Mobile/Online Banking in the modern world

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!

Apple Pay

Apple Pay is now available for COPFCU Debit MasterCards and Visa Platinum Rewards Credit Cards. For members with an iPhone 6 or later version, you can make payments at thousands of stores and inside participating apps, with just the touch of a finger.

Samsung Pay and Android Pay for Debit Cards

Members can now make payments with their COPFCU Debit MasterCard at thousands of stores and online by using their Android or Samsung galaxy Smartphones!


Send or Receive Cash using Email or Mobile Number

PopMoney is the easy way to send and receive money using your COPFCU account.  Pay your rent or send money to your kids away at college – it’s safe and secure and all you need is an email address or mobile phone number.

To Access PopMoney:

  1. Log on to COPFCU Online Banking
  2. Click Bills to access Online Bill Pay
  3. Click the PopMoney tab and follow the prompts

24-Hour Mobile Banking Technical Support – 1-855-603-4250

What types of mobile banking are available?

  • iPhone App
  • Android App
  • Mobile Web
  • Mobile Text

How do I enroll in mobile banking?

Login to COPFCU Online Banking. Click “Mobile Banking” in the left-hand menu. Follow the prompts to enroll. After completing this process, you will be sent a text message with an activation code.

I’m not enrolled in COPFCU Online Banking. Can I still enroll in Mobile Banking?

No, you must first enroll in Online Banking to enroll in Mobile Banking.

I’m enrolled in Online Banking. Can I use my Online Banking credentials to access Mobile Banking?

No, during the Mobile Banking registration process, you must create a Mobile Banking User Name and Password.

I can’t remember my password. How do I reset it?

You can reset your password by logging into COPFCU Online Banking and clicking the Mobile Banking link.

I’m locked out of Mobile Banking. How do I unlock my account?

Unlock your device by logging into COPFCU Online Banking and clicking the Mobile Banking link. Follow the prompts to unlock your account. You can also contact our 24-Hour Mobile Banking Technical Support line at 1-855-603-4250.

I was registered for Mobile Banking, but I just changed my mobile device, phone number and/or service provider. What should I do?

Log in to COPFCU Online Banking and click the Mobile Banking link. Click “New Device” to update the device, carrier or phone number. Once you have completed the setup of the new device or update of information, then click Delete Device to disable your old Mobile Banking profile.

For Mobile Web, do I have to type the hyperlink address every time I want to access mobile banking?

No, your mobile device should allow you to bookmark the page so that you don’t have to type the address in each time. Consult your device’s manual for instructions.

Bookmark m.copfcu.com or https://mb.mbankhost.com/mfa1/wap/home/pscu2595/en

For COPFCU Mobile Text Banking, what is the short code?

Please contact us for the short code.

What are the most common Text Banking commands and codes?

Text Banking Commands

LoginLReceive the URL for COPFCU Mobile Banking
BalanceB Summary of available balances for all accounts
TransferT Transfer funds between eligible accounts. To make a Transfer, first text T to our shortcode. You will then receive a list of accounts. As an example, to transfer $45.34 from Account #2 to Account #1, text the command: 2 1 45.34
HistoryH Summary of recent transactions per account
CommandCList of available text banking commands
HelpHEHelp for text banking
StopSDeactivates all COPFCU Mobile text services

You can check for additional text banking commands by activating your device and texting C to our short code.

Is Mobile Banking Secure?

Yes, COPFCU Mobile Banking uses the latest and most advanced security features available. Using Mobile Banking is just as secure as using Online Banking. All information transferred over-the-air to you mobile device is encrypted with 128-bit technology, making it extremely secure.

If my phone is lost or stolen, is my information safe?

Yes, your information is safe. Login details and financial information are never stored on your mobile device. To add another layer of security, you can also enable a password on your mobile device.

If you device is lost or stolen, you should contact your mobile provider immediately to disable the device. You should also login to COPFCU Online Banking, click the Mobile Banking link and disable/delete the device.

I am receiving an error message that says “Bad HTTP Status” or “Cannot Connect to Service.” What does this mean?

These errors indicate that your mobile device cannot connect to the Internet. This could be a problem with your service provider or you could be in an area with low signal strength. If you receive the error persistently, contact your wireless service provider.

What Items Can Be Deposited?

Any check that is made payable to you, drawn on a US Credit Union or Bank, will be accepted for deposit.

What Items Will Not Be Accepted?

  • Third-Party Checks
  • Travelers Checks
  • Money Orders
  • Cashier’s Checks
  • Any item that we have reason to believe will be returned.

The Check Must Be Endorsed.

If the check does not bear the payee’s endorsement, we will not approve the check for deposit.

What are the Deposit Limits?

