Access Upgraded Banking Now

Complete enrollment via our new mobile app or by clicking Login from our homepage.

To Enroll:

1. Select First time user? Enroll now. 
2. Next, enter your Social Security number, member number, email and phone number.
3. Then, complete the multi-factor authentication (MFA) by providing the phone number Copper State CU has on file to receive your verification code through text or phone call.
4. Confirm your verification code to activate MFA for your account. 
5. Your final step is to create your new username and secure password - and that's it! 

Debit and Credit Cards

Q. Can I use my debit and credit cards during upgrade weekend?
A. You can use your existing debit and credit cards during upgrade weekend. Debit cards will operate in stand-in mode and purchase limits may apply.  

Q. Where can I go for deposits and cash withdrawals during upgrade weekend?
A. For deposits and cash withdrawals, you can always access any of our in-network or surcharge-free ATMS.

Online Banking Frequently Asked Questions FAQ

Q. I have a personal account. How will I log in to online banking beginning February 4, 2025?

1. 1. Download our new mobile app "Copper State Credit Union" OR visit copperstatecu.org and select Login
   2. Select First time user? Enroll now. 
   3. Next, enter your Social Security number, member number, email and phone number.
      • • See Where to Find My Member Number for more information. 
   4. Then, confirm multi-factor authentication (MFA) by providing the phone number Copper State CU has on file to receive your verification code through text or phone call.
   5. Confirm your verification code to activate MFA for your account. 
   6. Your final step is to create your new username and a secure password. 

Q. I have a business account and a personal account. How will I log in to online banking after upgrade weekend?

1. 1. Download our new mobile app "Copper State Credit Union" OR visit copperstatecu.org and select Login
   2. Select First time user? Enroll now. 
   3. Next, enter your Social Security Number, member number, email and phone number.
      • See Where to Find My Member Number for more information. 
   4. Then, confirm multi-factor authentication (MFA) by providing the phone number Copper State CU has on file to receive your verification code through text or phone call.
   5. Confirm your verification code to activate MFA for your account. 
   6. Your final step is to create your new username and a secure password. 

Q. I only have a business account. How will I log in to online banking after upgrade weekend? 
A. We will contact you with more detailed business enrollment instructions by February 2. We will be setting up your business profile during upgrade weekend and you will receive an email with instructions once this is complete. 

Q. Will I have access to the "old" online banking with my current username and password after February 4, 2025? 
A. No. Our current app and online banking platform will cease to operate as of January 31, 2025. Please see the calendar above for more dates and details about functionality during upgrade weekend. 

Q. Can I use the same username and password to access online banking?
A. No. With the enhancements coming with our system upgrade, new digital banking enrollment is required.   

Q. Can I complete my new online banking enrollment prior to February 4, 2025? 
A. No. This new system will be available for you as of February 4, 2025. 

Q. I have a joint account holder on my account(s) who has their own membership and member number. What will happen to their online banking access?
A. If your joint owners have their own membership Savings Account and member number, they can enroll and set up their own online banking access with the instructions listed above.

Q. I have a joint account holder who has a username and password and accesses my account online, but does not have their own member number. Will they still have access?

A. Joint account holders who do not have their own member number will have two options:

Option 1 (Preferred): The joint individual can set up their own membership at Copper State Credit Union. They can do this online, via phone 623.580.6000 or at any of our branch locations. This is the most secure way for your joint accountholder to access all necessary accounts within online banking. With their new member number, they will be able to set up online banking access using the instructions above. 

Option 2: Primary accountholder shares online banking access credentials (username and password) with joint accountholder(s) via a secure password manager solution such as LastPass or 1Password.

Q. Will I need to acknowledge a new online disclosure?
A. Yes. Each unique online banking user will need to accept the standard disclosure upon first login.

Q. Will I have access to my statements within online banking?
A. Yes. You can find your eStatements located within Messages in the main menu of our upgraded digital banking system. This is fully secured by your login and easily accessible within your digital banking platform.

