If you've got questions about banking with us, accounts, loans, our online banking system or how to protect yourself, then you've come to right place. We've designed this page to help answer your questions and if you don't see your answer here, email or give us a call. One of our representatives will be happy to assist you.
To find answers to your questions click on the topic section(s) below:
Q: What is a Credit Union?
A: A Credit Union is a not-for-profit cooperative comprised of members sharing a common bond. Members are the owners, and only members can use the services of the Credit Union.
Q: Who can join Corning Credit Union?
A: If you are an employee, retiree, or immediate family member of one of our Member Groups, if you live, work, worship, or attend school in one of our Community Areas, or if you are an immediate family member Corning Credit Union member, you are in the field of membership.
Q: If I leave the employment of one of these companies, do I need to close my membership?
A: No! Once you become a member, you can enjoy the benefits for life, no matter where you live or work.
Q: If I close my membership, do my family members have to close theirs?
A: No! Once they become members, they can enjoy the benefits for life!
Q: Where are you located?
A: We have offices in New York, Pennsylvania, and North Carolina. Click here to view a complete listing of branch locations and hours.
Q: What types of products do you offer?
A: We offer a wide range of products and services to meet your needs. Our accounts and loans are designed with you in mind and our rates are some of the best available. We provide you with access to your accounts and loans 24/7!
Q: What is your Routing and Transit Number?
A: 222380359. Our member account numbers must be converted to a 10-digit or 14-digit number for direct deposit. Please call our Member Contact Phone Center and one of our Member Service Representatives will assist you.
Q: I am planning an international trip. Is there anything special that I need to know?
A: We've gathered a collection of International Travel Tips to help ensure your trip goes as smoothly as possible.
Go to the top
Q: How do I wire money between my account at the Credit Union and an account at another financial institution?
A: To transfer funds into your Corning Credit Union account, visit our Bank Wire Transfers page for instructions.
Q: Are my accounts insured?
A: Your funds are insured up $250,000 based on the registration of ownership. There are many ways to increase the amount of coverage. Click here to learn more.
Go to the top
Q: Do I have to go to a CCU branch office to apply for a loan or request an advance?
A: You can apply for a loan or request an advance for most loans online using our convenient online consumer loan request or online mortgage application.
Q: How long will it take to hear whether or not my loan request is approved?
A: Depending on what type of loan you are requesting, some loans take only minutes to process while others may take approximately 24 hours.
Q: Do you offer loans for businesses?
A: Yes. Click here to see loan options for businesses.
Go to the top
Q: If I have a CU-Extra check card, do I need an ATM card?
A: No. Your CU-Extra check card can be used as an ATM card as well as a check card, providing you with less plastic and even more convenience!
Q: If I am using my CU-Extra check card to make a purchase at a grocery store or gas station, do I select credit card or debit card?
A: To receive fast approvals (no need to enter your P.I.N.), select Credit Card. The amount of the purchase will still be deducted from your Checking Account and your purchases may be protected under Visa regulations.
Q: What should I do if I lose my credit card or CU-Extra check card?
A: You must contact CCU immediately upon realizing that your card(s) is missing. If it is during non-business hours, don't wait! We have a Lost/Stolen Card reporting system available 24 hours a day, seven days a week.
Q: Do you accept direct deposit and payroll deductions?
A: We certainly do! Just ask your employer if they participate in a Direct Deposit program through the ACH (Automated Clearing House) Network. Click here for more information regarding our Direct Deposit and Payroll Distribution program.
Q: What are some of the things the Corning Credit Union website offers that can save me time?
A: We understand your busy lifestyle. Our website not only puts a wealth of information right at your fingertips, it also offers you 24-hour access to:
- Review your account histories and loan histories.
- Quickly search for checks that have cleared your account.
- View and/or print cleared checks.
- Perform account transfers.
- Make your loan payments.
- Obtain the payoff amount for your CCU loan(s) for a projected date.
- Loan request and approval.
- Customize the name of your Share and Share Draft Checking Accounts.
- Reorder your checks.
- Open new certificates online instantly.
- Open various accounts and services.
- Stop payment on your checks.
- Change your address.
- Request a membership application.
- View your eStatements online.
Go to the top
Q: I don't see "https" or the green security bar in my browser when I'm viewing the home page. Is the eBranch login still secure?
