Digital Banking

Online Banking made for youA secure, easy to access, simple to use, yet powerful platform. It's so great we've run out of adjectives!

Not all Digital Banking platforms were built equally! Here is a quick rundown of the features and functionality we have within the full platform: Mobile Apps,  Text Banking, Alerts, Bank to Bank Transfers, Bill Pay, PopMoney, CFCU's Spending Tool, and more. Plus, it can do everything else your 'run-of-the-mill' Digital Banking system can do.

Explore our entire Digital Section to learn about all that was mentioned above!

Features

What do you get with CFCU Digtial Banking? Freedom.

  • Mobile Apps - iOS and Android Platforms with Bill Pay and Mobile Deposit.

  • Text Banking - Lightning quick banking!

  • Account Alerts - Stay on top of your accounts.

  • Bank-to-Bank Transfers - Transfer money with an account at another financial institution.

  • Bill Pay  - The easiest way to pay bills. Period.

  • PopMoney  - Pay anyone with just their email or phone number! It's like magic, with no cost to them or you!

  • CFCU's Spending Tool - Automatically track your spending and budget across CFCU accounts and other financial institutions!

  • Secure Messaging - Making banking simple.

  • Digital Account Opening (ex: Certificates) - Open Certificates, Sub-shares, etc with ease.

  • eStatements - Save a tree, avoid fraud, why not?

  • Stop Payments - 24/7 stop payment feature.

  • Transfers & Loan Payments - Easy management of your money.

  • Pre-populated Loan Applications - Everything is easier in Digtial Banking!

  • Address Changes - Instant changes to your accounts.

  • eDocuments - Easy access to your documents, 24/7.

  • Foreign Currency Ordering - Traveling? Have their currency on hand and avoid fees!

  • and more!

Security

The security of your personal data is our top priorityDigtial Banking features three levels of security. At the user level, the system requires an SSL-compliant browser to ensure information is authentic, cannot be deciphered and has not been altered en route. Once a secure connection has been established, a valid log-in ID and password are needed to gain access to services. Remember, it's important to protect your log-in ID and password from others.

Server level security features a sophisticated filtering system which blocks non-secured activity and defends against inappropriate access. At the host level, transactions are sent via secure dedicated communications lines from the home banking server to transaction server which verifies member identity. Once authenticated, the member is allowed to process authorized Internet banking and bill payment transactions using host data.

The security of Digtial Banking rivals that of some of the most secure government facilities.

Note: Because Digtital Banking service must identify particular individuals and account numbers in order to complete transactions, members who use this service will receive cookies on their computers. Cookies are small pieces of information sent by a web server to store on a web browser so they can later be read back from that browser. Cookies are a way for Digital Banking to organize and keep track of your information as you proceed from one transaction to the next. Otherwise, your browser would be forced to ask for your log-in ID and password for each transaction you perform. We do not gather, use, sell, or exchange any information contained in cookies that are created by using Digital Banking.

Mobile Apps

Each mobile app comes loaded with the ability to transfer funds & view balances, pay bills, deposit checks, send money to anyone, find our branches & ATMs, and pay your CFCU loans.

Simply put, you have a CFCU branch with you where ever you go!

We support iOS, Android, and Amazon platform apps. Simply download the app, enter your regular Digital Banking UserID and password, and you'll be up and running!

Download by tapping below!

CFCU Community Credit Union - Click here for our Apple App 

UPDATE! iOS App is confirmed up and running! If you have the old app on your phone, make sure to go into the App Store and click “Update” on the new CFCU app.

If you are a first time user, after you download the app you'll be sent a confirmation code, which you must use to enroll. The code can either be sent by text message or email. You'll enter in the code and then prompted to sign on.

CFCU Community Credit Union - Click here for our Google Play App

eStatements

eStatements instead of paperTrees are pretty important for all of us... save some by reading your statement online!

  • Simple to sign up.

  • Easy to retrieve.

  • More secure delivery than paper.

Log in to Digital Banking, click "Accounts" and "eStatements" then follow the directions. It's that easy!

If you decide you don't like it, just give us a ring or stop by. We'll switch you back to your preferred method of delivery.

