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Digital Banking How To's

Adding External Accounts

CCF’s Online and Mobile Banking services allow you to add accounts from other credit unions and banks so you can transfer funds to and from other financial institutions. To add a checking or savings account from another credit union or bank, follow these steps below

In Online Banking:

  1. Log in to Online Banking
  2. In the top right corner, click on your name to drop down the menu
  3. Click “Settings” from the menu
  4. Under Accounts, select “Add Account”
  5. Click the 3rd option – “Set Up External Transfer Account”
  6. For security purposes, Enter/Confirm your password to continue
  7. Name your account Ex: Bank Name Savings
  8. Enter the routing number and account number of the other credit union or bank
  9. Select the account type – Checking or Savings
  10. Click “Submit”
  11. A message will appear: We've sent two small amounts to verify your Savings account. When they arrive in 1-3 business days, you'll need to confirm the amounts.
  12. Monitor your account for the 2 small deposits from Cornerstone. Once they arrive, visit “How to enter the 2 confirmation deposits” to complete the connection.

In the CCF Mobile Banking App: 

  1. Log in to Mobile Banking
  2. In the top left corner, click the 3 lines to drop the menu down
  3. Click “Settings” at the very bottom of the menu
  4. Under Accounts, select “Add Account”
  5. Click the 3rd option – “Make External Transfers”
  6. For security purposes, Enter/Confirm your password to continue
  7. Name your account Ex: Bank Name Savings
  8. Enter the routing number and account number of the other credit union or bank
  9. Select the account type – Checking or Savings
  10. Click “Submit”
  11. A message will appear: We've sent two small amounts to verify your Savings account. When they arrive in 1-3 business days, you'll need to confirm the amounts.
  12. Monitor your account for the 2 small deposits from Cornerstone. Once they arrive, visit “How to enter the 2 confirmation deposits” to complete the connection.

Verification Deposits

Once you connect another financial institution to your CCF Mobile or Online Banking, CCF sends two small deposits to that account to verify the connection. Once those deposits appear, follow these steps below.

Online Banking:

  1. Log in to Online Banking
  2. In the top right corner, click on your name to drop down the menu
  3. Click “Settings”
  4. Click “External Transfers”
  5. Enter the deposit amounts in the boxes and click “Confirm”

In the CCF Mobile Banking App:

  1. Log in to Mobile Banking
  2. In the top left corner, click the 3 lines to drop the menu down
  3. Click “Settings” at the very bottom of the menu
  4. Click “External Transfers”
  5. Select the name of the external credit union/bank
  6. Enter the deposit amounts in the boxes and click “Confirm”

Creating your CCF

digital banking account

You can monitor your accounts, pay your bills, and talk with a Cornerstone team member all without stepping foot into a branch.

Create an Online/Mobile Banking account. 

  1. If you’re using a smartphone or tablet, download the CCF mobile app through your app store by searching “CCF Mobile Banking”.                      If you’re on a laptop or desktop computer, go to www.CCFinancial.com and click “Log In” in the upper right hand corner of the page.
  2. On the welcome screen, select “First time user? Enroll Now.” and enter the SSN associated with your new CCF account. (Business account? Enter your EIN.)
  3. Enter your CCF account number, email address, and phone number. This information must match the information given at the time of account opening. If you need assistance retrieving  this information give us a call at 800-777-6728.
  4. CCF uses 2-step verification as an added security measure. When the “Protect your account with 2-step verification” screen appears, select “Get started” and complete the verification.                                                                                  
  5. Create a username and password. You can view the username and password rules by selecting “Show Rules”.
  6. Click “Done”, then review and agree to the Terms and Conditions.
  7. If you set up your account on a desktop computer you will be taken back to the main dashboard. If you set up your account on your mobile phone or tablet, you will need to create a 4 digit passcode and then enable faceID or fingerID (if you wish to do so), depending on your mobile device.
  8. You're all set! Look around and get familiar with your new CCF digital banking dashboard.

Enroll in e-statements.

For your security, eStatements must be activated by you, the member. This helps keep your financial information safe and in the right hands. 

Log into your online or mobile banking account and on your personal dashboard, select “Documents” from the blue icons. It’s the last icon on the right (swipe left on the mobile app for the icon to appear).


