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What to Expect While Visiting a CCU Lobby During the COVID-19 Pandemic

Posted in
Updated August 11, 2020 4:30 PM
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In March, we closed our lobbies to help prevent the spread of COVID-19 in all three of our markets. In May, we began to welcome members back into some of our lobbies after we implemented careful precautions to keep our members and team safe. If you have yet to visit one of our open lobbies or are curious about how we’re moving forward together during the pandemic, you can learn more about what to expect while visiting a CCU lobby during the COVID-19 pandemic below.

Safety Precautions Inside the Lobby

As we carefully monitor the evolving situation, we are gradually and strategically opening up our lobbies with limited services. We encourage you to visit us inside an open lobby if you have a more complex transaction. Before visiting us inside the lobby, please note the following precautions are in place to help protect our members and teammates during the COVID-19 pandemic:

  • Face masks are required when inside any branch in NY, PA, and NC
  • Plexiglass shields have been installed at all member representative stations
  • Approximately half of our member representative windows will be open
  • Social distancing is required
  • Only limited services will be provided (teller transactions only; coin machines are now available at some branches – please call us to find an available one near you)
  • The number of members inside the branch at any one time is limited, which may lead to longer wait times.

To find an available lobby near you, please click here

Other Convenient Ways to Complete Your Transaction

While using the lobby is a great option for assistance with your transactions, we also offer other convenient ways to complete your transactions. If you have a simpler transaction, such as a deposit or withdrawal, we recommend using the drive-thru or a local surcharge-free ATM. Additionally, with digital banking, you can perform almost all of your banking transactions from the comfort of your own home using your smartphone or computer. From paying bills to depositing checks, you can safely and securely bank from home whenever you need. Learn more about managing your money from anywhere here.

We Look Forward to Serving You

Whether you choose to visit us in the lobby, in the drive-thru, or remotely for your next transaction, we look forward to serving you – now and in the future. If have any questions or are unsure about the best way to conduct a transaction, please contact us for assistance. 

 

Lobby vs. Drive-thru: Which One is Best for Your Next In-person Transaction?

Posted in
Updated July 09, 2020 4:09 PM
2020 Lobby vs Drive thru

As communities continue to reopen, you may be wondering if visiting the lobby or using the drive-thru is the best option for your banking needs. Rest assured, our goal is to make your next visit as seamless as possible while also maintaining a safe environment. In an effort to help prevent the spread of COVID-19 in the NY, PA, and NC markets we serve, we’ve outlined how we can best serve you in person during this time. 

When to Visit a CCU Lobby

We are gradually and strategically opening up our lobbies with limited services. If you have a more complex transaction, we welcome you to visit an open lobby for assistance. During your lobby visit, please note we have instituted the following precautions to help protect our members and teammates during the COVID-19 pandemic:

  • Face masks are required when inside any branch in NY, PA, and NC
  • Plexiglass shields have been installed at all member representative stations
  • Approximately half of our member representative windows are open
  • Social distancing is required
  • Only limited services will be provided (teller transactions only)
  • The number of members inside the branch at any one time is limited, which may lead to longer wait times

To find an available lobby near you, please click here.

When to Use a CCU Drive-thru

Using the drive-thru is a great for simpler transactions, such as deposits and withdrawals. When visiting the drive-thru, please note we are still seeing an increase in drive-thru traffic and longer than normal wait times on certain days. To learn more about wait times and using the drive-thru, read our Drive-thru Tips to Make Your Trip Easier blog post.

Additional Options

If you would rather skip the lobby and drive-thru for a withdrawal or deposit transaction, using an ATM might be a good choice for you. You can access a number of convenient, local ATMs, as well as thousands of surcharge-free ATMs across the country. Find an ATM near you.

Simultaneously, we understand the importance of staying home and minimizing the number of places we visit during a pandemic. Luckily, with digital banking, you can perform almost all of your banking transactions from the comfort of your own home using your smartphone or computer. From paying bills to depositing checks, you can safely and securely bank from home whenever you need. Learn more about managing your money from anywhere here. 

Questions?

