Online Banking

Important Notice

Your online security is extremely important to us. That's why we're further enhancing our online banking and mobile app security with increased personal access code (PAC) requirements.

The requirements for your password have changed from all numbers, to an alphanumeric password with more options.

We have recently updated the Personal Access Code (PAC) requirements in online banking to increase security and help further prevent fraud.  Effective April 3rd, when logging into online banking – or our mobile app - you'll be prompted to change your personal access code (PAC) to a stronger PAC that has the following minimum requirements:   

  • At least 8 characters minimum, and up to 30 characters maximum; it is recommended to use a phrase rather than just a word i.e: LongerisStr0ng3r! – the longer the password the safer it is!
  • At least one upper case letter,
  • At least one lower case letter,
  • At least one number;
  • The following special characters: @, #, $, -, |, !

Online Alerts

To be even more protected, set up Online Alerts in Online Banking. It’s simple!

  • Login into MemberDirect online banking
  • Click on Messages and Alerts
  • Select Manage Alerts and enable the security alerts.
You can receive alerts by email or text whichever your preference.  Alerts are a great security feature intended to detect unwanted fraudulent activities and security breaches

MemberDirect® Online Banking

Our MemberDirect® Online Banking provides you with 24/7 online access to your accounts, allowing you to take care of your financial transactions - both personal and business - at your convenience.

Use MemberDirect® Online Banking to do all your banking such as:

  • pay bills
  • check account balances and transaction history
  • transfer money between accounts
  • make loan payments
  • access to financial statements

Want to sign up? Call us at 1.855.875.2255 or visit your branch.

Here are more features included in Online Banking

Lock’N’Block® Expand/Collapse

Lock'N'Block® is a service that lets you "lock" your Interac Flash debit card to "block" unauthorized or unwanted use. 

•     Lock your debit card

•     Block ATM transactions

•     Block purchases and refunds

•     Block all international transactions

...24/7 all through online banking, mobile app or mobile web!

To access Lock'N'Block® through online banking

•       Log in to online banking

•       Click Account Services > Lock'N'Block®


To access Lock'N'Block® through your mobile app

•       Log in to your mobile app

•       Tap the Lock'N'Block® icon


To access Lock'N'Block® through mobile web

•       Log in to mobile web

•       Tap the Lock'N'Block® icon

Find out more here

ACCOUNTPLUS® Expand/Collapse

The ACCOUNTPLUS® feature allows you to link investment accounts for display on the Account Summary page in Online Banking. The SSO (Single Sign On) feature enables users to access their Credential accounts without entering another username and password.

The current ACCOUNTPLUS™ partners are:

  • Credential Asset Management Inc.
  • Credential Securities®
  • Credential Direct

Important Disclaimers

Direct Alerts for Online Banking Expand/Collapse

Guard against account fraud! Alerts will let you know when important changes have been made to your information in Online Banking. These alerts add additional protection to allow you to identify and report potential fraudulent activity as soon as it happens.

You will be notified when:

  • Your internet banking account is logged into.
  • A new bill payee is added to your list of vendors.
  • Your Personal Access Code (PAC) is changed via Online Banking.
  • You are locked out of Online Banking after 3 incorrect responses to security questions.
  • An INTERAC e-Transfer New Recipient is added.

These alerts can be sent as a text message to your mobile device, as an email to your email address or both.

How do I sign up?

  1. Log into Online Banking.
  2. Navigate to the Messages and Alerts tab and click on Get Started Today to display the Mobile Alerts page. Choose Add Contacts.
  3. You will be asked to accept the Alerts Agreement before you can complete your registration.
  4. From here, add an email contact, phone contact (or both!) and follow the instructions received in the confirmation email or text.
  5. Next, select account nicknames and choose which alerts you’d like to receive. We recommend the online login alert be enabled along with any other alert you choose.
  6. Ensure the check box beside the contact (email address and/or mobile phone) to receive the alert has been checked by choosing Manage Alerts and selecting the alerts you wish to receive.
  7. Click Submit You’re all set!
Type of Alert How the alert works
Online login Alerts you every time your account has been logged in to.
Password changed Alerts you if you or someone else has changed your password.
Account Locked - Security Questions Alerts that your account is locked after you, or some unauthorized person, have tried unsuccessfully to log in to your account three times. Contact us to have your online banking account unlocked.
New bill payment vendor account added Alerts you know if a new bill payment vendor has been added to your account.
Balance Alert Notifies you of your available or current balances. Set up daily, weekly alerts.
Low Balance This alert notifies you if your available or current balance falls below the threshold you have set.
INTERAC® e-Transfer recipient added Alerts you when an INTERAC e-Transfer recipient has been added to your account.
A withdrawal exceeds threshold Alerts you if a withdrawal exceeds a threshold you have set. (ATM, POS, bill payment)
Scheduled payment/transfer reminder Notifies you of an upcoming scheduled payment/transfer is due 5, 3 and one day before.

