Frequently Asked Questions

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.

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.

No! Once you become a member, you can enjoy the benefits for life, no matter where you live or work.

No! Once they become members, they can enjoy the benefits for life!

We have offices in New York, New Jersey, Pennsylvania, and North Carolina. Click here to view a complete listing of branch locations and hours.

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!

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.

We've gathered a collection of International Travel Tips to help ensure your trip goes as smoothly as possible.

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.

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.

You can apply for most loans online using our convenient online consumer loan application or online mortgage application.

Depending on what type of loan you are applying for, some loans take only minutes to process while others may take approximately 24 hours.

Yes. Click here to see loan options for businesses.

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!

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.

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.

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.

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

We have added the D.A.D. access code as an additional layer of security in the login process.

You will need to use your D.A.D. access code to log in to Home Banking. 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 you have enrolled in our Account Unlock and Forgot Login Service, to request an unlock and/or request new login information, select the link titled "Account Unlock and Forgot Login" on the Home Banking Login page. You will be prompted to enter your Member Account Number, e-mail address, and a reset option. Then you will be prompted to answer the security question you selected during the enrollment process. Upon entering the correct answer to the security question, a message will be sent to your e-mail address with instructions for finishing the remainder of the unlock process.

Log in to your Home Banking account(s). Each Home Banking account will need to be enrolled separately. The Enrollment form is located under the Online Forms tab. Follow the prompts to complete the enrollment process. The Service will be available for your use within 24 hours of your enrollment.

If your Home Banking or D.A.D. services are locked (usually due to multiple invalid login attempts), contact the Credit Union and we will unlock the services for you. In the meantime, you can still access your accounts using your CU-Extra or M.O.M. cards.

The enrollment process allows us to collect specific information from you that will be used to verify your identity when the Service is requested.

You can change your personal contact information safely and securely within Home Banking by clicking on the "Personal Profile" tab, entering your information, and clicking the Update button

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.

Click on the Account Transactions tab and select "Transfers." Choose the account you want to transfer from. When you click the drop-down list of accounts you can transfer to, you will see the other member account numbers you are set up to transfer to; choose the one you wish to transfer to. Key in the amount you would like to transfer and click the "Continue" button. The next screen you see will contain a drop-down list of all of the accounts and loans on the account you are transferring to. Click to choose and then click the "Continue" button. Confirm the transfer information and click the "Transfer" button.

Click on the Online Forms tab and select "Additional Accounts / Services." Complete the top portion of the form, then click on the "D.A.D. (Dial Accounts Direct)" link. You will be taken to the Cross Member D.A.D. section of the form. Key in the account information and scroll to the bottom and click the submit button. Since the D.A.D. and Home Banking systems are closely tied, your D.A.D. information crosses over automatically to Home Banking.

You can obtain a printer-friendly version by using your browser's normal print functions on the toolbar or in the "File" menu.

Once you have paid your minimum amount due, your due date will advance ahead to the next due date. The current balance will adjust based on the payment applied and interest paid. Your minimum amount due will not change until it is recalculated at the beginning of the next billing period.

Once your monthly payment has been made, your due date will advance ahead by one month. After that, any extra payments made during the current period will be applied toward that period.

The payment amount showing is the original payment amount for this loan. With the balance showing $0, no payment is due for this loan.

We're excited to be able to offer this new option. You can now take an advance from your Home Equity Line of Credit and deposit it into your Share Savings or Share Draft Checking Account.

Click the eServices tab. By default, you will be presented with your eStatement listing (once you have enrolled). Other options within the eServices tab are eAlerts and Check Reordering.

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 Deposit 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.

Access is easy! Just log in to Home Banking, click the eServices tab, then click the Online Deposits link.

Just make your deposit through our Home Banking 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.

Members must satisfy certain criteria to qualify for the Online Deposit Service. To find out if you qualify, please call us at 607-962-3144 or 800-677-8506, then press 4# for a Member Service Representative.

You will need to have access to Home Banking, a Checking Account, and satisfy certain criteria required by the Credit Union.

You may deposit up to an amount determined by Corning Credit Union.

Your available Online Deposit balance or limit appears on the Welcome Page each time you enter the Online Deposit Service.

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.

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.

No. You may only submit Online Deposit items through the mail or at any Corning Credit Union branch.

Corning Credit Union must receive your checks within seven (7) calendar days of the date of your Online Deposit session.

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 607-962-3144 or 800-677-8506, then press 4# for a Member Service Representative.

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

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.

You can view your session number for any pending deposits by clicking the "Deposit Details" link on the Welcome Page when you enter the Online Deposit Service. All of your pending deposits will be listed, including the session number.

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.

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.

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.

Yes. Click on the "Opt Out" link that appears at the bottom of the Welcome Page when you enter the Online Deposit Service and follow the instructions. You may reenroll for the service at any time.

At this time, all deposits will be posted to your Share Draft checking account(s).

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.

No. Both checks will be accepted without generating an error.

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).

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 Home Banking 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!