If have any questions or are unsure about a transaction, please contact us for assistance. We’re here for you – now and in the future. 

 

Drive-thru Tips to Make Your Trip Easier

Posted in
Updated April 13, 2020 8:46 PM
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As we adjust to the way we live and work during these unprecedented times, we understand this also includes adjusting to the way we bank, too. It’s no secret drive-thrus are seeing an increase in the number of members visiting to complete a variety of transactions. This means wait times to perform your transaction may be longer than usual. The good news is that our team is working diligently to ensure your visit to the drive-thru is as seamless as possible. That’s why we put together a few tips to help improve your next drive-thru experience. 

Filling Out a Drive-thru Slip

If you are withdrawing or transferring from your account, you will need to fill out a drive-thru slip. These slips are located in the receptacle in the drive-thru line as you pull into the drive-thru. Use the tube system to give your completed slip to the representative to complete your transaction. View a sample drive-thru slip here.

Remember Your ID and Account Information

Don’t forget to bring a form of ID and to have your CCU account number or your debit card(s) ready. You will need to provide these to verify your identity and perform your transaction safely and securely.  

Some Days May Be Busier; Expect Longer Wait Times

While we have seen a general increase in drive-thru traffic due to the impact of COVID-19, we have found that some days are also busier than others. If you’re planning a trip to the drive-thru, please note that we typically see an increase in drive-thru traffic on the 1st and 3rd of each month, particularly if they fall on a Thursday or Friday, resulting in longer wait times. If you’d like to visit us on these days, please plan ahead to give yourself plenty of time to make it to your other destinations. 

Depositing Coins or Large Deposits

If you would like to deposit rolled/loose coins, or large/heavy deposits, you can do so by placing them in the night depository. If placed in the drive-thru canisters, it could cause them to get stuck or break. To find out where the nearest night depository is located, click here or contact us

Other Tips

When visiting the drive-thru, please note:

  • Transactions must be performed from the safety of your vehicle
  • There are lane markers to help with traffic and decrease the chances of blocking any vehicles exiting the parking lot
  • We encourage you to endorse your checks before getting in line at the drive-thru – this will help complete your transaction quicker and minimize your contact with others
  • If you have a loud vehicle, we encourage you to turn off your engine while you wait in line to allow our member service representatives to hear the members they’re helping – this will help decrease wait time, too
  • Stay alert and pull up when able
  • Please be aware that we are unable to do the following at the drive-thru:
    • Notary services
    • Process bonds
    • Open, close, or add an account 

If you need assistance with any of these transactions, please contact us.

Would You Rather Skip the Drive-thru? There’s a Chance You Can!

To make a withdrawal or deposit, you can also visit an ATM. Find out where the closest ATM to you is here. 

If you do not remember your PIN for your CCU debit or ATM card or if your card is locked, you can reset your PIN by giving us a call. Need a debit card to use at an ATM? Call us and we’ll get one ordered for you right away.

Additionally, you can manage your money easily from the comfort of your home, such as depositing checks into your accounts, through digital banking. 

We're here for you now -- and in the future.

Corning Credit Union is one of the strongest and safest financial institutions in the country. Thanks to decades of sustained growth and profitability, we’re well-prepared for the uncertainties that may lie ahead. Your deposits are also federally insured by the National Credit Union Share Insurance Fund (NCUSIF), which is administered by the National Credit Union Administration. Learn more about how your accounts are federally insured to at least $250,000. If you need help, please contact us. We’re always here for you.



 

Message from our President and CEO - March 2020

Updated March 06, 2020 7:21 PM
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Dear Members:

We are pleased to report that 2019 was another year of significant growth and positive financial results. We increased both deposits and loans, and we are proud to share our Mortgage and Wealth Strategies teams assisted a record number of members. 

Our 370 team members now serve over 113,000 members all over the country. With 20 branches across our three geographic markets - the Southern Tier of NY, Greater Wilmington of NC, and Franklin County in PA – we look forward to continuing to grow together.

With your support, we are now one of the nation’s largest credit unions with almost $2 billion in assets under management. We are especially excited about our growth in North Carolina, and as a result opened a new regional office in 2019.

