Whether you are getting ready to head off to school or have already begun your college career, Cornerstone has all of the student banking services you need - checking, debit card, loans, online banking and more. It's a great way to get a head start on your financial future today with an institution that will be with you tomorrow.

Free Checking Account
With a Cornerstone checking account,* you can conveniently get cash, pay for purchases, pay your bills or get the things you need. Plus you enjoy the benefits of:
• No minimum balance required
• No monthly maintenance fees or per check charges
• Unlimited check writing privileges
• Free online banking with bill pay
• Access to over 32,000 surcharge-free ATMs nationwide

*Must be age 16 or older to open a checking account and age 18 or older to receive a debit card

ATM and ATM Card/VISA® Check Card
You can enjoy fast, convenient, anytime access to your Cornerstone account at thousands of ATMs around the corner or around the world. With your Cornerstone ATM card or VISA® Check Card you can make withdrawls form your savings or checking account, transfer funds between accounts and check your account balances. You can also use your Cornerstone VISA Check Card to access surchage-free ATMs and make purchases directly from your checking account everywhere Visa is accepted. To find the nearest surcharge-free ATM in your college town, click here and type your zip code in the ATM Locator.

Savings Account
Did you get some money selling your books back this semester? Still have graduation checks sitting around? Do something smart with that money. A Cornerstone savings account is the key that unlocks all your Cornerstone member benefits. Just a $5 deposit opens your account and establishes your membership.

Click here for a downloadable PDF on our Student Checking & Savings Services

Full Online Capabilities
We offer a full range of online services, including OASIS online banking, Statement Express e-statements, online bill pay and updates on attractive rates and promotions. We also provide the CURTIS telephone information system for those times when you don't have access to a computer.

OASIS (Online Account Status and Information System) OASIS lets you keep on your accounts from the comfort for your dorm room or anywhere you have access to a computer. It gives you a convenient way to pay bills, check account balances, transfer funds, view your account history and e-mail the Member Services Department 24 hours a day.

Click here to visit the OASIS page for more information

Statement Express
With Cornerstone Statement Express, every time you find a computer you can find your account statement. It is the electronic delivery of your quarterly or monthly statements, which takes the place of mailed statements. Statement Express is free, simple, fast, safe and it puts you in control.

CURTIS Telephone Information System
CURTIS, our Credit Union Remote Telephone Information System, give you 24-hour account access. Wherever you are - any day, anytime - you can access your Cornerstone account with the touch of a button. You can have complete control of your account by simply dialing the phone - and it's free!

Call CURTIS today at (716) 625-6733 or 1-800-676-2878. Click here for a downloadable PDF on Cornerstone Online Services


A Classic Cornerstone Student VISA gives you convenience and flexibility while you start building your credit. This is the perfect way to help you establish a good, solid credit rating.

A VISA credit card gives you the power to make purchases virtually everywhere you go. Available for full-time college students ages 18 and up, a Cornerstone Student VISA gives you the added advantages of:
• A manageable credit line up to $750
• A low fixed rate that keeps your monthly payments easy to manage
• An interest-free grace period for paying off your purchase balances
• No annual fee

You can apply today by phone at (716) 433-0063, online, or pick up an application at any of our convenient locations.
Click here for a downloadable a PDF on our Student VISA Card


National Shared Service Centers
Cornerstone has partnered with other credit unions to give you access to more locations, both locally and across the country, to take care of your basic financial needs. At these shared service centers you can:
• Cash checks
• Make deposits, withdrawals, transfers or loan payments
• Purchase money orders, travelers checks and official checks
• Get balance inquiries

Find a National Shared Service Center by calling 1-800-919-2872 of visiting www.cuservicecenters.com

Click here for a downloadable a PDF on our Shared Service Centers including a list of local shared service centers