A: Yes! We take the security of our members' information very seriously. While the entire home page may not always load using a secure connection, the login portion of the page is still loading in a secure area, and all login information is being transmitted securely.
Q: Why do I have to use a D.A.D. access code to log into eBranch?
A: We have added the D.A.D. access code as an additional layer of security in the login process.
Q: What if I don't want to use D.A.D.?
A: You will need to use your D.A.D. access code to log in to eBranch. Beyond that, you do not have to use the D.A.D. service. However, D.A.D. is a great way to access your account and loan information 24/7 when you don't have convenient access to a computer.
Q: If I get locked out of my eBranch account, how can I access my accounts?
A: To reset your password and log in to eBranch, follow both steps located under "New User, or Forgot Your Password?" located on the eBranch login screen.
Q: How do I change my contact information at the Credit Union, such as my mailing address, my phone number or my e-mail address?
A: You can change your personal contact information safely and securely within eBranch by clicking on the "My Information" link on the left-hand navigation and choosing "Set Email Address" or "Change Contact Information."
Q: How do I switch to a new member account number while in eBranch?
A: To switch to a new member account number, click the "Logout" link at the top right corner of the screen, then enter the login information for the new member account number.
Q: How do I transfer money to another member number (cross member transfers)?
A: Click the "Transfers" link on the left-side navigation. The "Cross Member" option will be listed. Choose the account you wish to transfer from. Then choose the account you wish to transfer to and enter the amount to transfer and an optional comment. Click the "Submit" button to complete the transfer.
Q: I can't find eStatements in the eBranch site. Where are they?
A: Choose "eStatements" form the left-side navigation. By default, you will be presented with your eStatement listing (once you have enrolled).
Q: What are eAlerts?
A: An eAlert is an email that you set up to be automatically sent to you when a specified scenario occurs on your account. For example, you can set up an eAlert to notify you when the balance in your checking account falls below $25 (or any specified amount).
Go to the top
Q: What is Online Deposits?
A: The Online Deposit Service is the most convenient way to deposit checks without going to a CCU office. You can make a deposit 24/7 and have instant access to a portion of your deposit.
Q: How do I access the Online Deposit Service?
A: Access is easy! Just log in to eBranch and click the "Online Deposits" link on the left side navigation.
Q: How does it work?
A: Just make your deposit through our eBranch service and be sure that we receive the checks within seven (7) calendar days. Your account will be credited, and a portion of your deposit will be made available immediately for you to use to pay bills, make a cash withdrawal, or make a transfer.
Q: Is the Online Deposit Service available to all members?
A: Members must satisfy certain criteria to qualify for the Online Deposit Service. To find out if you qualify, please call a Member Service Representative at 607-962-3144 or 800-677-8506 during normal business hours.
Q: What do I need in order to use Online Deposits?
A: You will need to have access to eBranch, a checking account, and satisfy certain criteria required by the Credit Union.
Q: How much can I deposit?
A: You may deposit up to an amount determined by Corning Credit Union.
Q: How do I view my available balance or limit?
A: Your available Online Deposit balance or limit appears on the Welcome Page each time you enter the Online Deposit Service.
Q: How many checks am I able to deposit at one time?
A: There is no limit to the number of checks per deposit, provided their total does not exceed your available deposit amount. In addition, there is no limit to the number of deposits you can make, provided you do not exceed your available deposit amount.
Q: Can I bring my Online Deposit items to a branch?
A: Yes. Your Online Deposit needs to be received within 7 calendar days. You may mail these checks or deliver these checks in person. If it is easier for you to bring the checks in, please notify the Member Service Representative that is processing your checks that the checks were previously deposited online.
Q: Will an ATM accept my Online Deposit items?
A: No. You may only submit Online Deposit items through the mail or at any Corning Credit Union branch.
Q: How many days do I have to submit my checks after I complete my Online Deposit session?
A: Corning Credit Union must receive your checks within seven (7) calendar days of the date of your Online Deposit session.
Q: Where do I get Online Deposit envelopes?
A: You may order a supply of envelopes with a click of a button during your Online Deposit session, pick them up at any CCU branch, or call a Member Service Representative at 607-962-3144 or 800-677-8506 during normal business hours.
Q: If I don't have an Online Deposit envelope, what address should I mail my check to?
