Savings and Shares
Checking and MasterDebit Card
Card Valet
Credit Sense
All Purpose Loans
Student Loans
Mobile Banking / Remote Deposit Capture
Teller Phone Menu
Special Services
Reorder Checks
CheckFree Bill Pay & Popmoney

Savings and Shares
Shares / Savings
This is an all purpose savings account
Quarterly Dividends
Tier Rate Structure
Day to day availability
ATM Card access available
Deposits can be made by . . .
Payroll deduction
Mail (checks or money orders only)
Direct Deposits
At the Credit Union
Through ACH (Automated Clearing House)
Minimum Balance
A minimum balance of $25.00 must be maintained in regular shares to keep your account open.
Term Certificates (CDs)
Various terms and attractive rates
IRA Accounts
(Individual Retirement Accounts) Savings for retirement
Money Market Share Savings Account
A CCFCU Money Market Share Savings account is a tiered dividend-bearing account that will typically pay you a higher dividend rate than our regular Share Savings account. Our Money Market Savings account does require a higher balance than our Share Savings account and is National Credit Union Share Insurance Fund (NCUSIF) insured and backed by full faith and credit of the United States Government the National Credit Union Administration.

Christmas Clubs
This account makes saving for the holidays easier. Club account balances will be transferred into your share / savings account the last week of October. Christmas Club accounts may only be opened from November to February.

Checking & MasterDebit Card
Share Draft Checking
A Share Draft (checking) Account is a special account offered only by credit unions. It works like an ordinary checking account, but has other valuable features:
NO sign up fee
NO minimum balance
NO per check charges
NO monthly service charge
Monthly statement
First 50 checks FREE with initial order
Duplicate copy checks
Telephone transfers from savings
ATM/Debit card access
Direct deposit
Payroll deduction
and more!
What will my account cost me?
Unlike ordinary checking, there is no monthly service charge and no minimum balance must be maintained. Checks are available at cost. Certain special services such as stop payment orders, microfilm copies, overdrafts, NSF etc are assessed accordingly per our fee schedule.
Our new MasterDebit card that replaces your checks.
Our CrossRoads Community FCU MasterDebit Card* offers a more convenient way to pay for your purchases. Use it instead of checks anywhere you see the debit MasterCard® logo. Plus, your CrossRoads Community  MasterDebit Card can be used at ATMs, providing the cash you need. Best of all, there's no annual fee - it's free for life!

CrossRoads Community FCU MasterDebit Card provides these great benefits:
Worldwide acceptance
at millions of businesses displaying the MasterCard® logo.
Easy to use for making purchases from your CrossRoads checking account-- just sign the receipt.
No more check writing hassles because you can make purchases from your CrossRoads checking account without showing ID or getting check approvals, even when you are out of town.
Pay from your checking account as MasterDebit Card purchases are automatically deducted from your checking account.
Shop with confidence with Zero Liability† and know you don't have to pay for unauthorized MasterCard® purchases.
Enjoy greater Internet shopping security with MasterCard® SecureCode™.
Registration is fast and easy!
Automatically pay your monthly bills from hundreds of local and national merchants.
Shop, dine and travel with your MasterDebit Card to buy groceries, clothes and gifts; to dine out with friends and even to pay  for vacation and travel expenses.

To enjoy greater Internet shopping security with your CrossRoads Community MasterDebit Card - you must first Register with MasterCard SecureCode™.
Registration is available by clicking here

Card Valet
Card Valet offers you greater security, better budgeting, more control for your CRCFCU Master Debit Card and it’s free for members!

Protect against misuse and fraud. You can turn your debit card off when you’re not using it. When your card is “off,” no withdrawals or purchases will be approved. Real-time alerts keep you informed when your card is used or declined.

Control spending by store.You can set spending limits for general use or specify by merchant types (e.g. gas, groceries, retail stores). The flexible app lets you change these parameters via your mobile device—simply set your transaction controls to fit your current spending needs.

Control spending by location. CardValet® can use your phone’s GPS to limit the geographic range where your card can be used. If the card is used outside of that range, transactions can be declined. Review balances and transactions. Use the CardValet® app to check your account balances and monitor your finances anytime, anywhere.

View and print the CardValet® Brochure. Download our Quick Reference Guide Here for easy-to-follow instructions on how to take advantage of Card Valet®!

CardValet is a registered trademark of Fiserv, Inc. or its affiliates.

