SERVICE DISRUPTION: SUNDAY, OCTOBER 24 from 2AM - 2PM
We're doing our annual banking system upgrade which could impact your ATM service & POS transactions with your debit card. Please ensure you have CASH on hand or an alternative method of payment available.
Online Banking & Mobile App will also be unavailable during this time. We apologize for the inconvenience & thank you for your patience as we make this upgrade! 

FAQs

General Questions

All of our branch hours and information are listed here

You can also do your banking over the phone with our Contact Centre. We're open extended hours and on Saturdays. Our Advisors are happy to assist you!
Your account number is 12-digits. There's a few ways to locate it. 
  • Within your digital banking
  • On the bottom of your cheque. 
  • On your statements (electronic or paper)

Still can't find it? No problem - we're happy to help! Call us at 1.855.875.2255. 
Financial institutions use routing transit numbers in order to send and receive money from other banks or credit unions.

Here is our list of routing transit numbers for all of our Cornerstone branches. You'd use this information when setting up bill payments, wire transfers, cheque processing (sometimes called electronic cheques), and direct deposits.

You can also find this information on the lower left side of your cheques. 

Branch Branch # (Institution #) Transit #
Archerwill 889 90068
Arcola 889 34538
Emerald Park 889 50278
Glenavon 889 81208
Govan 889 90928
Grayson 889 20958
Grenfell 889 00968
Indian Head 889 31088
Ituna 889 83188
Kelliher 889 63198
Kipling 889 81208
Melville 889 41608
Montmartre 889 91678
Neudorf 889 94318
Odessa 889 71878
Rose Valley 889 72298
Saltcoats 889 94508
Theodore 889 32888
Tisdale 889 92908
Vibank 889 02998
Wolesley 889 43158
Wynyard 889 23168
Yorkton 889 03178













Our Contact Centre Advisors provide you with the same service and expertise as our Advisors in our branches. Let us help you over the phone at 1.855.875.2255

All of our rates and fees can be found on our Rates page

Our rates are subject to change without notice.

All account-related service fees are reviewed on an annual basis and are subject to change. 
You can find step-by-step instructions to add your Cornerstone debit card /credit card to your Mobile Wallet. Click the link below for: 
To send or receive a Wire Transfer, visit your local branch or give us a call at 1.855.875.2255. 
You can find all the important details and application form here
You can find all the need-to-know information and application form here

Digital Banking

Refer to our How-To page for step-by-step instructions and interactive demos. 

Signing In

When you sign in for the first time, you will use your 16-digit debit card number and either your personal access code (existing users) or your birthdate (new users). After creating a unique user name and password in the new digital banking system, you will use those to sign in from then on.

When selecting your username avoid using only your name. Choose a unique username that you'll remember because once you create it, you can't change it. Your username can be up to a maximum of 35 alphanumeric characters. Special characters are optional and the special characters you can use are:
  • _ (underscore)
  • . (period)
  • @ (alias)
Please note, your username cannot be your PAN (16-digit debit card number).

A password must be:

- Minimum 10 characters

- Minimum 1 uppercase letter

- Minimum 1 lowercase letter

- Minimum 1 number

- Special characters are optional

No, once you have selected a username you will not be able to change it. Be sure to select a username that you will remember.
Yes. You can sign in using your 16-digit debit card number in place of your username.

Once logged in, locate your username by clicking on Settings and Password. Your username will be located at the top of the screen. 

If you are still experiencing issues with logging in, please contact us and we'll help you with recovering your username. 

Click the Forgot username or password? link located on the online banking or mobile banking app sign in page and follow the instructions.

You must have a valid email address or mobile phone number on file to complete this action.

In online banking go to My Cornerstone, under Settings, click Password and follow the instructions.

In the mobile app, navigate to the menu “≡”, select Settings then tap Password and follow the instructions.

You must have a valid mobile phone number or email address on file to complete this action.

We recommend that you enter the information manually to reduce the chances of accidentally pasting the incorrect information or selecting additional characters or spaces.
Both fingerprint and facial recognition will be available on the new mobile platform, if your mobile device supports it.

You will be prompted to set this up, if you choose, when you log in for the first time. Alternatively, you can change your log in settings under Settings > Biometric Authentication whenever you are ready to set this up.

We strongly recommend against enabling Biometric ID if anyone else has or might gain access to your device and its security password.
Enabling Touch ID for mobile banking will grant access and full mobile banking functionality to any person whose fingerprints are saved on your device. We strongly recommend against enabling Touch ID if anyone else has or might gain access to your device and its security password.
Yes, you always have the option to sign in with your username or 16-digit debit card number and password. Just tap “Cancel” when the app asks for your fingerprint.