We are proud of our team’s accomplishments in 2019 and we remain committed to enhancing your overall banking experience in 2020 and beyond. Most importantly, we are deeply grateful for your trust in Corning Credit Union and for the opportunity to serve you

Thank you for your membership!

Sincerely,

Gary Grinnell
President & CEO


 


  • Live chat feature for real-time conversations with CCU representatives
    We’re excited to share that we’re working on a new live chat feature which will give you the ability to have a conversation real-time with a CCU representative within digital banking. We are expecting to launch this year!
  • A new widget to help manage your CCU cards within digital banking
    A new feature giving you the ability to control your card(s) within digital banking is in the works! This new feature will allow you to ‘freeze’ a card if it’s not actively being used or if it has been temporarily misplaced. You will also have the ability to order a replacement card if your card is lost or damaged.
  • Easily add new shares and loan accounts in the Quick Apply widget
    We’ve added more convenience to the Quick Apply widget in Digital Banking! In addition to being able to initiate a loan application through this widget, you are now able to add an All Purpose or Holiday Club account whenever and wherever is most convenient.
  • Borrow against the full value of your home for large expenses, home improvements, and home repairs
    We’re pleased to announce that members with limited equity in their homes may qualify for our 100% LTV Home Equity Advantage Line of Credit! Apply through the Quick Apply widget in Digital Banking, or contact us directly to get started today! Approval for financing subject to lending guidelines and credit qualifications.


Your Feedback Matters
As we continue to grow, our culture and exceptional service standards remain at the forefront of everything we do. Our “Voice of the Member” program generated 8,400 member surveys during the year with members giving us scores that place us in the top tier of credit unions we benchmark against. More importantly, we are listening to you and your feedback because it truly matters to us. If you receive a survey, please consider completing it. Our team reads every survey and we use each one as an opportunity to improve. As a result of the valuable input we received last year, we have implemented several service and process improvements. If you have not had the opportunity to share your feedback or would like to tell us more, we encourage you to let us know about your experience and how we’re doing.     


 

Why I Give to United Way by Andrea Troccia

Posted in
Updated December 17, 2019 6:19 PM
Why I Give

Corning Credit Union strives to make each one of the communities we serve better places to live through our volunteer and community support efforts. We are proud to partner with nonprofits, and actively encourage our teammates to volunteer when they can. 

Andrea Troccia, Supervisor, NC Branches, often takes the lead on the volunteer efforts in the Wilmington area and is very active with many nonprofits, but especially the United Way of the Cape Fear Area. She was recently featured in their “Why I Give” campaign. Her article appeared in the Dec. 8, 2019 edition of the Wilmington, NC Star News:

"A couple of years ago I met Craig Heim and the United Way team. Their passion for our community and desire to serve others was so inspiring that it made me want to get involved. I was invited to serve on a committee where I learned more about our community’s needs, and the nonprofits that work to meet those needs. Because of these experiences, I am committed to educating others by sharing their stories, both of heartache and triumph. Through the spirit of giving, we can celebrate these moments together. 

"I’m fortunate to work for an organization that is invested in our community and the United Way. This allows me the opportunity to give directly through my paycheck and by volunteering. Giving isn’t one size fits all, but there are so many options for giving your time, talent or treasure to those in need. 

"Why do I give? I give so that a child goes to bed with a full belly. I give so that people can get the help and resources they need. I give so that a child can participate in an after-school program and learn how to dance. I give so that a father can learn how to read a bedtime story to his child. I give out of gratitude so that others can experience the blessings I have. Please join me in giving to the United Way." 

Congratulations to Andrea for this honor!


 

CCU is growing with NC!

Posted in Tips
Updated December 03, 2019 4:25 PM
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As CCU has experienced significant growth over the years, we’ve built a strong presence in three diverse geographic markets. We are one of the strongest credit unions in the country, with more than 112,000 members worldwide. In the Cape Fear Region alone, our 5 branches serve more than 25,000 members and employ more than 60 people – all with the goal of providing you with free and low-cost products and services and world-class customer service. 