  • Total Daily Deposit Limit: $2,500 (3 check maximum)
  • Total Weekly Deposit Limit: $5,000 (6 check maximum)

 When Will Funds Be Posted to My Account?

  • SAME DAY – Mobile Check Deposits made prior to 3:00pm should be posted on the same day by 5:00pm.
  • NEXT DAY – Deposits made at or after 3:00pm will be posted to your account the next day by 5:00pm.

When Will Funds Be Available in My Account?

Our normal check hold policy will apply, although we reserve the right to place a longer hold on any item that we have reason to believe will be returned.

How long should I keep a check that I’ve deposited?

Keep your check(s) in a secure area for at least 2 weeks after you’ve made your deposit. Make sure the deposit is posted to your account and then destroy the check.

If you have any additional questions about our Mobile Check Deposit Service, please call us at 513-381-2677.


Popmoney Technical Support: (877) 675-6378 or support@popmoney.com

What is Popmoney?

Popmoney is an innovative personal payment service. Now, sending and receiving money is as easy as emailing and texting. And you don’t need a new account to send or receive money. Just use your COPFCU checking account!

How does Popmoney work?

Popmoney allows you to send money to friends, family or anyone at all.

Sending Money

  • To send money, log in to your COPFCU Online Banking account. Click Bills, then click Popmoney.
  • Send money to anyone using their email address, mobile number or bank account information.
  • The recipient will receive a notification to go to popmoney.com where they will accept the funds and provide their bank account information for the deposit.
  • You will be notified when the transaction is completed.

*NOTE: If the recipient does not respond to the payment notification after 3 days, a reminder text message will be sent reminding him/her to act on the payment notification.

Receiving Money

  • When someone sends money to you, you will receive an email or text message.
  • Log in to COPFCU Online Banking, click Bills and then Popmoney. Select the account the funds should be deposited into.
  • Money sent directly to an account will be automatically deposited. No action is required by the recipient.

What can I use Popmoney for?

  • Send money to your child at college
  • Pay back friends for a fun outing
  • Pay your babysitter or lawn care service
  • Pay rent to your landlord or roommates

Will my account information be shared with the recipient? 

No, your account information will not be shared with the recipient. The recipient will only see your first name, last name, and the message you wrote for the payment. When you send a payment to an email address, the recipient will also see your email address. Similarly, you will not be able to see the recipient’s account information.

When will the recipient receive the funds? 

The timing to receive the funds depends on the type of account used to make the payment. The delivery speed will be displayed when you schedule the payment. It could take additional time if your contact has not used Popmoney or will have to log in and accept the payment.

If you are sending the payment notification through email and your contact wants to collect the funds into an Eligible Transaction Account, s/he must provide his/her Eligible Transaction Account information by 10 PM Pacific Time in order to receive the funds the next business day.

When will the funds be deducted from my account?

If you make a payment before 7:00 p.m. Pacific Time on a business day, the funds will be debited from your account on the same day. You should see the transaction on your financial institution statement the following day.

If you make a payment after 7:00 p.m. Pacific Time or on a non-business day, the funds will be debited from your account on the next business day.

Can I cancel a payment?

Yes. You may cancel a payment any time before or on the send date, until the payment has begun processing. Your contact will be notified if you cancel a payment after a payment notification has been sent.

How secure is Popmoney?

From the moment information is sent to Popmoney to the time it is stored and accessed again, it is encrypted using industry leading software, hardware and algorithms.  Security is also utilized at specific points and actions in the product.  For example, to help prevent an unauthorized person from fraudulently depositing someone else’s payment, one-time passcodes are used.  For every initial payment to a new email address or mobile phone number, a one-time passcode is sent to the user.  The user must provide that passcode back to Popmoney to verify his “ownership” of that mobile number or email address before he can deposit the payment.

Is Popmoney available outside the United States?

Currently, Popmoney is only available for use between Eligible Transaction Accounts and registered users residing in the United States.

Are there fees associated with sending or receiving money?

If you are using the Popmoney service through COPFCU Online Banking, completed transactions are only $0.50, and picking up money is free.  Fees are charged at the time you send the payment.

Do I pay a fee if my request is not paid?

No. A fee will be deducted only if you receive a payment. No fee will be charged if the request is not paid.

Someone sent me money, but entered the wrong email address or mobile number. How do I correct this?

Please ask the sender to go to the Popmoney Activity page to cancel the transaction and re-send it using the correct email address or mobile number. If the transaction cannot be cancelled, please ask the sender to call Popmoney support at (877) 675-6378.

Who can I call if I have additional questions?

During business hours, contact COPFCU at (513)381-2677 or (800)810-0221. After business hours, contact Popmoney Customer Service at (877) 675-6378 or via email at support@popmoney.com.