Credit Sense
Credit Sense is a FREE service for credit union members enrolled in On-line Banking to help you understand and manage your credit rating.   Credit Sense gives you instant access to your credit profile through Net Branch or our mobile app.  With Credit Sense you can:
Review your latest credit score: its free and it is a soft pull so it won’t affect your score
Learn about key factors that have the greatest impact on credit scores
Find tips on improving your score
Take advantage of money saving offers based on your credit profile
Get FREE credit monitoring and credit alerts

All Purpose Loans
Your credit union offers a full range of loan services for qualified member applicants. Our goal is to offer the membership the lowest possible rate on loans while continuing to pay high dividends to our saving members. Finance charges are calculated on simple interest basis and both life and disability protection insurance may be available on loan request.
Loan purposes:
Personal loans
A signature loan (unsecured) for any good purpose
New and Used auto loans
Full range of attractive rates and terms available
Recreational loans
Campers, boats, motorcycles, motor homes
Home equity fixed rate loan
At a fixed rate up to 15 year terms
Home equity line of credit
Variable rate, 7 year draw period
Home mortgage loans / refinances
Are available at very competitive market rates
Secured loans
A low cost way to finance using your credit union share accounts as collateral
Fixed rate , no annual fee, 25 day grace period
Loan protection life insurance / disability insurance
Available on loan accounts at a nominal cost to members
Payroll deductions / automatic payments
Loan payments automatically made from your account

Teller Phone
Audio Response Menu

Special Services
In an effort to offer you additional financial services, your credit union also makes available:
Net Branch Online Banking
Complete Account Access with electronic statements.
Watch a demo on Online Banking by visiting our Resource Center.
24 Hour Banking
At ATMs nationwide
Payroll Deduction
The best and easiest way to save. Provided as a free service, payroll deduction is the way to budget your hard earned dollars.
ACH Direct Deposit
Any recurring government check, such as Social Security, Veterans, NYS Retirement, or your payroll check, can be directly deposited to any of your credit union accounts. Direct deposit eliminates the fear of lost or stolen checks.
Discount Tickets for Amusement Parks, Regal Cinemas and Dipson Theaters
Available to credit union members at a savings
Notary Public Service
Money Orders
Certified Checks
Used Car Price Guide
Telephone Transfers
Telephone Automatic Response Unit (ARU)
TellerPhone Banking 24 hours a day at: 716-332-4401 or 1-800-290-5801

Reorder Checks
To reorder your Credit Union checks directly from our check printer please click on the following link: MY CHECK REORDER
If you do not have your “ It’s Time to Reorder”  insert,  simply print, complete, and return the CCFCU CHECK REORDER FORM to the credit union

CCFCU's CheckFree Online Bill Pay
You shouldn't have to rely on a stack of sticky notes to remember when to pay your bills. With CrossRoads Community FCU's FREE Online Bill Pay you can receive convenient bill reminders and pay all your bills from one secure Web site. What could be easier than that? With our CheckFree Online Bill Pay, you can:
Pay any bill, anytime
Schedule one-time and recurring payments, days, weeks or months in advance.
Control when and how much you pay.
Be assured that your payments will arrive on time. We guarantee it!

Additional Bill Pay Benefits and Features
Overnight Check – your paper check payment delivered within one business day.*
Same-Day Bill Payment – electronic payments delivered on the same business day.*
Account 2 Account – transfers to/from the Credit Union from other financial institutions.*
Popmoney – allows you to send money to anyone, regardless of where they bank, using only their e-mail address or mobile phone number. For additional information see below:*

Plus you can track recent payments and view bill history all from one convenient screen, and your personal information remains protected and secure. Don’t let paying your bills get out of control. Enroll today.
*fee based service

Watch a demo on Online Bill Pay by clicking here

What is Popmoney?
Popmoney is an innovative personal payment service offered by CrossRoads Community FCU that eliminates the hassles of checks and cash. Now, sending and receiving money is as easy as emailing and texting. And you don't need a new account to send or receive money. Just use your CCFCU account.

How does Popmoney work?
Sending Money
To send money, log in to your online banking account and look for Popmoney.
Send money to anyone using their email address or account information.
You will be notified when the transaction is completed.

Receiving Money
When someone sends money to you, you will receive an email or text message.
If your financial institution offers Popmoney, you can log in to your account and direct the funds there. If your financial institution does not offer Popmoney, you can provide your account information at, and your money will be sent to that account.

If you do not provide your account information, the payment will be automatically returned to the sender's account.

Money sent directly to an account will be automatically deposited. No action is required by the recipient.

What can I use Popmoney for?
Popmoney is easy and convenient for you and the people you send money to. They can simply receive the money into their bank account online.
The following are just a few of the convenient ways that you can use Popmoney:
Send money to your child at college
Send a gift to family and friends
Reimburse friends for that fun outing
Pay your babysitter or your lawn care service
Pay rent to your landlord or roommates

Will my account information be shared with the recipient?
No, your account information will not be shared with the recipient. The recipient will only see your first name, last name, and the message you wrote for the payment. When you send a payment to an email address, the recipient will also see your email address. Similarly, you will not be able to see the recipient's account information.

Do I need to verify my email address and phone number?
Verification of your email address and phone number may be required for security reasons. Entering the correct verification codes ensures that you have access to your email and phone. You may also be asked to verify your mobile phone in the future to send and receive payments.
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CrossRoads Community FCU. MLO#538129