  1. Review and accept the terms and conditions. If the terms and conditions are not accepted, you will continue to receive paper statements and the monthly $2.00 paper statement fee.
  2. Check the “Enroll all accounts” box and click the blue “Enroll” button.

That’s it! You’re enrolled in eStatements! Click the “Documents” icon at any time to access current or past eStatements for any CCF account. These will update monthly.

Note: If you select both “Enroll all accounts” and “Continue to review mailed documents” you will receive both eStatements and a paper statement. There is a monthly $2.00 charge for paper statements.


Card Controls

A misplaced debit or credit card can be nerve-racking. You can turn your cards off at any time through Online or Mobile Banking. If you find the card, you can always turn it back on, or if it remains lost, contact the credit union to have it reissued and the other card permanently deactivated. To turn a debit or credit card off or on, follow these steps below.

Online Banking:

  1. Log in to Online Banking
  2. Scroll down to Card Management box, or on the right side of the screen if you are in a certain account
  3. Click the card you want to turn off/on
  4. If the tab is green, that means it is on. To turn it off, click the green tab.
  5. A screen will pop up asking if you are sure. Select “Lock Card”
  6. The tab will now be gray and the account will say “Locked”
  7. To turn it back on, follow the same steps, clicking the gray tab so it turns green and says “Active”

In the CCF Mobile Banking App:

  1. Log in to Mobile Banking
  2. Scroll to the Card Management box
  3. Turn the selected card off/on

Dashboard Customization

See what is most important to you first with CCF’s easily customizable dashboards. To change the organization of your dashboards, follow these steps below.

Online Banking:

  1. Scroll to the bottom of your screen and click the “Organize Dashboard” button
  2. Drag and drop the boxes to reorder them into your desired configuration.
  3. Click the gray X in the corner to remove a box from your dashboard. Don’t worry, you can always add it back later if needed by clicking “Add a Card” at the bottom of the page.
  4. When finished, click “Done” in the upper right corner.

In the CCF Mobile Banking App:

  1. Scroll to the bottom of the screen and click the “Organize Dashboard” button
  2. Drag and drop the boxes to reorder them into your desired configuration.
  3. Click the gray X in the corner to remove a box from your dashboard. Don’t worry, you can always add it back later if needed by clicking “Add more” at the bottom of the page.
  4. When finished, click “Done” in the upper left corner.

Skip-A-Pay

Did you know that you may be eligible to skip a loan payment two times during the duration of your loan? Whether it’s during the summer to free up some vacation funds or during the holidays to buy some epic gifts, skip-a-pay is just a click away. 

This member benefit is available at the discretion of the credit union based on account and member standing. Other qualifications and restrictions may apply. To skip your payment, follow these steps:

Online Banking:

  1. Log in to Online Banking
  2. On the left side of the screen, select "Skip Payment"
  3. If the loan is eligible, you will be able to select what loan payment you would like to skip. Click “Next”
  4. Select the account you would like the skip-a-pay fee to be withdrawn from
  5. The terms and conditions are listed on the next screen. Click “Agree” to continue.
  6. The next screen will recap the choices and click “Done” to go back to Online Banking.

In the CCF Mobile Banking App:

  1. Log in to Mobile Banking
  2. In the top left corner, click the 3 lines to drop the menu down
  3. Select “Skip Payment”
  4. If the loan is eligible, you will be able to select what loan payment you would like to skip. Click “Next”
  5. Select the account you would like the skip-a-pay fee to be withdrawn from
  6. The terms and conditions are listed on the next screen. Click “Agree” to continue.
  7. The next screen will recap the choices and click “Done” to go back to Online Banking.

Stop a Payment

Online Banking:
  1. Log in to Online Banking
  2. Click on your checking account.
  3. Click on stop payments.
  4. A list of recent of stop payments will be listed. Click on either option:
    • Top left, click the + symbol
    • At the bottom, click + Add another stop payment
  5. Select either stop a single check or a range of checks.
  6. Fill out requested information and click Submit.
    • If single check, enter the check number, payee (optional), check amount (optional), and reason.
    • If range of checks, enter the starting check number, end check number, and reason.
  7. Click Confirm.