Learn more about the features available in Online Banking.
What are Alerts?
Alerts are email or text message notifications delivered when the chosen criteria is met.
What alert criteria is available?
Alerts can be sent based on account balance, new transactions, loan due date, new message, or sign in. There are predefined alerts, but you can also create custom alert criteria.
How often are alerts sent?
For many alerts you may choose the frequency: All Day, Daily, Weekly, or Monthly. All Day alerts are sent within 30 minutes of the event. Daily, Weekly, and Monthly alerts are processed overnight.
How do I setup text message alerts?
You must add a text message email to your Profile. The format is [MobileNumber]@[CarrierDomain]. Instructions are provided to help you use the correct Carrier Domain.
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 also 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:
- A $3/month inactivity fee if no payments are processed over a 90-day period.
- 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 check services are available?
Check Services provides three different check-related services:
- Check Request - receive a check in the mail made payable to yourself.
- Check Stop Payment - place a stop payment on a check that has not cleared your account.
- Check Order - re-order checks from Harland Clarke. Depending on your order history, you may need to contact us to place a check order, including first-time orders and orders with updated personal information.
What options are available for Payments?
Payments let you move money from a share under your membership to a loan one-time or recurring. Eligible loans include those under your membership and those on which you are a joint owner. If you do not see a loan on which you are a joint owner, please contact us to add to your profile.
How do I make a principal only loan payment?
Select the Principal Only option when setting up the loan payment.
How do I schedule a payment?
Select the Scheduled Loan Payments option below the Loans tab. Scheduled payments allow you to select frequency, start date, and end date. The source account must be a share under your membership.
How do I advance from a line of credit?
Select the Credit Line Advance option below the Loans tab. There is no minimum for a Line of Credit advance, but a Home Equity Line of Credit has a $500 minimum.
How do get my transactions into Quicken?
Select Options in the Account Summary table, then choose Download to Quicken - QFX. You may import that file into Quicken.
May I use Quicken One Step Update?
Our current Online Banking login security process is not fully compatible with Quicken One Step Update. We recommend downloading the Quicken QFX file for import.
What can I do with Reports?
Reports let you track expenses and income by category and set up a budget. Most transactions can be categorized automatically.
How do I adjust categories?
Select the Categories option below the Reports tab. Then select the edit icon (paper and pencil). There you can set up a budget for the category and adjust auto-categorization using the keyword rules. Keyword rules are comma-separated keywords that attempt to match the transaction description to assign the category. If you need to change keyword rules, we recommend reviewing existing keyword rules as a guide.
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 am I unable to complete a Skip Pay?
The Skip Payment button appears below the Make Payment button only for eligible loans. 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 one-time or recurring. External Transfers let you move money out of your Cornerstone account into an account you have at another financial institution.
What accounts are eligible for Transfers?
You may transfer money out of any share or under your membership with an available balance. Certificates, Christmas Savings, and IRAs are ineligible for transfer withdrawals. You may transfer money into any share 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 schedule a transfer?
Select the Scheduled Transfers option below the Transfers tab. Scheduled transfers allow you to select frequency, start date, and end date.