Frequently Asked Questions
In addition to the following FAQs, please visit our other Help areas:
Click the question(s) below to display the answer(s):
General Info:
What is a Credit Union?
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.
Who can join Corning Credit Union?
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.
If I leave the employment of one of these companies, do I
need to close my membership?
No! Once you become a member, you can enjoy the benefits
for life, no matter where you live or work.
If I close my membership, do my family members have to close
theirs?
No! Once they become members, they can enjoy the benefits for
life!
Where are you located?
We have offices in New York, New Jersey, Pennsylvania,
and North Carolina. Click here to view a complete listing of branch locations
and hours.
What types of products do you offer?
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! Just scroll your mouse
pointer over the navigation bar above and you'll see firsthand why our membership keeps growing and growing!
What is your Routing and Transit Number?
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.
I am planning an international trip. Is there anything special
that I need to know?
We've gathered a collection of International
Travel Tips to help ensure your trip goes as smoothly as possible.
CCU Accounts:
How do I wire money between my account at the Credit Union and an
account at another financial institution?
To transfer funds into your Corning Credit Union
account, please supply the "from bank" with the following information:
Receiving Financial Institution: ABA #221-381-715
Receiving Financial Institution: Members United Corporate Federal Credit
Union, Albany, NY
For further credit to: Corning Federal Credit Union - Account #222-380-359
For final credit to: Recipient's Name, Member Number, indicate Savings or Checking
To transfer funds from your Corning Credit Union account,
contact us to schedule your transfer.
Are my accounts insured?
Your funds are insured up $100,000 based on the
registration of ownership. There are many ways to increase the amount of coverage. Click
here to learn more.
CCU Loans:
Do I have to go to a CCU branch office to apply for a loan?
You can apply for most loans online using our convenient
online consumer loan application or online
mortgage application.
How long will it take to hear whether or not my loan application
is approved?
Depending on what type of loan you are applying
for, some loans take only minutes to process while others may take approximately 24 hours.
Do you offer loans for businesses?
Yes. Click
here to see loan options for businesses.
Electronic Services:
If I have a CU-Extra Check Card, do I need a MOM ATM Card?
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!
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?
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.
What should I do if I lose my Credit Card or CU-Extra Check Card?
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.
Do you accept Direct Deposit and Payroll Deductions?
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.
What are some of the things the Corning Credit Union Website offers
that can save me time?
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 application 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
eBranch:
Why do I have to use a D.A.D. access code to log into eBranch?
We have added the D.A.D. access code as an additional
layer of security in the login process.
What if I don't want to use D.A.D.?
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.
If I get locked out of my eBranch account,
how can I access my accounts?
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.
How do I change my contact information at the Credit Union,
such as my mailing address, my phone number or my e-mail address?
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."
How do I switch to a new member account number while in eBranch?
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.
How do I transfer money to another member number (cross
member transfers)?
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.
I can't find eStatements in the eBranch site. Where
are they?
Choose "eStatements" form the left side navigation. By default, you will
be presented with your eStatement listing (once you have enrolled).
What are eAlerts?
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).
Online Deposits:
What is Online Deposits?
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.
How do I access the Online Deposit Service?
Access is easy! Just log in to eBranch and click the "Online Deposits" link on the left side navigation.
How does it work?
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.
Is the Online Deposit Service available to all members?
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.
What do I need in order to use Online Deposits?
You will need to have access to eBranch, a Checking
Account, and satisfy certain criteria required by the Credit Union.
How much can I deposit?
You may deposit up to an amount determined by Corning
Credit Union.
How do I view my available balance or limit?
Your available Online Deposit balance or limit appears on
the Welcome Page each time you enter the Online Deposit Service.
How many checks am I able to deposit at one time?
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.
Can I bring my Online Deposit items to a branch?
It is not recommended that you bring the checks into an office
to be processed. However, if it is necessary to bring the checks in, please notify the Member Service Representative
that is processing your checks that the checks were previously deposited online.
Will an ATM accept my Online Deposit items?
No. You may only submit Online Deposit items through the
mail or at any Corning Credit Union branch.
How many days do I have to submit my checks after I complete my
Online Deposit session?
Corning Credit Union must receive your checks within
seven (7) calendar days of the date of your Online Deposit session.
Where do I get Online Deposit envelopes?
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.
If I don't have an Online Deposit envelope, what address should I mail my check to?
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" in the lower left corner of 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
What is a session number?
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.
What if I forget to write down my session number? Where can I find it?
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.
What happens to my account if the Credit Union does not receive my
checks on time?
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.
What is an adjustment?
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 post dated.
- Check is stale dated.
Once I sign up for Online Deposits, do I have to use it?
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.
Can I opt out of Online Deposits?
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.
In which account will my Online Deposit be credited?
At this time, all deposits will be posted to your Share
Draft checking account(s).
What type of check(s) are not accepted through the Online Deposit
Service?
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.
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?
No. Both checks will be accepted without generating an
error.
What if I have questions?
If you have any questions about our Online Deposit Service,
please call us at 607-962-3144 or 800-677-8506, then press 4#. Our Member Service Representatives are available
Monday - Thursday, 9:00 a.m. - 7:00 p.m. and Friday, 9:00 a.m. - 4:45 p.m. (ET).
Protect Yourself:
How can I protect myself from fraud?
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!
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 call.
When you click on a link to a third party website, you will leave our website. Corning Credit Union has no responsibility for or control over the content of those websites. Corning Credit Union cannot ensure that the content of those websites will remain accurate and secure. Corning Credit Union does not represent either the third party website or the member if the two enter into a transaction. All information you enter on that website will be collected and maintained in accordance with the privacy policy of the third party website. CCU encourages you to review the privacy policy and disclosures that are available on the third party website for more information.