We’ve been serving the Wilmington area for more than 20 years, and just as Wilmington continues to grow, so does CCU. The newly-opened Regional Office off 17th Street Extension will house even more employees, including a planned call center and support departments to better serve our fastest-growing market. Through our volunteer efforts, our Wilmington-area team strives to make the Cape Fear Region a better place for all of us to live, work and play. We are dedicated to growing with our members in the community we love!

To each and every member, thank you. We love serving you and strive to provide you with expert advice, exceptional service, and a variety of innovative products and services that help make your life better. If you love CCU, please consider sharing your story with your friends, family, and co-workers so they can join our family and grow with us too! 

You Can Join!

 

Answers to Your Digital Banking Questions!

Updated December 04, 2019 7:39 PM
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We continue to receive great feedback and questions regarding our digital banking system from our members.

To help ensure you’re getting the most out of your digital banking experience, we are answering some of your most frequently asked questions. Also included are some digital banking enhancements that will be coming soon!
                                   


    


Where do I find my direct deposit information?

Your direct deposit information is located in the Information widget. This widget was not available when we first launched our new digital banking system, so you may have to add it to your widgets. First, navigate to your widgets and select the More… option. If the Information widget is not there, you will need to add it by selecting Widget Options. This can only be done on desktop. 

Once you select Widget Options, locate the Information widget and select Add.

After the widget is added, it will then appear in the More... options bar.

The Information widget currently houses your direct deposit information in the correct form needed to make electronic deposits. In the future, we may add additional features to this widget and will communicate more information as these additions become available.

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How do I enroll and access eStatements (electronic statements)?

When you enroll in eStatements, it means you are opting out of receiving paper statements for the account that you used to register for digital banking. While you will be able to see eStatements for your other accounts, you will still receive paper statements in the mail. If you would like to go completely paperless, please contact us to process this request.

To enroll in eStatements on a desktop computer

  1. Navigate to the eDocuments widget and click Subscribe in the Overview section.
  2. You will be presented with a Subscription Disclosure; review the disclosure and click I Agree.
  3. Verify you can access and view PDF documents by clicking Open PDF to view a code and then entering the code in the text box.
  4. When finished, click Subscribe to continue to complete the enrollment process.

To enroll in eStatements on your smartphone

  1. Log in to the CCU app.
  2. Tap on the eDocuments widget in the main menu, then on the Settings link in the corner of the screen.
  3. Tap on the Subscribe link in the corner of the screen.
  4. Check the I Agree box to accept the Subscription Disclosure; then, on the same screen, tap the Open PDF link.
  5. Copy the text displayed on the next screen, then click Done to close the PDF and paste the text in the box as directed. Click on Subscribe to complete the process.
  6. By checking your Subscription Settings, you'll see verification that you are now subscribed. 

To access your eStatements, simply navigate to the eDocuments widget. You will see tabs for all types of eStatements, even for eStatement types you do not receive. 

Please note, eStatement permissions depend on the statement type, which are shown below:  

  • Account eStatements can be viewed only by the prime member on the account.
  • Credit Card eStatements can be viewed by the prime member and any member that is a joint borrower on the credit card.
  • Fixed Rate Home Equity Loans can be viewed by the prime member and any member that is a joint borrower on the loan.
  • Mortgage eStatements can be viewed by the prime member and joint member on the account; however, for joint members, the eStatements will only be available for a mortgage if the loan is on the account the member used to register in digital banking.

If you are a prime member on multiple accounts, you will see eStatements for all accounts on which you are prime. If you have an account type not listed, contact us to talk through your unique situation.

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How do external transfers work?

External transfers are used to move money to other accounts or other lines of credit that you have at other financial institutions. 