Two-Factor Authentication

A one-time passcode (OTP) is a security code that provides an additional layer of protection that safeguards sensitive information and certain online banking activities. It’s a numeric security code (up to 7 digits) that you will receive via text message to your mobile phone or to your email address when you perform certain activities. The code is time sensitive and valid only for a limited amount of time.

Here are some examples of when one-time passcodes are used:
  • Register for online banking
  • First time you sign in to online banking
  • Add a new bill vendor
  • Update contact information
  • Change or reset your password
  • Transfer funds to other members
  • Add an Interac e-Transfer® recipient
If you were expecting to receive your passcode by email, first check your spam or junk mail folder.  If you don't find it there, click resend the code on your confirmation screen to send it again.  Sometimes the passcodes experience a slight delay when sent by email.
If you have a mobile phone number on file with us the verification code will automatically send the code to your mobile phone number. If you choose to have the code sent to your email address, you will receive a second code. The second code sent is the one that you should use.

Security & Alerts

You can set up alerts yourself, in online banking or on the mobile app, and choose how you will be notified. Just another convenient way to keep your banking experience secure.

Setting up Security Alerts:
  1. Sign in
  2. If you’re using online banking click My CCU, under Alerts select Security. If you’re using the mobile banking app, navigate to your menu (in the top left-hand corner), select Alerts, and choose Security
  3. Select the type of alerts you would like to receive and how you would like to receive them
  4. Save
Setting up Account Alerts:
  1. Sign in
  2. If you’re using online banking click My CCU, under Alerts select Account. If you’re using the mobile banking app, navigate to your menu (in the top left-hand corner), select Alerts, and tap Account
  3. Select the account you would like to link the alert to, the type of alerts you would like to receive, how you would like to receive them
  4. Enter a dollar amount if applicable and Save

You can adjust or unsubscribe to your current alerts at any time. Sign in to online banking, navigate to My CCU and choose from Account or Security Alerts.

You can also change your alerts on your mobile banking app by navigating to your menu (top left-hand corner), selecting Alerts, and choose from Account or Security Alerts.

Push notifications are messages that can be sent directly to a user’s mobile device. They can appear on a lock screen or in the top section of a mobile device.

eStatements

You can view your eStatements for the past seven years.
You can find your eStatements with these simple steps:

  1. Sign in to CCU's digital banking
  2. If you are using online banking, click Accounts, under Accounts select View eStatements.  If you are using the mobile banking app, navigate to the menu (in the top left hand corner), select Accounts and tap View eStatements
  3. Select the year and date of the statement you want to view

Simply sign in to online or mobile banking and change your settings.

  1. Sign in to CCU’s digital banking
  2. If you’re using online banking click My Cornerstone, under Settings, click Statement preferences. If you’re using the mobile banking app, navigate to your menu “=”, select Settings, and tap Statement preferences

In each statement account section, you will see a button ("v" icon), followed by an "Account details" label. When you click on that button, a subsection will expand, displaying all the accounts that are merged with that primary account. We call that the statement account.

In the Paper Statement column, you can click the toggle button to turn paper statements "OFF" or "ON". If the toggle is in the "OFF" position, it will have no colour, meaning it is disabled and you will not receive paper statements. If the toggle is "ON", you will see that it is green, meaning that you will receive a paper statement.

Favourites

Favourite transactions are simply transactions that you conduct often.  These transactions are saved in your 'Favourites' so they can be re-used in the future, making these transactions quick and easy to complete!

Examples of some favourite transactions may include: bill payments, transferring funds to your kids for their weekly allowance, transfers to a savings account every pay day and the list goes on.   


Favourite transactions can be customized with a name and photo and can be edited at any time!


You can delete, rename or add a photo to your favourite transactions.

In online banking, select Accounts, under Accounts click Favourite transactions. You can also click the heart icon located at the top right corner on your main online banking page.

In mobile banking, navigate to your menu “≡”, select Accounts and tap Favourite transactions. You can also view your favourites on your main mobile app page after you’ve signed in.

Watch out interactive demo

The following are a few examples of favourite transactions:

  • Transfers between your accounts (immediate, recurring, scheduled)
  • Member-to-member transfers (immediate, recurring, scheduled)
  • Transfers to loans (immediate, recurring, scheduled)
  • Bill payments (recurring)
  • Transfers to TFSA and RRSP savings accounts (immediate, recurring, scheduled)
  • Interac e-Transfers® (send or request money)

Bill Payments

Yes. This is already available through online banking but now you’ll be able to do it through our mobile banking app as well.

