Online Banking FAQ

What you need to know about online banking

Logging In
More About Online Banking
Bill Pay


Our Online Banking site, CFCUanywhere, offers many convenience features to help you save time!

You can easily access your accounts online 24/7 from home, work, or on vacation to check your account balance, transfer funds, update your personal information, apply for loans or send us a secure message.

Additional exciting features include eStatements, Bill Pay, the ability to open new subaccounts, set up e-Mail Notification, and more! If you haven't done so already, enroll today!


Q. What is my User ID?
A. This is a unique identifying number created when you self-enroll in Online Banking. You may change your User ID at any time. Simply log in to Online Banking and click on Your Preferences/Change User ID.

Q. What is my password?
A. You will select your own personal password during the enrollment process. This can be changed at any time within Online Banking by clicking on Your Preferences and entering your new password in the Change Password box.

Q. How can I view other CFCU accounts?
A. You may log in separately to another CFCU account or link it to your own log in. To link another CFCU account to your log in, click on the “Your Preferences” tab, then on “Multiple Accounts” and then on “Add Account.” You may set up access to additional accounts as long as you know the Login ID and password for those accounts. Once the accounts have been added, you will use the dropdown menu on the upper right hand side of the screen to switch between Login IDs.

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Q. Will I be required to change my password on a regular basis?
A. For security regulation purposes, you will be required to change your password every 365 days. You can also change your password at any time after logging in by clicking on the “Your Preferences” tab.

Q. How do I know the site is secure?
A. The system uses a powerful Online Banking Security called a Multi-Factor Authentication (MFA) to verify that your account is being accessed legitimately.

Q. Can I log in from multiple devices?
A. Yes, you may log in from multiple devices. The first time you log in to CFCUanywhere from a new device, you will be prompted to go through a few steps to confirm your identity.

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Q. Will Online Banking affect my monthly statements?
A. No. Online Banking will, however, allow you to have the option to choose our popular eStatements (electronic statements).

Q. What are eStatements?
A. EStatements are electronic copies of your monthly statements.

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

Q. How do I sign up for eStatements?
A. To sign up, log in to Online Banking, click on “Your Preferences” then on “eStatement Selection.” Select “Electronic” if you would like to receive eStatements in lieu of paper statements and follow the prompts to continue. You will receive an email notification when your most recent statement is ready to be viewed online.

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Q. Can I change my User ID?
A. Yes, you may change your User ID to what works for you once logged in under 'Your Preferences.' Your User ID must be between 8 and 19 characters, and contain letters and/or numbers.

Q. Can I transfer funds to another CFCU account?
A. Yes. Once logged in to Online Banking, click on the “Transfer Funds” tab, then select “Make a Transfer.” From there, click on “Another Account.” The following screen will give you the ability to transfer to another CFCU account. Transfers may be set up as a one-time transaction or scheduled on a recurring basis.

Q. When I use the Another Account Transfer feature, it asked me for the suffix #. Where can I find the suffix # on my account?
A. You can find the suffix # on your accounts by going to the Access Accounts tab and selecting Account Summary. If making a transfer, enter the numbers of the suffix in the appropriate box in the transfer screen.

Q. Can I transfer funds to/from an account at another financial institution?
A. Yes. You will click on Bill Pay, then Transfer Money. A processing fee is assessed for sending funds to other institutions.

Q. Can I directly pay another person?
A. 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. With a routing and account number, funds will be directly deposited into the account.

Q. How do I update my contact information through CFCUanywhere?
A. After you log in to CFCUanywhere, click on “Your Preferences” and the contact information page immediately comes up. Type in your changes and click on Update. Address changes will take effect immediately. This screen also offers the option to change your CFCUanywhere password, email address, and PIN for MAXX (our automated telephone system.)

Q. I have multiple accounts that I would like to be able to easily differentiate. Is there a way to nickname them?
A. Yes. You may nickname your accounts by clicking on the Account Nicknames link located under every tab in the Your Preferences section. Note that the nicknames will be printed on your monthly statements.

