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Checking Accounts


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

Make saving, accessing and using your money easy with a Cornerstone Share Draft 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 Share Draft Checking account, you have access 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.

Fresh Start Checking

Have you had trouble in the past with starting a checking account? Ask us about our Fresh Start Checking to help get you on the right path.

Member Plus Checking

Cornerstone CFCU is pleased to offer Member Plus Checking which can help you earn dividends, receive special travel savings, get cash back with Everyday Rebate Rewards, and more! You will receive incredible savings and financial advantages for only $5 per month.

With Members Plus Checking, you’ll enjoy advantages like:

  • FREE money orders
  • FREE official checks
  • FREE Debit Card Replacement, $50 rebate on New Closed End Consumer Loans (minimum $7,500), and more!

Click here to see more of the advantages you’ll receive with Member Plus Checking.

With Cornerstone Share Draft Checking, you enjoy money-saving benefits:

  • 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, OASIS or CURTIS
  • Monthly statements

Ask a Member Service Representative at your local CCFCU branch for details.

Green credit cards

VISA® Check Card

Our VISA® Check Card looks like a credit card but acts like a check, allowing you to make purchases directly from your Cornerstone checking account everywhere VISA® is accepted – without worrying about interest charges – so you can access your money whenever you need it.

You can access your account at thousands of ATMs locally and around the world, transfer funds between your Share and Share Draft Checking accounts, and check your account balances. Plus, you can withdraw money at thousands of MoneyPass surcharge-free ATMs. Make up to three quick withdrawals a month from your main Share account and your Share Draft Checking account at no charge.

Plus, you can rest assured that all your transactions are completely secure. With your four-digit Personal Identification Number (PIN), only you can access your account.


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 OASIS Home Banking
  • Cornerstone App, the convenient way to access banking on your Apple or Android smart device
  • Phone, using the CURTIS Telephone Banking System by calling 800.488.6481

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.


Checking Account Terms and Conditions:

  • You must be 16 or older to open a Share Draft Checking account.
  • VISA® Check Card is available to anyone 18 or older (age 16-17 with parental approval).
  • Your first VISA® Check Card is free.
  • Withdraw up to $500 per day.
  • No fees on up to six withdrawals per month per account. Excluded are withdrawals made at any Cornerstone branch ATM, which are totally free for VISA® Check Card holders. Balance inquiries and transfers are free.
  • Any fees assessed on the account will be charged to your Share Draft Checking account. If the funds are unavailable, we will automatically charge any remaining accounts you have on deposit.
  • Cornerstone App access is based upon wireless network availability. Your wireless carrier may charge you for services.
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