Important Notice: Scheduled Maintenance

Our systems will be undergoing scheduled maintenance on Sunday, January 18, 2026, from 1:00 AM to 7:00 AM EST. During this time, online, mobile, and audio banking, as well as ATM services, may experience a temporary disruption. We thank you for your patience and apologize for any inconvenience this may cause.

716.434.2290 

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Checking Accounts

    Earn More with Community Checking!

    Enjoy fast and easy access to your money anytime, anywhere with our high-yield personal checking account, Community Checking, available to new and current members!

    Earn up to 5.25% APY* on balances up to $10,000 when you meet five simple requirements:
    • At least 1 direct deposit or ACH credit of at least $500.00.
    • At least 12 debit card swipes (online or in-person)
    • At least 2 ACH withdrawals or payments.
    • Be enrolled in & agree to receive e-statements rather than paper statements.
    • Maintain a valid email address on your account.
    Open an Account Online

    View the full disclosure, terms and conditions. 

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Enjoy fast and easy access to your money anytime, anywhere.

Make saving, accessing and using your money easy with a Cornerstone Checking Account. It’s simple to set up a new checking account with CCFCU and establish direct deposit of your payroll, Social Security or other government checks so your money can get to the credit union even when you’re on the go, helping you to save both money and time.

With a Cornerstone Checking Account, you have access to the money you need – when and where you need it. To establish a new checking account, stop by any Cornerstone CFCU branch or call us at 716.434.2290.

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ClickSWITCH & Direct Deposit

We simplify the process of transferring your direct deposits to your Cornerstone account! ClickSWITCH helps you move automatic payments and direct deposits from one account to another in just a few clicks. With ClickSWITCH, you can:

  • Securely switch direct deposits and recurring payments.
  • Monitor the status of your requested switches.
  • Track and confirm when your account has been switched to Cornerstone.

How to get started:

  1.  Call us at 800-488-6481 or stop by a branch to obtain a SwitchTRACK code.
  2. Log into ClickSWITCH and set up your Username and Password.
  3. Gather information for your existing automated payments and direct deposits.
  4. Submit each switch and ClickSWITCH takes care of the rest!

With A Cornerstone Checking Account, you enjoy money-saving benefits:

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  • No monthly maintenance fees or per-check charges

  • No minimum balance requirements

  • One free box of checks per year if you’re retired and have your Social Security or pension payments directly deposited into your Cornerstone account

  • Unlimited check writing privileges

  • Link your Cornerstone accounts so you always have access to your money when you need it

  • Overdraft protection linked to other service accounts

  • Pay bills online with Bill Pay services

  • Transfer funds with the Cornerstone App, Online Banking, or Telephone Banking

  • Monthly statements

Access your money when you need it

MoneyPass ATM Network

ATM surcharges are on the rise, but Cornerstone can help you avoid them. We’ve teamed up with MoneyPass, to provide members with unmatched convenience and savings*. With thousands of surcharge-free ATM’s, all you need is a Cornerstone VISA® Debit Card to enjoy the most accessible, easy-to-use ATM network in the nation.

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CO-OP Shared Branches & Local Locations

Cornerstone CFCU also provides members with access to more than 5,000 shared branch locations across the country through a network of CO-OP credit union partners. Cornerstone members can visit these CO-OP locations to cash checks, make payments, withdrawals, transfers or loan payments, and purchase money orders just as they could at any Cornerstone branch location.

Find A CO-OP Branch Location
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eServices

With Cornerstone, you can do all of your banking conveniently from home, the office or when you are out and about. Enjoy 24-hour access to your money, transfer funds and check your balance using any of these options:

  • Online, using Online Banking
  • Cornerstone App, the convenient way to access banking on your Apple or Android smart device
  • Phone, using the our Telephone Banking System by calling 1-800-676-2878

All of your transactions and deposits, including VISA® Check Card activity and telephone or internet banking transactions, will be clearly detailed on your monthly statements to help you keep careful track of your accounts for easy record keeping.

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ALERT:
Scammers posing as Cornerstone employees are calling or texting regarding suspicious activity or account issues. We never ask for login info, PINs, card numbers, or codes. Hang up and call Cornerstone directly.
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