Bill payments made after 9:20 pm will be processed with the following day’s date. The payments will be processed by 9:20 pm the following day. You can view and/or delete your bill payments in your list of Scheduled Payments until the time payments are processed.

Please note that vendor settlement times vary. To ensure your bill payments are received before the due date, submit your bill payment at least three (3) business days prior to the due date.

You can schedule a bill payment and set the frequency of a recurring bill payment.
When setting up a recurring bill payment, you can set the frequency to:
  • Daily - once a day
  • Weekly - once a week
  • Bi-weekly - every two weeks
  • Monthly - once a month
  • Yearly - once a year

Interac eTransfers®

Recipients are notified by email or text message that they have received a payment within approximately 30 minutes from when the transfer was initiated.


Follow the steps below to resend an Interac e-Transfer notification:

  1. Sign in to CCU’s digital banking
  2. If you’re using online banking click Transfers & payments, under Interac e-Transfer select History. If you’re using the mobile banking app, navigate to your menu “=”, select Interac e-Transfers and tap History
  3. Click on the Pending transactions tab, choose the transfer you want to resend a notification for and click the Re-notify button or bell icon 
  4. You will receive a pop up “Did you want to re-notify the recipient of the requested transfer?” click Re-notify
If you want to cancel the transfer, you can follow these steps:
  1. Sign in to CCU’s digital banking
  2. If you’re using online banking click Transfers & payments, under Interac e-Transfer select History. If you’re using the mobile banking app, navigate to your menu “=”, select Interac e-Transfers and tap History
  3. Click on the Pending transactions tab, choose the transfer you want to resend a notification for and click the Cancel button.
  4. Click Continue
  5. The recipient will then receive a notification of the cancellation.
Contact the sender and ask them for the answer. You can also have them resend the Interac e-Transfer with an answer you both know.


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.
If you want to cancel the transfer, you can follow these steps:
  1. Sign in to CCU’s digital banking
  2. If you’re using online banking click Transfers & payments, under Interac e-Transfer select History. If you’re using the mobile banking app, navigate to your menu “=”, select Interac e-Transfers and tap History
  3. Click on the Pending transactions tab, choose the transfer you want to resend a notification for and click the Cancel button.
  4. Click Continue
  5. The recipient will then receive a notification of the cancellation.

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.

Account Opening

  1. Sign in
  2. Click Accounts and select Open account
  3. Choose Chequing or Savings and click Check the accounts
  4. Select the account type you want to open and click Open account
  5. Fill in the fields and click Continue
  6. Review the details and click Continue
  1. Sign in
  2. Click Accounts and select Open account
  3. Choose Term deposit and click Check the accounts
  4. Select the term deposit type you want to open and click Open account
  5. Select the account you wish to fund the term deposit from, fill in the rest of the fields and click Continue
  6. Review the details and click Continue

You must have a TFSA/RRSP plan and TFSA/RRSP savings account to open and fund a term deposit online. You will have to move funds from an eligible chequing or savings account to the TFSA/RRSP savings account before funding the term deposit.

  1. Sign in
  2. Click Accounts and select Open account
  3. Choose Tax-Free Savings Account or Registered Retirement Savings Plan and click Check the accounts
  4. Select the term deposit type you want to open and click Open account
  5. Select the registered plan you want to contribute to
  6. Select the registered savings account you wish to fund the term deposit from, fill in the rest of the fields and click Continue
  7. Review the details and click Continue

Don’t have a plan or account yet? Book an appointment today!

You can reinvest your RRSP/TFSA funds through digital banking as long as the term deposit matured into your RRSP/TFSA savings account.

To reinvest your funds:

  1. Sign in
  2. Click Accounts and select Open account
  3. Choose Tax-Free Savings Account or Registered Retirement Savings Plan and click Check the accounts
  4. Select the term deposit type you want to open and click Open account
  5. Select the registered plan you want to contribute to
  6. Select the registered savings account you wish to fund the term deposit from, fill in the rest of the fields and click Continue
  7. Review the details and click Continue

If you would like to change your renewal instructions, please contact us.

No. You will need to contact us to process this request.
Some products are not available online. If you see something on our website that isn’t available in digital banking, please contact us.

Other Digital Banking FAQ's

Digital banking displays all accounts you have signing authority on. You can change the way your accounts display so that you see only the accounts you want to see.