Alerts

Be proactive with your financial management and utilize Alerts on your accounts.

  • Account Alerts

  • Scheduled Alerts

  • Event Based Alerts

  • Actionable Alerts

Email and text alerts, set up with Mobile Banking. Use them today!

FAQ

  • How do I login for the first time using your new Digital Banking?

    It's simple! Head to our Digital Banking login on our home page and enter your current User ID and password. You will then be prompted to complete our new validation process. 

    Click here for a step by step guide

  • How do I sign up for Digital Banking?

    Head to our Digital Banking login on our home page and select "Register". Within minutes you will be registered and able to utilize all of the features offered within our Digital Banking! 

    Click here for a step by step guide

  • Digital Banking: Coming Soon
  • Digital Banking Videos
  • What is my User ID and can I change it?

    This is a unique identifier created when you self-enroll in Digital Banking. You may change your User ID at any time. 

    How to Change Your User ID: 

    1. Login to Digital Banking. 
    2. Select "Profile", "Profile Updates", and then "Change User ID".
    3. Create a new User ID and select "Update". 

    If you forget your User ID:

    Click here for a step by step guide

  • I have multiple accounts that I would like to be able to easily differentiate. Is there a way to nickname them?

    Yes. You may nickname your accounts by clicking on the account and on the left hand side of the screen under Account Nickname, select "Change". Enter the nickname and select "Save". Note that the nicknames will be printed on your monthly statements.

  • Can I transfer funds to another CFCU account?

    Yes. You will first need to configure an Unlinked Account, this will be saved on your profile for future transfers. However, you do have the option to remove these at any time.

    Configuring an Unlinked Account:

    1. Login to Digital Banking and click on "Transfers". 
    2. Complete the requested fields displayed on the screen, Account Type, Account Number, and the Account Nickname (this will only show on your profile). 
    3. Select "Continue".

    Making the Transfer: 

    1. Once the Unlinked Account is added to your profile, select "Schedule a Transfer".
    2. Complete the requested fields on the screen, From Account, To Account, Amount, Scheduling Option, and a Description (this is optional and the receiving party will see this description).
    3. Select "Submit".

    Transfers may be set up as a one-time transaction or scheduled on a recurring basis.

  • Can I transfer funds to/from an account at another financial institution?

    Yes. You will click on Bill Pay, then Transfer Money. A processing fee is assessed for sending funds to other institutions.

  • How do I send secure messages?

    Once you have logged in, click on the envelope icon in the upper right-hand corner of the screen. It will take you to your Messaging Center, then select "Compose New Message". 

  • Digital Banking is down, or I'm having trouble getting in. What do I do?

    Our Call Center is available Monday through Friday from 8:30am until 5:00pm at 607-257-8500 or toll-free at 1-800-428-8340. Assistance is also available at our branches during branch hours. You may also send us an email, and we will respond to your inquiry within one business day.

    (Please note that emails sent directly to contact.us@mycfcu.com are not encrypted and should not include sensitive information, such as your account number.)

  • Is there a charge for Bill Pay?

    Bill Pay is free of charge for CFCU members who are using the service to pay bills. Fees may apply for the use of additional features of Bill Pay, such as expedited payments and Transfer Money.

  • How can I pay my bills online?

    You must have a checking account to use Bill Pay. Log in to your account, click on the “Payments” tab, and then click on “Sign up For Bill Pay.” You will be prompted to accept legal agreements. At this point you are enrolled and can begin utilzing this service.

  • Why should I use Bill Pay? What are the benefits?

    Bill Pay offers the convenience of having all your bills paid from one location, and being able to see at a glance what has been paid. Bill payments may be future dated for peace of mind. Certain companies also offer the convenience of e-bills for you to access through Bill Pay—no more clutter from paper bills! Having the security of online banking surrounding Bill Pay, no one will have access to your Bill Pay history except you. Bill Pay saves both time and money—no more running to the post office or paying for stamps. You may use this service to pay anyone in the United States that you might normally write a check to, such as your credit card company, your electric company, or even your newspaper carrier.

  • What is Bill Pay?

