Mobile Banking FAQ

Learn more about the features available in CFCU Mobile Banking.


What Cornerstone accounts may I access online?

You can be granted access to any deposit account or loan on which you are owner or joint owner, including your child's account. You must have your own membership account to create a digital banking login.

How do I request online access to my joint accounts?

Contact us by secure message, email, or phone to request access. We will confirm your eligibility and provide appropriate access.

What can I see and do on my joint accounts?

As a joint owner, you will be able to view account balance and transaction history. You may also transfer money into the connected account – the account will appear in your "transfer to" account list. You will not be able to withdraw money from the connected account. Each membership has one login that is authorized to make withdrawals.


What is Bill Pay?

Bill Pay lets you send money ("payment") to a company, person, or one of your accounts at another financial institution. Payments can be scheduled one-time or on a recurring basis. Payments are delivered electronically when possible, or by check when electronic delivery is unavailable.

What are the eligibility requirements to use Bill Pay?

Bill Pay requires a checking account.

How do I register for Bill Pay?

Bill Pay registration is available in Online Banking. Select the Bill Pay tab to get started. After registration is complete, Bill Pay is available to use in Mobile Banking.

What fees are associated with Bill Pay?

Bill Pay is free to use. There is no cost associated with sending payments. There are two fees possible:

  1. A $3/month inactivity fee if no payments are processed over a 90-day period.
  2. A $35 stop pay fee if you request to stop a payment delivered by check.

How do I cancel Bill Pay?

Please send us a message to request Bill Pay cancellation.


What is Card Controls?

Card Controls lets you disable your debit card temporarily or permanently and customize your daily point-of-sale spending limit. You can change your debit card PIN by calling 866-985-2273.

Are changes made in Card Controls immediate?

Yes, changes to the card status or daily limit are immediate.

What types of transactions are affected by the daily limit?

Point-of-sale transactions, both at a store or online, are affected by the daily limit. ATM withdrawals have a separate limit that is not customizable.

How do I get a new debit card?

Debit cards are issued instantly at our branches. You may also contact us to request mail delivery, which takes up to 10 business days.


What is Finance Manager?

Finance Manager lets you create budgets, establish savings or debt reduction goals, and tag/categorize transactions.

How does a Budget work?

Budgets are tag/category specific. It requires that you tag transactions in order to update the associated budget. For example, if you have a Dining Out budget, you must tag the appropriate debit card transactions as Dining Out.


What is Remote Deposit?

Remote Deposit lets you deposit a check by taking a picture of the front and back. It eliminates the need to bring the check to a branch.

Are there deposit limits?

Remote Deposit limits are daily and include immediate credit, amount, and number of checks. The immediate credit and amount limits are disclosed on the Remote Deposit screen prior to submitting a deposit. These limits are based account types and account history.

How should I take a picture of a check?

Place the check on a flat surface, preferably with a contrasting color, with adequate lighting in order to minimize shadows. Wrinkles or creases can interfere with the software's ability to read the check information. Issues can also be encountered when the signature interferes with the bottom account number or when the amount field numbers are unclear.

Should I keep the check after successful Remote Deposit?

After successfully depositing a check remotely, you may choose whether to securely discard the check immediately or after a period of time. The Credit Union does not need a copy of the physical check. Use a paper shredder or rip the check into several pieces.


What options are available under Settings?

Settings lets you modify your contact information, enable biometric authentication, and edit the Quick Balance feature.

How do I change my password?

Select the Reset Password link on the login screen.

How do I change my username?

Your username can be changed in Online Banking. Alternatively, you may contact us to request re-registration to setup new credentials.

What is a one-time PIN (OTP) email?

To register a new device you may need to enter a one-time PIN (OTP) sent to your email address on file. If you did not receive the email, please contact us to review your account information.


What is Skip Pay?

Skip Pay lets you skip a loan payment by advancing the loan due date one month.

Is there a fee associated with Skip Pay?

Yes, there is a $40 fee to skip a loan payment. This fee must be paid from a savings, checking, or money market account. Sufficient funds must be available in a share to complete the Skip Pay.

Why is there no Skip Pay option in my app?

The Skip Pay option is only visible in the app when there is an eligible loan. Many factors are taken into consideration for loan eligibility, including the type of loan, term length, and payment history. Please contact us for more details about Skip Pay eligibility of your loan.


What options are available for Transfers?

Transfers let you move money from one share to another, make a loan payment, or advance money from a line of credit.

What accounts are eligible for Transfers?

You may transfer money out of any share or line of credit under your membership with an available balance. Certificates, Christmas Savings, and IRAs are ineligible for transfer withdrawals. You may transfer money into any share or loan under your membership or to which you have been granted access as a joint owner. Please contact us if you have questions about gaining access to another account on which you are joint owner.

How do I make a principal only loan payment?

Principal only loan payments are not available in the mobile app, but you can make principal only payments in Online Banking.

How can I schedule a transfer?

Scheduled transfers and payments are available in Online Banking. Mobile app transfers are immediate.