Online Banking

MDSB Member Direct Small Business Expand/Collapse

MemberDirect® Small Business

MemberDirect Small Business (MDSB) is designed for agricultural, association, business and community service members. We provide your business with secure online access that allows business owners to maintain their own flexible administrative controls. With MDSB, you can conveniently manage your accounts anytime, anywhere.

Check out MDSB feature and benefits, and how it compares to personal Online Banking here.

You can also view our MDSB user guide here.


If you’d like to sign up for MDSB, we can help with that!

  • Email us
  • Call us at 1.855.875.2255 or
  • Stop by any of our branches


Member Direct Expand/Collapse

You can use MemberDirect 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

If you already have signed up for Member Direct CLICK HERE to login. If you need assistance or are logging in for the first time, call 1-855-875-2255 and one of our Contact Centre representatives will be happy to assist you.

AccountPlus Expand/Collapse

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


The current ACCOUNTPLUS ™ partners are:

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

For a complete tutorial on how to use the benefits on AccountPlus click here.

Important Disclaimers

Alerts for Online Banking Expand/Collapse

Guard against account fraud! Cornerstone Credit Union Alerts will let you know when important changes have been made to your information in Internet 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 Internet Banking.
  • You are locked out of internet 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 Cornerstone Credit Union Internet 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. Click Submit
  7. You’re all set!

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?
    Cornerstone Credit Union Direct Alerts make it easy to keep track of any changes that occur with Internet Banking – for example, if you sign up to receive an alert if your internet banking account is logged into you will receive a text or email if the Internet Banking system detects that change. If you receive an alert but did not perform a change in Internet Banking, this may be a sign of fraudulent activity. Contact your credit union immediately and we can address your concerns and take appropriate action.
  2. What are the fees for using Cornerstone Credit Union 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.
  3. 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 – Cornerstone Credit Union will never ask you to provide personal information over email or text.
  4. 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.
  5. What happens if I change my mobile device number?
    Sign into Internet Banking and edit your Alerts Contact information to include your new mobile number.
    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. 
  6. I want to add or change my email address?
    Sign into Internet Banking and edit your Alerts Contact information to include or change the email address.
    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.
  7. 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 setup at a time.
  8. What happens if I lose my mobile device?
    Contact your service provider to suspend your service. Then, sign in to Cornerstone Credit Union Internet Banking to deactivate the alerts being sent to your device.

eStatements Expand/Collapse

Less Paper. Less Clutter. More Planet.

Did you know your monthly statement is available electronically with eStatements?

eStatments look the same as your paper statement, but offer more value and convenience.  eStatements are available through MemberDirect online banking.


  • Provide instant access to all your account information.  And you get it faster as you don't have to wait for your statement to arrive in the mail.
  • Electronically archives previous monthly statements and stores them in a secure location.
  • Allows you to view and print statement information as required.
  • Cheque images can be viewed directly from your eStatement.
  • eStatements are safe and secure.
  • eStatements are an easy way to cut down on paper usage to help protect the environment.
  • eStatements are FREE!

If you are not currently signed up for online banking or want to cancel your paper statement, please contact Cornerstone Credit Union today!

Interac e-Transfer Expand/Collapse

Introducing INTERAC e-Transfer

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 - Internet 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 Cornerstone Credit Union Internet 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 INTERACe-Transfer service, it’s no problem! They can still receive their funds by following the link to Interac’sInterac Association’s site, at which time you will be asked to create or log into your existingaccount with Interac Association.
  8. Once logged in, InteracAssociation will proceed to deposit the transfer into your 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. It is free to receive e-Transfers (*Regular transaction fee's apply).


  1. What is Acxsys Corporation? 
  2. How long does it take to send and receive anINTERAC e-Transfer?  
  3. I sent a transfer but provided an incorrect e-mail address for the recipient. What should I do? 
  4. How do I readdress and resend an INTERAC e-Transfer?
  5. How do I cancel and deposit the transfer amount back into my account?
  6. Does the recipient get a reminder to deposit their INTERAC e-Transfer?
  7. What is a security question?What are the guidelines for the security answer? 
  8. What happens when an INTERAC e-Transfercannot be received?
  9. I keep getting an error message when sending or receiving an INTERAC e-Transfer?


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.

2. 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.

3. 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.

4. 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

5. 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.

6. Does the recipient get a reminder to deposit theirINTERAC 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.

7. 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.

8. 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.

9. 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 Internet 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 institutionscan be found here (

Trade-mark of Interac Inc. Usedunder license.

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 HERE to find out more!

Text for Balance Expand/Collapse

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.

Check account balances and recent account activity information from anywhere you can get a signal-instantly. You'll get the account information you want, when you need it. There's no need to find a computer to check your account balance. And, have peace of mind with the ability to instantly check what activity has taken place with your account.

Ready to sign up?

Getting started with Text For Balance is easy. All you need is access to online banking. Don't have online banking access? Contact us today: 1-855-875-2255

If you're already on online banking user:

  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 . 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 . 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 . 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.

Check out our to see for yourself.

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


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