In online banking, select Accounts, under Accounts click Customize accounts. In the “Visible” column, you can click the toggle button to make accounts visible or not. If the toggle is in the "OFF" position, it will have no colour, meaning it is disabled and that account won’t be visible. If the toggle is "ON", you will see that it is green, meaning that account is visible. Select which accounts you want to be able to see, then click Save.
Yes, you can download your transaction activity to the following software programs:

  • CSV*
  • PDF (PDF is the only program available with the mobile banking app)
  • Microsoft Money (OFX)
  • Quicken (QFX)
  • Sage 50 (OFX)
  • Xero (OFX)

The appropriate software must be loaded in your personal computer to access the downloaded content. Please refer to the Help section in those programs for assistance. You can also refer to the program support website for further information and assistance.

*CSV files are for spreadsheet programs.


Our secure messaging service allows you to communicate with us from within the online banking system and is only available after you have signed in. You may include account numbers and any other information that may help us better assist you with your questions. Please use the messages feature within online banking instead of sending personal information through unsecure email channels.

In online banking, navigate to My Cornerstone and click Messages or you can click the envelope icon located at the top right corner on your main online banking page.

In mobile banking, you can navigate to messages by tapping on the envelope icon located at the top right corner on your main screen.

Yes, loan payments can be made through digital banking.  All loan payments processed through digital banking are applied as a principle payment only.
Yes, you can set up shortcuts through the widget function on your mobile device by navigating to the menu (in the top left hand corner), choosing Settings and selecting Widgets.  You will then be able to add up to three accounts you'd like to view. If you're sharing this device, we recommend you turn off this option.
  1. Once you are logged in, click on the menu icon in the top-left hand corner.
  2. Choose Settings and select "Widgets"
  3. Click on the Account balances to turn the functionality on and then click "Add account"
  4. Enter the account name you want to display
  5. Select the account you want to display
    • Under Visibility, recommended to leave "Both" checked
    • Under Balance Display, recommended to leave "Account balance" checked
  6. Select "Done" and "Add to Widget" at the bottom of the screen.
  7. Follow the same process to add up to 2 more accounts you'd like to view.
  8. Logout of app. The next time you go to login, you will see your account balance displayed. If you set up more accounts, swipe right to see your quick balances. 

You are also able to add some of your favourite transactions as shortcuts in the widget, making it even easier for you to do your banking! 

Although we do understand the impact that printed statements have on our planet, we also recognize there may be instances when printing your banking history may be necessary. Here’s how:

In online banking, go to Accounts and then View Transactions. Scroll to the bottom of the page and click the print button at the bottom of the screen. You can also save a PDF of the transactions for future reference.

In mobile banking, navigate to the menu “≡”, select Accounts and then View Transactions. At the bottom of the screen, click Share. You then have the option to save to a PDF and print it from there.

Did you know?

You can use the filter option to narrow down the transactions you would like to print? Try it out!

Please print responsibly.

Yes, by clicking on the 'Filter' (magnifying glass) icon at the top right of the View Transactions screen, you can select the dates (select the calendar icon in the ‘From’ and ‘To’ section and a calendar will come up where you can choose the specific date range) that you would like to view your transactions.

Did you know?

You can also narrow down which transactions you can see by clicking the down arrow next to ‘Show’.

Your RRSP and TFSA contribution limits are established by Canada Revenue Agency (CRA) and are based on many factors that we may not know. The limits are calculated by CRA and are communicated to you alone. For this reason, we recommend that you monitor your limits and make sure that you don't over-contribute to your RRSP and/or TFSA. Cornerstone can't prevent your transaction if it results in an over contribution.

Digital Banking - Small Business

Yes, you will need to re-create access for any of your existing delegates on the new online banking system before they can sign in. As was the case before, you can only set up delegates from a computer, not the mobile app.

Pending transactions will not be carried over to the new system. You will need to re-create pending transactions that were not acted on.
Business CRA payments will need to be reset up on the new digital platform.
The consolidation feature works a little bit differently with the new platform. You won’t be able to view your consolidated memberships until you have completed a few steps.

You will have to start by completing your initial sign in for each membership separately. Once you have completed the onboarding process for all your memberships, you can then consolidate them as required. Once you have completed this step, you will be able to sign in once, and switch between any of your consolidated profiles as needed.