Q. Will I be able to view cleared checks within online banking?
A. For checks cleared beginning February 2025 – yes. Simply click on the check number to view a copy. For checks cleared prior, please contact us to obtain check images.

Q. Will I be able to see Transaction History from my "Accounts" view?
To view transactions that occurred prior to February 2025, please reference previous statements. To view transactions that occur in February 2025 and beyond, you will be able to see transactions when viewing the account. 

Q. Will I be able to transfer funds to another member account at Copper State CU?
A. Yes. Select M2M Transfers located within your online banking menu.

Q. I created savings goals in online banking. Will that information transfer during the banking upgrade?
A. No. You will need to create new savings goals. You also have the option to create a budget with our new personal financial management tool and set up notifications to stay on track with both your budget and savings goals. 

Q. Will I be able to bring in balances on accounts I have at other financial institutions?
A. Yes. You can link and view other accounts directly in Copper State CU's online banking as long as you know the login credentials for that particular financial institution. You can also make transfers between accounts that you own.

Q. I use Zelle® within online banking. Will this be available?
A. Yes, Zelle® will be available. You will need to enroll again. If you currently use the Zelle® standalone app, please be aware that your access to Zelle® will move to the new Copper State Credit Union app. You will no longer be able to use the Zelle® app on its own.

Mobile Banking

Q. Will I need to download a new app?
A. Yes. You will need to download our new Copper State Credit Union mobile banking app from the App Store or Google Play on or after February 4, 2025. 

Q. Will the "old" app still work after upgrade weekend?
A. No. The last day to use the current Copper State CU app is January 30, 2025. 

Q. Can I download the new mobile app prior to February 4, 2025? 
A. No. The new app will be available for you as of February 4, 2025. 

Q. How will I login to mobile banking after the banking upgrade?

1. Download the new Copper State Credit Union app from the App Store or Google Play.
2. Select First time user? Enroll now. 
3. Next, enter your Social Security number, member number, email and phone number.
   • • See Where to Find My Member Number above for more info. 
4. Then, initiate multi-factor authentication (MFA) by providing the phone number Copper State CU has on file to receive your verification code through text or phone call.
5. Confirm your verification code to activate MFA for your account. 
6. Your final step is to create your new username and password - and that's it! 

Accounts, Loans and Checks

Account Numbers

Q. Where can I find my member number for first-time enrollment after February 4?
A. To locate your member number, see Where to Find My Member Number above for more info. Be sure to securely store your member number prior to January 31, 2025 as you will need this information to sign in for the first-time to upgraded banking. If you need assistance locating your member number, please contact us at 623.580.6000 during regular business hours, send a secure message within Online Banking, or visit a branch location during regular business hours. 

Q. Will my member number change?
A. No.

Q. Will I be able to view previous transactions?
A. To view transactions that occurred prior to February 2025, please reference previous months' statements. For transactions that occur in February 2025 and beyond, you will be able to see transactions in your Accounts view within upgraded online banking. 

Q. Is my member number the same as my account number?
A. No. Member number is connected to your individual membership with the credit union. Individual account numbers exist within that profile for various products and will differ from your member number. 

Q. If my 13-17 year old child has a Youth Checking Account, will this remain the same?
A. We're excited to announce that your teen's account will automatically convert to a Teen Checking Account. It will earn dividends and they can be issued a debit card if they don't already have one.
 

Loans

Q. How do I assure my Copper State CU loan payment is made on time if the due date is between Jan. 31 and Feb. 3?
A. If we receive your loan payment on Tuesday, February 4, 2025 your payment will be considered on time. Payments can be made in person, by mailed check or via Loan Payment within the new online banking. You can set up your Loan Payment in online banking up until 6 PM MST Thursday, January 30, 2025. If you have automatic payments currently set up for your loan, no action is needed.

Q. Can I still apply for a loan or open an account online during the upgrade weekend?
A. No, our online applications will be unavailable during upgrade weekend. 

Checks
Q. Do I need to order new checks?
A. No, there is no need to order new checks. Your existing checks will continue to work.