Managing Your Alerts Service

In addition to receiving your Direct Alerts via email or text, you can review the last 30 days of Alerts History in Internet Banking – just click on the Alerts history link on the Alerts page. You can also manage your alerts by editing the contact information, account nicknames or by choosing different alerts to be received. You can access all of these functions from the Manage Alerts tab.

Frequently Asked Questions

1. What are Alerts and why should I sign up?

Direct Alerts make it easy to keep track of any changes that occur with Online Banking – for example, if you sign up to receive an alert if your Online Banking account is logged into, you will receive a text or email if the Online Banking system detects that change. If you receive an alert but did not perform a change in Online Banking, this may be a sign of fraudulent activity. Contact us immediately and we can address your concerns and take appropriate action.

2. What are the fees for using Alerts?

There is no charge to members for receiving alerts from Cornerstone Credit Union. However, your Mobile Service Provider may charge you for receiving text messages or for data usage. Members are advised to check with their provider for details.

Are Alerts safe?

Personal information is not transmitted in a Direct Alerts text message or email. Accounts are identified by nickname only – no account numbers, balances or identifying details are visible. Also remember – we will never ask you to provide personal information over email or text.

Which Mobile Service Carriers support Alerts?

Currently, this feature is supported by Telus, Rogers, Fido, Bell, MTS, Virgin, Sasktel, Koodoo, Solo, PC Mobile, Mobilicity and WIND.

What happens if I change my mobile device number?

Sign into Online Banking and edit your Alerts Contact information to include your new mobile number.

NOTE: If a user adds a new contact to an active alert at a later date they must EDIT the alert and check the appropriate contact box.  If this box is not checked the new contact will not receive an email or text alert.

I want to add or change my email address?

Sign into Online Banking and edit your Alerts Contact information to include or change the email address.

NOTE: Each time a contact is added or modified you must EDIT all of the active alerts and check the appropriate contact box.  If this box is not checked the new contact will not receive an email or text alert.

How many email or phone contacts can I set up?

A combined maximum of 3 email or phone contacts may be setup. You can delete an existing contact and add in a new one, but you cannot have more than 3 set up at a time.

What happens if I lose my mobile device?

Contact your service provider to suspend your service. Then, sign in to Online Banking to deactivate the alerts being sent to your device.


e-Statements Expand/Collapse

Less Paper. Less Clutter. More Planet.

Did you know your monthly statement is available electronically with e-Statements?

e-Statements look the same as your paper statement, but offer more value and convenience.  Here are the benefits – besides saving a tree:

  • Instant access to your statement through Online Banking – no more searching for paper or waiting for it arrive in the mail.
  • View and print as required.
  • Archives your past statements and stores in a secure location.
  • e-Statements are FREE!


Go paperless in seconds!

Discontinue receiving your paper statement by following these simple steps:

  • Log in to MemberDirect® Online Banking
  • Choose My Accounts > Statement Preferences
  • Enter your email address
  • Confirm your address


It’s that easy!  You can then view your statements online 24/7 through Online Banking.

E-Documents Expand/Collapse

We’re here to make things easier for you. Cornerstone has added a new feature to your MemberDirect Online Banking – E-Documents. Here you can access your electronic statement AND your RSP, T5, T4RSP, T4RIF, NR4E or NR4D documents all through your online banking. For free! Anytime you want.

If you happen to lose one of these important documents you can request one from us anytime for no fee.

Haven’t signed up for E-Statements yet? Make the switch! Contact your Cornerstone advisor today.

