowing you to use PNC ATMs for unlimited withdrawals free of charge. If you need an ATM/Debit card, please call us at (513) 381-2677 or toll-free at 1 (800) 810-0221 and we will order one for you.

If you need to deposit checks, please use the mobile check deposit feature inside the COPFCU mobile app. This is the fastest way to make your check deposit. The app is available in the App Store and Google Play For a limited time, we are increasing the daily deposit limit to $5,000 to serve you better during this event. You may also mail your checks to our Queensgate Main Office at 959 W. 8th Street, Cincinnati, OH 45203.

Deposit ATMs and Night Deposit Boxes – You may deposit cash and checks at any ATM that accepts deposit or by placing your deposit in the night deposit boxes at our Queensgate and Northwest Branches.

 If you need to apply for a loan, please apply online or call us. Our Loan Officers will process your loan quickly. With our e-sign option, you can sign your loan documents electronically from your home.

 If you need to open an account, please call us at (513) 381-2677 or toll-free at 1 (800) 810-0221. We will gather all of your information over the phone and send your account opening documents to be e-signed by you.

Hardship Assistance

If you experience a financial setback due to the Coronavirus COVID-19 event and need an emergency loan or are unable to make your COPFCU loan payment, please complete the Hardship Assistance Application and return it to the Queensgate or Northwest Branch. We have programs in place to defer loan payments and provide emergency assistance loans.

As always, thank you for being a member of COPFCU. We also thank you for doing your part to keep yourself and others healthy, and for understanding these changes. We are working hard to balance the safety and health of our employees, members and communities while continuing to provide access to your accounts and money.

 


March 10, 2020

As concerns continue to grow about the spread of the Coronavirus (COVID-19), COPFCU is taking steps to avoid potential service disruptions to you in the event that a widespread response is required. Our foremost priority is the safety and well-being of our members, our employees and the communities that we serve.  We will continue to monitor developments on the virus and will implement operational contingency plans, if needed, to ensure that you can continue to access and manage your accounts.

As a precautionary measure, we recommend that you become familiar with and utilize our self-serve banking options if you wish to avoid visiting a COPFCU branch.

In addition, the Mobile Wallets we offer — Apple Pay, Samsung Pay and Google Pay – allow you to purchase items without touching the pay terminal at any retailer that accepts Apple Pay, Samsung Pay and Google Pay.

At COPFCU, we are hoping for the best, but we are also taking action to ensure that our service to you continues uninterrupted throughout the Coronavirus event. If you need assistance or have any questions regarding the self-service delivery channels above, please contact us at (513) 381-2677 or toll-free at 1 (800) 810-0221.

Coronavirus COVID-19 Resources

We’ve compiled resources to assist you in navigating the COVID-19 Coronavirus event.

COPFCU Hardship Assistance Program

COPFCU has a Hardship Assistance Program available to help members affected by unexpected life events, including the COVID-19 Coronavirus. If you are experiencing a hardship, please complete the Online Hardship Assistance Request or download the Hardship Assistance Request. Remember to submit documented proof of your hardship. A COPFCU Representative will contact you to discuss all options available.

Centers for Disease Control (CDC)

Coronavirus & Unemployment Resources

Ohio, Kentucky and Indiana have all approved Unemployment Insurance benefits for job loss, layoff or reduction in hours as a result of the COVID-19 Coronavirus.

Internal Revenue Service (IRS)

Coronavirus and Student Loans

The CARES Act waives all federal student loan payments until September 30, 2020. Students with state, private and most Federal Family Education Loans will still need to pay monthly bills, but check with your lender to see if they have a disaster or emergency forbearance.

Small Business Administration (SBA)

Financial Assistance for Individuals

  • U.S. Dept. of Health and Human Services – This website provides a list of benefits and assistance at the state and national level, including help with energy bills, affordable telephone service, and food stamps.

Self-Service Options

With COVID-19 cases increasing significantly in the Greater Cincinnati area, we strongly recommend that you begin to use our self-service options, most of which are available 24×7 from the safety of your home or workplace. Our self-service options equip you to access your accounts, deposit cash and checks, pay bills, transfer funds, make loan payments and withdraw cash for as long as the pandemic continues. If you are not currently using the services below or have forgotten your login credentials, please call us at (513) 381-2677 or toll-free at 1 (800) 810-0221.

If you need to withdraw cash, please use one of our Free ATMs to do so. Free ATM transactions are available at more than 39,000 locations nationwide. For a limited time, we are waiving our $1.50 ATM fee, allowing you to use PNC ATMs for unlimited withdrawals free of charge. If you need an ATM/Debit card, please call us at (513) 381-2677 or toll-free at 1 (800) 810-0221 and we will order one for you.

If you need to deposit checks, please use the mobile check deposit feature inside the COPFCU mobile app. This is the fastest way to make your check deposit. The app is available in the App Store and Google Play For a limited time, we are increasing the daily deposit limit to $5,000 to serve you better during this event. You may also mail your checks to our Queensgate Main Office at 959 W. 8th Street, Cincinnati, OH 45203.

Deposit ATMs and Night Deposit Boxes – You may deposit cash and checks at any ATM that accepts deposit or by placing your deposit in the night deposit boxes at our Queensgate and Northwest Branches.

If you need to apply for a loan, please apply online or call us. Our Loan Officers will process your loan quickly. With our e-sign option, you can sign your loan documents electronically from your home.

If you need to open an account, please call us at (513) 381-2677 or toll-free at 1 (800) 810-0221. We will gather all of your information over the phone and send your account opening documents to be e-signed by you.

As always, thank you for being a member of COPFCU. We also thank you for doing your part to keep yourself and others healthy, and for understanding these changes. We are working hard to balance the safety and health of our employees, members and communities while continuing to provide access to your accounts and money.

Unfortunately, as the COVID-19 Coronavirus pandemic has spread, fraudsters have begun trying to take advantage of this situation. To help you safeguard yourself against these scams, we’ve compiled a list of articles to help you spot a Coronavirus Scam.

United States Census Scam Preys on Stimulus Confusion – Better Business Bureau

Don’t Let Thieves Snatch Your COVID-19 Stimulus Money – Dave Yost, Ohio Attorney General

Federal Agencies, Police, Warn People Not to Fall for Coronavirus Test Kit Scams – Cincinnati.com

FBI Sees Rise in Fraud Schemes Related to the Coronavirus Pandemic – FBI

AG Yost Warns of Outbreak of Scams Related to Coronavirus – Dave Yost, Ohio Attorney General