To set up an external transfer to another account on a desktop computer: 

  1. Log in to your account.
  2. Locate the Classic tab of the Transfers widget and select Add an External Account.
  3. Agree to the ACH Transfer Policy, update the account type, choose how to you’d like to receive the verification code and enter the code within 15 minutes of receiving it.
  4. We will send two trial deposits of less than $1.00 each to verify you’re the owner of the external account.
  5. On the Dashboard, a confirmation will appear in the notification area once the deposits have been made. Click on Confirm to go to the Accounts tab of the Settings widget.
  6. Once you click on Confirm, it will prompt you to enter the transaction amounts sent to the external account.
  7. Once confirmed, the account will appear in the list of available transfer recipients within the Account menu. 

To set up an external transfer to another account outside of CCU on mobile:

  1. Log in to the CCU app.
  2. Click on the Transfers widget.
  3. Select Add Account, then select the External Account tab.
  4. Enter the recipient info.
  5. Choose how you’d like to verify your identity.
  6. We will send two trial deposits of less than $1.00 each to verify you’re the owner of the external account.
  7. Once the trial deposits have been made, head to the Settings widget from the Main Menu, then select Accounts to view the pending external account(s) displayed at the top of the screen. Click Confirm.
  8. To confirm the External Accounts, enter the transaction amounts to complete the process. 

External Transfers will arrive within three business days of the transfer request. Transfers submitted by 2 p.m. on a business day will be processed that day. Transfers submitted after 2 p.m., on a weekend, or on a holiday will be processed the next business day.
Want to learn more or see a step-by-step visual tutorial? Check out our Digital Banking Tutorials! 

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Stay Tuned for New Digital Banking Enhancements!

With our new digital banking system, you can expect faster updates to continually improve your experience. We’re excited to share some upcoming enhancements coming your way soon!

A New Widget to Help Manage Your CCU Cards
A new feature giving you the ability to control your card(s) within digital banking is in the works! This new feature will allow you to ‘freeze’ a card if it’s not actively being used or if it has been temporarily misplaced. You will also have the ability to order a replacement if your card is damaged and you need a new one.

Live Chat Within Digital Banking
We’re excited to share that we’re working on a new live chat feature which will give you the ability to have a conversation in real-time with a CCU representative within digital banking. We expect to launch in 2020.

Add Accounts at Your Convenience with Quick Apply
We’re adding more convenience to the Quick Apply widget! In addition to being able to initiate a loan application through this widget, you will now be able to add an All Purpose or Holiday Club account whenever and wherever is most convenient. 

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Stay Protected from Fraud

Posted in Security
Updated December 13, 2019 8:01 PM
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Helping our members keep their personal information safe will always be one of our top priorities. As a result, we share information frequently about scams and other relevant security issues. Recently, there has been an increase in text message/phone scams affecting CCU and other financial institutions across the country. We’ve highlighted the details below. 

What’s happening:
Using “spoofed” text messages and/or phone calls (a masked number made to look like a familiar or trustworthy number) that appear to be coming from a legitimate financial institution, fraudsters ask members about a fraudulent card purchase, then ask the member to confirm the 3-digit code on the back of their card. After the card information is verified, the member is asked to enter a series of numbers into his or her phone to confirm and process the dispute. This series of numbers actually forwards the member’s phone number directly to the fraudster so he or she begins receiving the member’s calls.

What you need to know:

 We would never call and ask you:
  •  For your personal information
  •  For your PIN
  •  For the 3-digit security code on the back of your credit or debit card
  •  To enter any numbers or other information into your phone


What to do:
If you receive a call or text from someone who says they are with CCU and asks for this information, hang up and call us at (800) 677-8506. If you ever feel that you may have been a victim of this or any other scam, call us so we can block your card.

Don’t fall victim to fraudsters! Help protect yourself and keep up-to-date on all the latest scams here.

 

Avoid “Free Trial” Traps

Posted in Tips
Updated November 09, 2018 8:00 PM
FREE TRIAL

How often do you find yourself browsing online and an advertisement for a free trial for some product or service pops up? Do you click on it? If you do, you’re not alone! Anything free can be enticing, especially when you’re on a budget. Free trials can certainly have their advantages, but it’s extremely important to pay attention to the details so you don’t get stuck with a bill and products you don’t want.