A: We highly recommend you use our Online Deposit envelopes to ensure your checks are received on time and processed properly. However, if you need to send checks and do not have an Online Deposit envelope, please write "Session #xx" above the CCU address on your envelope (using the number from your Session Summary screen) and address the envelope exactly as follows:
Corning Credit Union
PO Box 1140
Corning, NY 14830
Q: What is a session number?
A: A session number is a number that is automatically assigned to each Online Deposit session. The session number must be placed on the front of each Online Deposit envelope mailed to the Credit Union to ensure proper processing.
Q: What if I forget to write down my session number? Where can I find it?
A: You can view your session number for any pending deposits by clicking the "Pending Deposits" link on the Welcome Page when you enter the Online Deposit Service. All of your pending deposits will be listed, including the session number.
Q: What happens to my account if the Credit Union does not receive my checks on time?
A: If the Online Deposit items are not received by the Credit Union within the 7-calendar day grace period, the deposit total may be reversed on your account. This may result in a negative share balance on your account.
Q: What is an adjustment?
A: An adjustment is a correction or reversal made to your account when the check(s) received by the Credit Union do not match what was entered into Online Deposits, and/or the checks are late or are not received.
The following examples would require an adjustment to your account:
- The check amount does not match the amount on your deposit receipt.
- Extra deposit items have been included in the envelope.
- Deposit items have been omitted from the envelope.
- Check received is drawn on a foreign institution.
- Check is postdated.
- Check is stale dated.
Q: Once I sign up for Online Deposits, do I have to use it?
A: No. Online Deposits is a FREE service designed to make it easier to manage your Credit Union account. However, you are not required to use it and there are no dormant fees.
Q: Can I opt out of Online Deposits?
A: Yes. Click on the "Disclosure" link that appears at the bottom of the Welcome Page when you enter the Online Deposit Service and follow the instructions. You may re-enroll for the service at any time.
Q: In which account will my Online Deposit be credited?
A: At this time, all deposits will be posted to your Share Draft checking account(s).
Q: What type of check(s) are not accepted through the Online Deposit Service?
A: Unacceptable online deposits include, but are not limited to, the following:
Online deposit of a Credit Union Check Drawn on Your Personal Account - The online deposit of a personal check that is drawn on your own account at the Credit Union is prohibited.
Non-Negotiable Items - The online deposit of any item stamped with a "non-negotiable" watermark is prohibited.
Altered Checks - An altered check is any check that contains evidence of a change (correction fluid, crossed out amounts, etc.) to information on the face of the check. Members with altered checks must get a replacement check from the maker before the Credit Union will accept the online deposit.
Foreign Checks - A foreign check is any check that is drawn on an account that is held in a financial institution in another country (Canada, France, etc.). Foreign checks may only be deposited by mail or in person.
Incomplete Items - An incomplete item is any item that does not contain signatures of the maker, endorsement signatures, or is missing any of the information required during key-entry in an online deposit session.
Stale Dated Checks - Certain checks contain instructions such as: "Void 90 days after issue date" or "Must be cashed within six months of issue date." Members with stale dated checks must get a replacement check from the maker before the Credit Union will accept the deposit.
Checks Older than 90 Days - You may not deposit any check that is older than 90 days, even if that check is not stale dated by the terms of the check.
Q: If I have two checks from two different makers that happen to have the same check number and the same dollar amount, will entries be rejected?
A: No. Both checks will be accepted without generating an error.
Q: What if I have questions?
A: If you have any questions about our Online Deposit Service, please call us at 607-962-3144 or 800-677-8506.
Go to the top
Q: How can I protect myself from fraud?
A: CCU offers an entire section on our website devoted to helping you protect yourself against fraud. In addition, follow these important tips:
- Never choose a Personal Identification Number (P.I.N.) that contains personal information (date of birth, phone number, social security number, etc.).
- Never carry your P.I.N. with you.
- Do not set your browser to retain your eBranch member account number, access code and password.
- Never give your card number over the phone to unsolicited callers (sweepstakes, unknown telemarketing vendors).
- Do not leave cash, checks, or credit cards unattended or in your vehicle.
- Never discard a receipt containing your card numbers in public trash. Always tear them thoroughly and discard them at home.
- Always review your monthly statements in detail and report any discrepancies immediately. They are sent for your protection!
Go to the top
Do you have questions that aren't on this list? We'd love to hear from you! Just send us an email or give us a call.