INTERAC e-Transfer Expand/Collapse

Transferring money can now be done quickly and securely with INTERAC e-Transfer†! All you need is your recipient’s email address or mobile phone number to send money in just a few quick and easy steps.


When to use INTERAC e-Transfer:

  • Splitting the bill in a restaurant
  • Paying a roommate for your portion of rent or bills
  • Sending some birthday cash to a family member
  • Paying for everyday purchases such as housekeeping, babysitting or home repairs


Key Benefits

Convenient and Simple to Use!

  • All you need is your recipient’s email address or mobile phone number
  • You can also transfer money to your other Canadian Financial Institution accounts
  • Make or receive a transfer from anywhere at any time using your computer or Smartphone - Online Banking is available 24 hours a day, 7 days a week!


Saves Time and Money!

  • No need to wait for the transfer to be approved – your recipient can access funds quickly
  • No more stops at the ATM or waiting for cheques to be cashed!
  • Lower cost than bank drafts or money orders



  • Your personal information is secure – email or text is used for communication purposes, but your funds are contained in our secure banking network
  • No account numbers or other Financial Institution information is required
  • A security question of your choosing protects your funds from being received by the wrong person


How to send and receive an INTERAC e-Transfer:

  1. Log into Online Banking and navigate to the “Transfers” screen
  2. Set up your sender profile and add your recipient – make sure to create a Security Question that only your recipient knows the answer to.
  3. Choose how to notify your recipient, the amount you wish to send and which account the funds will be transferred from. You can also choose to send a special message or memo to your recipient.
  4. Send! The funds are debited from your account immediately.
  5. Your recipient will receive notification that you have sent them an INTERAC e-Transfer, and will follow the links provided in the email or text message to deposit their funds.
  6. Once they have answered the security question correctly, they can deposit the funds immediately – no holds, no hassle!
  7. If your recipient’s financial institution does not subscribe to the INTERAC e-Transfer service, it’s no problem! They can still receive their funds by following the link to Interac’s Association site, at which time they will be asked to create or log into their existing account with Interac Association.

Once logged in, Interac Association will proceed to deposit the transfer into their chequing or savings account (which usually takes 3-5 business days). For non-participating financial institution deposits, a $4.00 service fee will be deducted from the transfer amount.


Limits and Fees:


Sending Limits:

Per Transaction:  

Send - $3,000

Receive - $10,000


Per Week:

Send - $10,000

Receive - $70,000


Per Month:

Send - $20,000

Receive - $300,000


A non-refundable fee of $1.50 will be charged for sending an INTERAC e-Transfer – unless you have a NO-FEE Account. It is free to receive e-Transfers (*Regular transaction fees apply).



  1. What is Acxsys Corporation?

Acxsys Corporation powers the INTERAC e-Transfer service for the participating financial institutions. Acxsys Corporation facilitates the e-mail notice process and maintains the INTERAC e-Transfer database.


  1. How long does it take to send and receive an INTERAC e-Transfer?

An e-mail and/or SMS text message notifying the recipient of their INTERAC e-Transfer is sent immediately after the sender completes the INTERAC e-Transfer. Once the recipient receives notification, they can complete the deposit process, usually within just a few minutes of the transfer being sent!


NOTE: If your recipient’s Financial Institution does not subscribe to the INTERAC e-Transfer service, they can still deposit their funds using the Acxsys Transfer process. This method of depositing an INTERAC e-Transfer generally takes 3-5 business days, although it may take longer.


  1. I sent a transfer but provided an incorrect e-mail address or mobile phone number for the recipient. What should I do?

If you provided an invalid e-mail address, you will be notified via e-mail that the transfer notification was undeliverable. You can readdress and resend the transfer or cancel the pending transfer and the original amount (less the service charge) will be credited back to your account.


If you provided an invalid e-mail address, but did provide a valid mobile phone number, you will not be notified by e-mail that the transfer was undeliverable.


If you have provided an invalid mobile phone number and chose to notify your recipient by mobile phone only, you will not be notified in any way that the SMS text message did not go through.