    Bill Pay lets you pay your bills online through CFCU Community Credit Union. You can pay anyone in the United States that you would normally pay by check or automatic debit, even if you do not receive bills from the company or person you want to pay.

    Quick Facts about Bill Pay

    • You can pay all of your bills at the Payment Center. You can also see a summary of your recent and pending payments.

    • You can receive some of your bills online in Bill Pay. You can view and pay these bills at the Payment Center.

    • You can set up automatic payments to pay your electronic bills or to automatically schedule payments of a set amount at regular intervals.

    • You can review your bills and payments for the past 24 months.

    • You can transfer money and move payments from one account to another.

  • How does Bill Pay work?

    To pay your bills online, simply add the companies and people you want to pay. We use this information to make the payments for your bills.

    After you add your bills, you can go to the Payment Center. The Pay Bills section lists all of the bills you've added in Bill Pay. To pay a bill, enter a payment amount and the date when you want the company or person to receive your payment. You can also select this date from the calendar.

    Tip: When you enter an amount, Bill Pay automatically displays the earliest date the biller will receive the payment without incurring expedited payment fees. You can accept this date or change it.

    You can pay as many bills as you want at the same time from the Payment Center.

    After you pay a bill, it may move to either the Pending Payments section or the Recent Payments section of the Payment Center.

    • The Pending Payments section provides a quick summary of the payments that have not been processed yet.

    • The Recent Payments section provides a list of the bills that have been paid in the past 45 days.

    You can also find a list of the pending and recent payments for a particular biller in the Payment Assistant.

    If you can't find a payment in the Recent Payments section, go to Bill History, which shows all of the bills you paid in the past 24 months, including electronic bills and the bills that you pay automatically.

  • How secure is Bill Pay?

    Bill Pay uses several methods to ensure that your information is secure.

    Bill Pay uses SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection.

    Bill Pay uses 128-bit encryption to make your information unreadable as it passes over the Internet. Automatic Sign Out Bill Pay automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). It is best if you sign out immediately after you finish your tasks in Bill Pay.

  • Can I directly pay another person in Digital Banking?

    Yes, within Bill Pay, you may use the Popmoney service to send money to anyone within the United States. You simply need the person’s name and either email address or cell phone number! This is free to send and free for them to receive!

  • How does Popmoney work?

    Sending Money

    To send money, log in to your digital banking account and click on the Payments tab. Navigate to Popmoney.

    Send money to anyone using their email address, phone number, or account information.

    You will be notified when the transaction is completed.

    Receiving Money

    When someone sends money to you, you will receive an email or text message.

    If you are a CFCU Member you can log in to your account and direct the funds there.

    If you do not provide your account information, the payment will be automatically returned to the sender's account.

    Money sent directly to an account will be automatically deposited. No action is required by the recipient.

  • What can I use Popmoney for?

    Popmoney is easy and convenient for you and the people you send money to. They can simply receive the money into their bank account digitally.

    The following are just a few of the convenient ways that you can use Popmoney:

    • Send money to your child at college

    • Send a gift to family and friends

    • Reimburse friends for that fun outing

    • Pay your babysitter or your lawn care service

    • Pay rent to your landlord or roommates

  • When using Popmoney, will my account information be shared with the recipient?

    No, your account information will not be shared with the recipient. The recipient will only see your first name, last name, and the message you wrote for the payment. When you send a payment to an email address, the recipient will also see your email address. Similarly, you will not be able to see the recipient's account information.

  • What is Popmoney?

    Popmoney is an innovative personal payment service offered by CFCU that eliminates the hassles of checks and cash. Now, sending and receiving money is as easy as emailing and texting! And you don't need a new account to send or receive money. Just use your current CFCU Checking Account.

    The person you are sending money to does not need to even be a CFCU member!

    It is free to send, and free for the recipient to get the money.

  • How do I edit a budget in CFCU's Spending Tool?
    1. Click on "Budget" from the "Spending" link at the top right of the page.
    2. Complete the requested fileds on screen. 
    3. Select "Update".
  • How are budgets used in CFCU's Spending Tool?

