Convenience Services

At CFCU Community Credit Union, we want to make your transactions as easy and convenient as we can. We offer a wide variety of financial products to help you get the service and information you need quickly and efficiently.

Automatic Transfer
Automatic transfer is another great way to save. Even a small amount put aside each payday can help you save for vacations, holidays, college, purchases or other expenses. You can also use automatic transfer to make loan payments. A Transfer Authorization Card may be completed at any branch office. To save time, you can print out the form by clicking on this Transfer Authorization Card link. Then bring in the completed form to any CFCU location. Our staff will be happy to assist you in any way possible.

CFCU@home
Complete account access via the Internet…It's fast and easy!

With CFCU@home, you can perform home banking tasks, pay bills and communicate with the Credit Union from the comfort and convenience of your own personal computer. The service is fast, easy to use and provides secure access to your CFCU account(s) 24 hours a day, seven days a week. Use CFCU@home for:

Comprehensive Internet Banking
FREE for CFCU members
Review account balances and history, transfer funds, check and change scheduled transfers and review transfer history. Check current balances, rate information, next payment date, loan amounts and other useful information.

Paying Bills
$3.95 per month
Instead of the drudgery of writing and mailing checks, CFCU@home can handle payments to merchants automatically. The service provides a confirmation number and tracks payment history. Members tell us the time saving alone is well worth the monthly fee. And when you consider the increasing cost of postage, Paying bills online becomes a great alternative!

Electronic Messaging
FREE for CFCU members
This function lets you communicate directly with CFCU customer service. You can e-mail us any time to ask questions, discuss problems or make specific requests.

PAL(Phone Access Line)
607-257-8113 or 1-800-782-9413
CFCU's Phone Access Line (PAL) lets you check the balance of your share, share draft or loan accounts; obtain a transaction history; determine if a specific check has cleared; request a savings withdrawal check; transfer funds and more...day or night...on holidays...over the weekend...seven days a week. With PAL, you interact directly with the CFCU computer. All you need is a touch-tone telephone, your Credit Union account number, and special confidential access code. PAL is free to CFCU members. There are no per transaction or access fees and there is even a toll-free number for members who live outside the Ithaca area. If you need assistance with the PAL service, check out our handy online PAL brochure. This brochure is a .pdf file and requires Adobe Acrobat to open. You can download Adobe Acrobat from http://www.adobe.com.

Loan Phone (607-257-8328 or 1-800-LOAN-792)
Loan Phone is the fast and easy way to apply for your next loan. Call from any phone, anywhere for virtually any loan — 24 hours a day. You'll hear a message asking for your name, account number, type of loan you're requesting and phone number. Within two business hours, a Credit Union loan officer will return your call and process your application over the phone. In many cases, you'll have an answer and, if approved, your money all in the same day. Since CFCU members live all over the country, we've added a special toll-free number for use outside the Ithaca area: 1-800-LOAN-792. Locally, please call 607-257-8328. Also, check out our current Loan Rates.

Wire Transfers
CFCU is a member of the Federal Reserve System and can send and accept wire transfers. The outgoing fee is $15 for each domestic transfer and $40 for international transfers. There is a $5 fee for any incoming wire transfer.

Night Depository
For your convenience, there are night depositories at CFCU's East Hill, Meadow Street, Triphammer, Cortland and Craft Road offices. You may make loan payments, deposits to Share or Share Draft Accounts, Club Accounts, or family member accounts. (Please do not deposit cash using this method. Checks or money orders only.)

ATMs
Your Share Draft Account also entitles you to a free CFCU CheckCard for use at any of our convenient locations throughout the area, or at any NYCE/CIRRUS location worldwide. There is no charge for your initial card. However, if you lose it, there is a replacement charge of $5 per card. There is no per transaction charge or yearly fee for our CFCU proprietary ATM service. When accessing any non-CFCU NYCE or CIRRUS ATM with your card, there is a $1 per transaction fee.

Note: Some international ATMs will only allow you to make withdrawals from your primary savings (Sub 1). Prior to a trip, consider distributing your funds accordingly.

About the CheckCard service fee
A minimal fee of $1 per month is charged to your Share Draft Account for purchases made through the MasterCard network the previous month.

Note: The fee will apply only when you use your CheckCard to make purchases at MasterCard locations. ATM transactions at all CFCU locations will still be free of charge.

Members can apply for Share Draft and other services by completing and mailing our Request for Additional Products and Services.

That means, it will cost you just $1 per month to take full advantage of all the speed and convenience of a CFCU debit card whether you use it once or 100 times in the course of a month. As a Credit Union member, you know that one of our most important goals is to offer you the best value on the latest products and services. As a result, most of our services carry no extra fees or charges, such as our Share Draft Account. And if a fee is necessary, you can count on CFCU to keep it as low as possible.

CFCU ATM machines are located at:

TOMPKINS COUNTY Campus Locations Cornell University, Ithaca    Kennedy Hall*†    Schurman Hall†    Statler Hotel*    The Cornell Store*† Ithaca College    Campus Center*† TC3, Dryden Dryden Area Dryden Food Mart, 33 North Street† Ithaca Area Collegetown Bagels, 415 College Avenue East Hill Branch, 1022 Ellis Hollow Road    drive-thru*† Jason’s Grocery & Deli, 301 College Avenue Mayers Smoke Shop, 318 East State Street† Meadow Street Branch, 409 N. Meadow Street    drive-thru*† & walk-up* P & C Foods    212 Hancock Street    East Hill Plaza    N. Triphammer Road (Cayuga Mall) Pete’s Grocery Store, 805 West Buffalo Street† Pyramid Mall, Old Navy Entrance Triphammer Branch, 99 Sheraton Drive    drive-thru*†

Lansing Area PITSTOP, 2080 East Shore Drive† Newfield Area Covered Bridge Market, 176 Main Street Trumansburg Area ShurSave, 2085 Route 96† CORTLAND COUNTY Market Place Mall, 64 Main Street† Natoli's Route 11 Market, 220 S. Main Street, Homer Port Watson Street Branch, 182 Port Watson Street    drive-thru* Rte. 281 Branch (Tops Plaza), 3910 Route 281    drive-thru*† Williams IGA, 7 South Main Street, Homer† * Accessible 24 hours a day † Accepts deposits

CFCU CheckCards can be used at any NYCE ATM machine. If you are looking for an ATM near you, try the NYCE ATM Locator. It can help you search for an ATM by financial institution or by city and state.