Welcome to CFCU | CFCU Community Credit Union - New York (2024)

Deposit Account(s)

Debit Cards
Your debit card with CORE will no longer work, you can now activate your CFCU debit card that you should have received in the mail in early January.In order to activate your new card, call the activation number sticker on your card from the phone number you have on file with us. When you activate your card, you will also be asked to set up your PIN number.

If you have not yet received your new debit card or need assistance, please call our Member Solutions team at607-257-8500or toll-free800-428-8340or emailcontactus@mycfcu.com.

Scheduled/Automatic Payments (subscriptions) using your debit card number
If your debit card number is used to pay a monthly subscription (Amazon, Chewy, etc.) or automatic payment (car insurance, gym membership), please update any companies that have your CORE debit card number on file with your new debit card number after you activate your new card.

Direct Deposits/Payments (ACH) into/from your checking or savings account(s)
Your Direct Deposits/Payments will continue automatically. If we are notified of any errors, we will post the transaction and contact you.

Courtesy Pay (Overdraft Services)

Applicable to checking accounts only, if you want to learn more about this service or opt-in to this service, please refer to pages 18 and 19 of the Disclosure Booklet that you received in the mail.

For reference:

• If you currently have CORE’s basic Courtesy Pay product, you have been converted into CFCU’s Courtesy Pay Program for coverage of checks, ACH, and automatic bill payments, provided that you meet the eligibility requirements (see Disclosure Booklet for details).
• If you previously elected to have CORE pay overdrafts on ATM and debit card transactions, your election lapsed at the time of conversion.To elect for this feature to be turned on, please submit the Form (provided in the Disclosure Booklet) at your earliest convenience.

This may be submitted:

Account Numbers

Your existing account number(s) have changed slightly with the exception of your checking account number(s) which have remained the same. We added a prefix in front of your CORE account number(s) and have also included the CORE sub-account suffix. Listed below are the prefixes and examples for different types of accounts.

Checking Account(s)
Your account number(s) have remained the same.

Member Number
Your existing CORE Member Number now has a prefix of “2200”.
Example: prefix 2200 + existing member number 1234567 = new member number 22001234567.

Share/Member Savings Account(s)
Your existing CORE Share/Member Savings account number(s) now have a prefix of “2200” and also include the CORE sub-account suffix (as shown on your past CORE statements).
Example: prefix 2200 + existing share/member savings number 1234567 + CORE sub-account suffix 1 = new account number 220012345671.

Club Savings Account(s)
Your existing CORE Club Savings account number(s) now have a prefix of “2202” and also include your sub-account suffix from CORE (as shown on your past CORE statements).
Example: prefix 2202 + existing club savings account number 1234567 + CORE sub-account suffix 1 = new account number220212345671.

Certificate Account(s)
Your existing CORE Certificate account number(s) now have a prefix of “2201” and also include your sub-account suffix from CORE (as shown on your past CORE statements).
Example: prefix 2201 + existing certificate number 1234567 + CORE sub-account suffix 1 = new account number 220112345671.

IRA Account(s)
Your existing CORE IRA savings account number(s) now have a prefix of “2203” and also include your sub-account suffix from CORE (as shown on your past CORE statements).
Example: prefix 2203 + existing IRA savings number 1234567 + CORE sub-account suffix 1 = new account number 220312345671.

Loan Account(s)
Your existing Loan account number(s) now have a prefix of “2204” and also include your sub-account suffix from CORE (as shown on your past CORE statements).
Example: prefix 2204 + existing loan account number 1234567 + CORE sub-account suffix 1 = new account number 220412345671.

You can also view your numbers in CFCU's Digital Banking. Just click on the account you want to view, then click on 'Account Details'.

Routing Number

Effective January 30, 2023, CORE’s routing number was changed to CFCU’s routing number 221381540. However, checks with CORE’s routing number will be processed through June 30, 2023.

Checks

If you use checks, you should order new checks soon. Each CORE member can order a free set of checks. To order your set of checks, submit a secure message through Digital Banking, call Member Solutions at 607-257-8500 or toll-free 800-428-8340, or stop by a branch.

Statements and Electronic Statements (also known as eStatements)

You will receive your last statement from CORE as of January 27th by mail. Your first statement from CFCU will also be sent by mail and will be for the period of January 28th – January 31st.Even if you elected to receive eStatements, your final statement from CORE and your first statement from CFCU will be mailed.

If you currently receive or would like to receive your statements electronically instead of by mail,please sign-up for eStatements within Digital Banking even if you were previously registered for eStatements with CORE.

Learn more about eStatements and how to sign up here.

If you were registered to receive eStatements with CORE, your past statements and other electronic documents (tax statements) are no longer available in your statement history online. If you need a copy of a past statement or other documents, please contact Member Solutions at contactus@mycfcu.com.

Loan Accounts

Loan Account Number(s)
See “Account Numbers” section above.

Scheduled/Automatic payments from your CORE Checking to CORE Loans
If you had scheduled and/or automatic payments from your CORE checking to your CORE loan, those payments will continue automatically.

Terms and Payments
Your terms and payment amounts have not changed unless you have a CORE’s Home Equity Line of Credit Choice Loan. For those with this specific loan, you should have received a letter in late December with the updated terms.

Making a Loan Payment
CFCU has several options to easily make loan payments:

Click here to learn about the payment options

Credit Cards

Your credit card number(s) and the process to pay your credit card(s) will remain the same at this time. You can continue to pay your credit card(s) by check, through the CORE Credit app, or Credit Card Portal online. You can find the CORE Credit Card Portal Link here.

Disclosures and Fees

You should have received a Disclosure Booklet in the mail in late December which includes disclosure and fee information.

CORE’s Bill Pay

CORE Members that currently use CORE’s Bill Pay will be able to access CFCU’s Bill Pay beginning February 1, 2023 through our CFCU More app. Any payments set-up in CORE’s Bill Pay, will carry over to CFCU’s Bill Pay.

* If you don’t currently have CORE’s Bill Pay, this will be available to you in April 2023.

Apple Pay and Google Pay (GPay)

As a CFCU member, you now have access toApple Pay and Google Paywith your CFCU debit card.