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.
Earn More with Community Checking!
Grow your money 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.
- 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.
Terms and conditions apply. Call 716.434.2290 and our team will help you get started today. Click here for the full disclosure, terms, and conditions.
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.
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.
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 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.
Community Checking Terms and Conditions:
*APY=Annual Percentage Yield. 5.25% APY is accurate as of 9/1/2023. Dividends will not be paid if all qualifying specifications have not been met on a monthly basis including: minimum of one direct deposit or ACH credit of at least $500.00, minimum of two ACH withdrawals or payments, minimum of twelve debit card swipes, must enroll in and agreed to receive e-statements and maintain a valid email address on account. Dividends paid on balances over $10,000 and non-qualifying accounts is 0.01% APY . Dividends not paid if requirements are not met. Balances below $10,000 and meeting the qualifications will earn 5.25% APY. Monthly requirements must occur by 5:00 p.m. ET on the last day of the month. Rate subject to change without notice. Fees or other conditions could reduce earnings on the account. Membership eligibility required. No minimum balance required. Overdraft/returned item fees may apply.