  1. How do I readdress and resend an INTERAC e-Transfer?

If you have been notified of an undeliverable INTERAC e-Transfer due to an incorrect e-mail address, you can readdress and resend the transfer. Just:

  • Edit your recipient information to include the valid email address.
  • Select the “Resend Notification” from the “Pending Transfer” screen
  • Click “Confirm”


An e-mail notice will be resent to the recipient's valid e-mail address


  1. How do I cancel an INTERAC e-Transfer and deposit the funds back into my account?


To cancel and deposit the transfer amount back into your account, you must check the status of the transfer – if the transfer is still in the list of Pending INTERAC e-Transfers, simply click “Cancel” and follow the instructions. The transfer amount is automatically deposited back into the account indicated. Service charges are non-refundable.


If the transfer is no longer in your list of Pending INTERAC e-Transfers, please contact your Credit Union for assistance.


  1. Does the recipient get a reminder to deposit their INTERAC e-Transfer?

The recipient will receive email or SMS reminder of the outstanding transfer 7 days after it has been sent, then again at 14, 21 and 28. After 30 days, the transfer will expire and the recipient will no longer be able to deposit the funds. At that time the sender will be notified and can cancel the expired transfer to redeposit the funds.


  1. What is a security question? What are the guidelines for the security answer?

The security question verifies the recipient’s identity and protects your funds from being received by the wrong person. The question must be answered correctly in order to complete the deposit process. It is the sender’s responsibility to create a security question and answer known only to the recipient.


Guidelines for the security answer:

  • The answer must be one word.
  • The answer must not contain any blank spaces.
  • The answer is not case sensitive and letters and/or numbers are accepted.
  • The answer cannot contain special characters (i.e., &, $, etc.).
  • The answer should be kept strictly confidential between the sender and recipient.
  • The security question and/or answer must not be included in the optional message attached to the INTERAC e-Transfer.


  1. What happens when an INTERAC e-Transfer cannot be received?

The sender will be notified by e-mail when an INTERAC e-Transfer cannot be completed because:

  • The recipient declined the transfer.
  • The 30-day time period for the recipient to claim the transfer has expired.
  • The e-mail address you entered for your recipient is invalid. (See FAQ #3)
  • The recipient was unable to answer the security question.


Once the sender receives this notification, they can follow the links in the message to cancel and re-deposit the funds. Service charges are non-refundable.


  1. I keep getting an error message when sending or receiving an INTERAC e-Transfer.

There are several error messages which can be generated while using the INTERAC e-Transfer feature, which may include the following

  • Exceeds sending / receiving limits, for a single transaction, a week or a month.
  • The account you are attempting to send from or deposit to is restricted from use with this feature.
  • The communication between Online Banking and your credit union’s banking system has timed out.


For assistance with these issues, please contact Cornerstone Credit Union. 


Learn More:

Looking for more information? Visit the INTERAC e-Transfer homepage ( for more information on how this feature works, or contact us at 1-855-875-CALL (2255) and speak to a Member Service Representative.


A list of participating financial institutions can be found here (


Me-To-Me Transfers Expand/Collapse

Bank at more than one financial institution?

You can transfer funds to and from your Cornerstone account, to and from any other financial institution you deal with, with Me-to-Me Transfers.
Click to find out more.

Text for Balance Expand/Collapse

When you can't access Wi-Fi for online banking or simply want to know your account balances, let your fingers fly to get the information you're looking for with Text for Balance.

Text for Balance gives you real-time access to your accounts wherever you happen to be. Just send a quick text message to your account and you'll receive a message back. It's fast, it's easy and it's free.*

It works on all text-enabled phones. It doesn't matter what kind of cell phone you have, as long as you can send and receive text messages.

Ready to sign up?

  1. Login to your online banking account and click on mobile banking
  2. Enter your mobile phone information
  3. You'll receive a text message with your passcode
  4. Confirm your passcode and select the accounts you want to access with mobile banking


Once you've signed up, it's easy to use.

Account Balance

To check your account balance, simply text BAL to 66639. Within moments, you will receive a text message with your account balance information.

All Account Balances

To check all of your account balances, simply text BAL ALL to 66639. You'll receive a text message with the balance information for all your selected accounts.

Transaction History

To view your recent account activity, simply text ACT to 66639. You'll then receive a text message with your five most recent transactions on your account.

And, to make it even easier, you can save the short code in your phone for quick and easy access. You can even save your text messages and simply resend for future use.

*Standard text messaging rates may apply depending on your provider and plan.


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