As a signer on the business, we need to authenticate you as an individual. 
Digital banking has a character limit when it comes to the business name, and your business name may be outside the limits. This will not impact any of the information sent with bill payments or what is stored in our banking system. 
If you have your membership set up as requiring two-signer approval for transactions like bill payments and Interac e-Transfers®, you can approve the transaction within digital banking.
  1. Sign in to digital banking
  2. From the menu, click Business Services, then Review Pending Transactions
Note: Transactions expire after seven days.
Profile consolidation allows you, as a small business member, to add your personal account and/or other business accounts that you are a signer/owner of. This enables you to toggle back and forth between your business(es) and personal account.
How-To: Consolidate Profile
  1. Log in to digital banking via desktop (profile consolidation not available to set up in the mobile app)
  2. Select 'Business services'
  3. Click ‘Profile Consolidation’
  4. Click ‘Add Profile’
  5. Enter personal or business profile username
  6. Enter personal or business profile password
  7. Click ‘Continue’
  8. Confirm details and click ‘Continue’
Your profile is now added successfully.

Repeat these steps if you want to consolidate additional business accounts that you are a signer/owner on the account.
To consolidate a profile the member must be a signer on the business account. Delegates will have to sign in to each business membership.

You can set up as many delegates as you wish, there is no maximum number of delegates that can be set up.
One person who has signing authority for the accounts will create a username for the delegate when adding them to the membership. After this, a temporary password will be sent to the signer to enter into the system. Once the delegate is set up, they will use their new sign in information and they’ll be prompted to create their own unique password the first time they sign in.
Yes, you can grant one of two permissions for each delegate on each business: read-only or initiator.
Delegates can initiate transactions, but not authorize or complete them. If the business account requires two approvals, the delegate can create a transaction, and then two signers will have to sign in to approve it.
The signer, or signers, on the business account, haven’t completed the setup process for the new digital banking experience. Once they finish getting set up, they can add you back as a delegate.

Meeting with a Financial Advisor

You can book an appointment using any of the following options: 
  • Request it through Live Chat
  • Call us at 1.855.875.2255
  • Visit us at any branch location
For your convenience, we can meet with you over the phone, through video, or in our offices.

If you're booking an appointment to see one of our Farm and Business Advisors, we can come to you. We'd love to meet at your kitchen table, or even in your tractor or combine - your office view beats ours.  
To make changes to your existing business / community / organization account, each signor must bring the following:
  • Two pieces of ID
  • Account number of business / community group / organization
  • Signed meeting minutes stating signing authority changes
  • Current signing officer(s) must sign off of the account before the new one takes effect

Debit Card / Cheque

To Report a Lost or Stolen Debit Card:
Call our Contact Centre at 1.855.875.2255
Monday to Thursday: 8:00 AM to 8:00 PM
Friday: 8:00 AM to 6:00 PM
Saturday: 8:00 AM to 4:00 PM

Outside these hours, call:
Within North America: 1.888.277.1043
Outside North America: 1.905.305.4099



To Report a Lost or Stolen Cornerstone Credit Union Collabria Mastercard:
Call 1.855.341.4643
Open 24/7


Yes, there are transaction limits for purchases made using Interac Flash. This is for your safety and security. 

A single transaction using Interac Flash® cannot exceed $100 and there is a cumulative spend limit of $200. When the cumulative spend limit is reached, you are prompted to insert your card and enter your PIN to complete the transaction. This validates you as the legitimate cardholder and resets the limits.

These limits have been set by Interac, therefore we do not have the ability to change or increase the limits for Flash transactions.
Holds are placed on cheques for your safety to reduce the risk of fraudulent transactions. There may be a hold of up to four business days on a cheque deposit, whether it's deposited by branch or through our CornerstoneCU mobile app. 

To find out how long the hold is and to inquire about lifting the hold, call us at 1.855.875.2255.

If you are regularly receiving a government or employer cheque, consider automatic direct deposit to avoid holds.

Open Account / Membership

We can't wait to welcome you to Cornerstone!

Contact us today to become a member. 
If you're already a member here, you can open a personal account in Digital Banking. Refer to our How-To page for step-by-step instructions.

Not a member?
Contact us today to start banking simply with Cornerstone.
When you become a member, you become an owner here - and immediately gain the access, benefits and confidence that ownership provides. 

As our member-owner, you can count on our staff to empower you with advice and solutions that meet your specific needs, because you are our primary shareholder. 

This also means, that unlike a bank, our profits go back to you in the form of better rates, better services and better advice. 
Interac is a registered trade-mark of Interac Corp. Used under licence.
Interac e-Transfer is a registered trade-mark of Interac Corp. Used under licence.
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