Q. How do I send secure messages?
A. Once you have logged in, click on the Contact (envelope) icon in the upper right-hand corner of the screen.

Q. What can I do through CFCUanywhere?
A. In addition to viewing your account balance and transaction history, you can also transfer funds between your accounts, place a stop payment, and update your personal information. Additional convenience features include the ability to open savings sub accounts and certificates of deposit, pay bills, apply for loans, set up automatic transfers, and sign up for email notifications.

Q. What if I have problems accessing my account online?
A. 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 are not encrypted and should not include sensitive information, such as your account number.)

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Q. How can I pay my bills online?
A. You must have a checking account to use Bill Pay. Log in to your account, click on the “Bill Payment” tab, and then on “Enrollment Options.” Select the suffix you would like to enroll, click on “Enroll” and then on “I agree” to acknowledge reading the legal disclosure. Click on “Finish” to complete the enrollment process. Once you have finished that section, you can then click on the small “Pay Bills” tab to begin. The new Bill Pay site will open in a new window. You will need to enable pop ups for this site.

Q. Is there a charge for Bill Pay?
A. 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.

Q. What are some of the benefits of using Bill Pay?
A. 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.

Q. Where can I get more information about using bill pay?
A.View the Bill Pay demo here.

Q. When I try to login to Bill Pay it says another browser window is opening, but nothing happens. What should I do?
A. Turn off the pop up blocker in your browser.

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Q. What is eDeposit? 
A. eDeposit is a service that allows an eligible CFCUanywhere member to enter online the details of a paper check and receive instant credit prior to CFCU actually processing the item. Checks deposited by eDeposit must be mailed or brought to CFCU within 10 calendar days.

Q. What are the benefits of this service? 
A. This service can be accessed 24/7 and allows immediate access to the funds deposited.

Q. Do I need any special software? 
A. No. As long as you have internet access from your device, you may submit the transaction. 

Q. Is there a fee? 
A. There is no fee to enroll in this service or utilize it as instructed. Fees may apply for misuse of the service.

Q. What types of checks may I deposit? 
A. You may deposit personal, business or U.S. Treasury checks, traveler’s checks, or money orders.

Q. Are there any items I cannot deposit? 
A. You may not use eDeposit to deposit checks drawn on non-U.S. institutions, checks that are altered, inconsistent, incomplete or stale-dated, savings bonds, or non-negotiable items.

Q. Where can I get the eDeposit envelopes? 
A. You may request eDeposit envelopes via Secure Messaging, an email to, a phone call to 607-2578500, or a visit to any CFCU branch.

Q. Am I required to use the special envelopes? 
A. No. You are not required to use them; however, if you use your own envelopes, please make sure to address them to CFCU Community Credit Union, 1030 Craft Rd., Ithaca, NY 14850, and include the tracking number on the envelope.

Q. Do I have to include a deposit slip with my eDeposit item?
A. No. Please remember to endorse the back of the check, and include your account number and eDeposit tracking ID number.

Q. Can I deliver my eDeposit item to a branch? 
A. eDeposited items should be mailed to us; however, as a member courtesy, these items may be accepted at a branch.  Please make sure you submit them at the front desk and indicate that it is an eDeposit item. The tracking ID number should be noted on the check.

Q. What if my eDeposit is not received in time?
A. eDeposits that are not received within the 10 calendar days will be canceled, debited from your account, and assessed a $15 fee. This could result in a negative balance in your account. More than two of these occurrences may cause termination of access to the eDeposit privilege.

Q. How often may I submit eDeposits?
A. You may submit eDeposits as often as you’d like; however, please note that there is a $,1000 aggregate limit.

Q. What if I have a question that’s not answered here? 
A. You may send us a Secure Message, email us at, telephone us at 607-257-8500, or stop in to your local branch.

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