If you’re considering a free trial, just remember, they always have an end-date. In most cases, it is up to you, the subscriber, to cancel before the trial is over. By letting the subscription run out with no action, you may unknowingly be agreeing to continue the subscription and/or buy more products. How does that happen? The answer is probably written in the Terms and Conditions.

Unfortunately, most free trials come with strings attached. Businesses offering these trials often make it extremely difficult to cancel a subscription by hiding the Terms and Conditions of their offers or by setting conditions on returns and cancellations that are nearly impossible to complete. Some companies will also use pre-checked boxes as default settings when you sign up for their product or service. If you don’t uncheck those boxes, you may have given them permission to continue providing you with that product after the trial is over, but for the full price.

How can you avoid getting caught in a free trial trap?

  • Research the company – The best way to find out if something is legitimate is to see what other people are saying about it. Read the reviews on the company and on the trial offer; you’ll want to make sure you pay attention to any complaints.
  • Find and read the Terms and Conditions completely – Make sure you understand what’s in the fine print before you sign up so you can avoid any potential surprises. If you are having trouble locating the Terms and Conditions, or if you can’t understand them, it’s best to just not sign up.
  • Watch for pre-checked boxes – Look for any pre-selected boxes before you sign up. If those boxes are selected, it could be the permission they need to charge you for items after the trial is over.
  • Mark your calendars – Find out when the trial is over and mark your calendar with the date so you know when to take action before getting charged.
  • Know the cancellation and return policy before signing up – Find out if there are any fees associated with returning items or canceling.
  • Monitor your accounts – Keep an eye on your accounts to ensure you’re not being charged for something you didn’t order.

What do you do if you’ve been charged for something you didn’t order?

If this happens to you just follow these steps:

  • Don’t panic and pay – Take a minute to assess the situation and do your research on the company, what’s happened, and what your rights are in this situation.
  • Cancel the reoccurring order/contract – Though it may not have seemed like you agreed to reoccurring orders or that you signed a contract, providing your information likely gave them permission to continue to charge you for their product or service. Contact the company and officially cancel your order. If possible, try and get proof of the cancellation for your records and for your financial institution.
  • Record all communication – Be sure to keep track of all communication with the company so you have proof of your interactions moving forward.
  • Contact your financial institution – If there is no resolution with the company, contact your financial institution right away to dispute the charge. You may want to consider talking with them about blocking all further withdrawals from this company.

We hope this information will help you navigate these offers in the future. Though free trials often come with strings attached, they are not something you have to completely avoid, as long as you know what to look for. By following these tips you can help protect yourself from getting caught in free trial traps.

 

Watch Out for these Scams after Natural Disasters

Posted in Security, Tips
Updated June 11, 2019 7:20 PM
Common scams

After disasters, it’s important to keep an eye out for these common scams:

Home Repair Scams

A common home repair scam involves a person showing up at your property and offering to do repair work. The person will ask for funds up front, and once you have paid, he or she never returns. Never pay more than half the cost of repairs in advance and always ask for a detailed estimate in writing. 

Before hiring someone, check their references, insurance, and licenses. It’s also a good idea to ask your neighbors and friends who they have used locally to complete their repairs.

Other Scams

Scammers may also pose as utility workers, insurance adjusters, and FEMA officials. Always verify the identity of anyone who contacts you by calling the utility company, insurance company, or FEMA directly. Also beware of anyone who asks for your 9-digit FEMA registration number or banking information. Legitimate FEMA officials never ask for this information.

Donation Scams

We all want to help after a disaster, but it’s important to check out any charity you’re thinking of donating to ahead of time. You can use websites like Charity Navigator, Charity Watch, and Guidestar to make sure any non-profit is legitimate before making a donation.

Keep an eye out for unsolicited donation requests that may come to you by email or social media. Don’t click on links in emails or on Facebook or Twitter; they could be links to malicious websites.

When using a search to find charities, be careful with the search results. Carefully read the Internet addresses before you click. Scammers often create fake websites with web addresses that are very close to legitimate charity URLs. Look for slight misspellings, tweaks, or sound-alike names. Know that most legitimate non-profit organizations web addresses also typically end in .org.