    Budgets are used to track variable expenses. Budgets always run from the first to the last day of each month. The Overview page will show your budgeted income and expenses and automatically color-coded based on your spending progress.

  • How do you change a category in CFCU's Spending Tool?
    1. Click on the grouping of transactions that you wish to make updates within. 
    2. Next to the transaction that needs to be updated, select the updated category within the dropdown menu. 
    3. Optional: Check the box that appears to apply this category to all matching transactions.
    4. Click "Done".
  • How do you add an account in CFCU's Spending Tool?

    Click "Add External Accounts" from the overview page and follow the prompts. All you need are the online credentials for that account. From there it will populate and categorize, making it simple for you to view your entire financial life!

  • Why should I use CFCU's Spending Tool?

    CFCU's Spending Tool provides you the ability to successfully manage and track your finances. You can create a budget, monitor expenses, and set goals. We'll also allow you to track your upcoming bills and incomes, and enable you to view all your accounts in one convenient location. CFCU's Spending Tool can help you in tangible ways to improve your overall financial health.

  • How do I find my financial institution in CFCU's Spending Tool?

    We support more than 13,000 financial institutions of all sizes. If you're having trouble finding yours, try these search tips:

    1. Input your financial institution's official FULL name.
    2. Then try searching with the fewest amount of words possible.
    • For example: Try typing one word at a time if your institution has a long name. If your financial institution has an abbreviation, (i.e. SECU) try searching under those terms as well.
    • If your financial institution has a city name or other unique word in it, try searching only by that term (i.e. ‘Springfield’ or ‘River’).

  • Can I export my budget report from CFCU's Spending Tool?

    You can export your budget report into a 'XML' file, or you have the option to print.

    1. Open the budget tab under the Spending link in the top right corner. 
    2. Click "Print" or "Export".
    3. If you select to export, an XML file will be saved to your computer's download folder.
  • How can I make deposits?

    Contact us for any depositing needs you have!

  • How much do checks cost?

    The price varies depending on which style you order. Premiere Checking members get $10 off their order.

    Bill Pay checks are free. Learn more about Bill Pay!

  • Can I see my Checking and Savings Accounts Online?

    Yes! Our Digital Banking is an excellent option for members who want to stay on top of their balances. Additionally, we have Text Banking all free for you!

    For each of these, you'll need to be enrolled in Digital Banking.

  • Can I use my accounts overseas? (particularly checking and the debit card) Are there fees to do so?

    Yes you can use your accounts overseas. Please contact CFCU ahead of time to let us know when and where you will be traveling. There is a 1% currency conversion fee.

    Note: Certain Countries have restrictions. Contact us for more information.

  • What is my password?

    You will select your own personal password during the enrollment process. This can be changed at any time within Digtal Banking by selecting "Profile", "Profile updates", and then "Change Password".

    If you forget your password or need it reset, you can utilize our new "Forgot Password" feature located under the login box.

    Click here for a step by step guide. 

  • Will I be required to change my password on a regular basis?

    For security regulation purposes, you will be required to change your password every 180 days. Your password can be changed at any time within Digtal Banking by selecting "Profile", "Profile updates", and then "Change Password".

    If you forget your password or need it reset, you can utilize our new "Forgot Password" feature located under the login box.

    Click here for a step by step guide. 

  • How do I know the site is secure?

    The system uses a powerful Online Banking Security called a Multi-Factor Authentication (MFA) to verify that your account is being accessed legitimately.

  • Can I log in from multiple devices?

    Yes, you may log in from multiple devices. 

  • Will Digital Banking affect my monthly statements?

    No. Digital Banking will, however, allow you to have the option to choose our popular eStatements (electronic statements).

  • What are eStatements?

    EStatements are electronic copies of your monthly statements.

  • What are the benefits of eStatements?

    It is faster and more securely delivered compared to paper statements, more convenient to access with a greater history, and is better for the environment. eStatements are offered free of charge to all members.

  • How do I sign up for eStatements?

    If you would like to receive eStatements in lieu of paper statements, login to Digital Banking, select "Accounts" and then "eStatements". Follow the prompts. You will receive an email notification when your most recent statement is ready to be viewed online.