Online Banking

MemberDirect® Online Banking

Our MemberDirect® Online Banking provides you with 24/7 online access to your accounts, allowing you to take care of your financial transactions - both personal and business - at your convenience.

Use MemberDirect Online Banking 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

Want to sign up? Call us at 1.855.875.2255 or visit your branch.

Signed up now and don't know where to start? Here's a User Guide to help you use Online Banking.

Here are more features included in Online Banking

INTERAC e-Transfer Expand/Collapse

Transferring money can 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. Click for more information.

Lock’N’Block® Expand/Collapse

Lock'N'Block® is a service that lets you "lock" your Interac Flash debit card to "block" unauthorized or unwanted use. 

•     Lock your debit card
•     Block ATM transactions
•     Block purchases and refunds
•     Block all international transactions

...24/7 all through online banking, mobile app or mobile web!

To access Lock'N'Block® through online banking

•       Log in to online banking
•       Click Account Services > Lock'N'Block®

To access Lock'N'Block® through your mobile app

•       Log in to your mobile app
•       Tap the Lock'N'Block® icon

To access Lock'N'Block® through mobile web

•       Log in to mobile web
•       Tap the Lock'N'Block® icon

Watch the step-by-step video here or check out the user guide!

Direct Alerts for Online Banking Expand/Collapse

Guard against account fraud! Alerts will let you know when important changes have been made to your information in Online 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 Online Banking.
  • You are locked out of Online 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 Online 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.
  7. Click Submit You’re all set!
Type of Alert How the alert works
Online login Alerts you every time your account has been logged in to.
Password changed Alerts you if you or someone else has changed your password.
Account Locked - Security Questions Alerts that your account is locked after you, or some unauthorized person, have tried unsuccessfully to log in to your account three times. Contact us to have your online banking account unlocked.
New bill payment vendor account added Alerts you know if a new bill payment vendor has been added to your account.
Balance Alert Notifies you of your available or current balances. Set up daily, weekly alerts.
Low Balance This alert notifies you if your available or current balance falls below the threshold you have set.
INTERAC® e-Transfer recipient added Alerts you when an INTERAC e-Transfer recipient has been added to your account.
A withdrawal exceeds threshold Alerts you if a withdrawal exceeds a threshold you have set. (ATM, POS, bill payment)
Scheduled payment/transfer reminder Notifies you of an upcoming scheduled payment/transfer is due 5, 3 and one day before.

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?

Direct Alerts make it easy to keep track of any changes that occur with Online Banking – for example, if you sign up to receive an alert if your Online Banking account is logged into, you will receive a text or email if the Online Banking system detects that change. If you receive an alert but did not perform a change in Online Banking, this may be a sign of fraudulent activity. Contact us immediately and we can address your concerns and take appropriate action.

2. What are the fees for using 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.

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 – we will never ask you to provide personal information over email or text.

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.

What happens if I change my mobile device number?

Sign into Online Banking and edit your Alerts Contact information to include your new mobile number.

NOTE: 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.

I want to add or change my email address?

Sign into Online Banking and edit your Alerts Contact information to include or change the email address.

NOTE: 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.

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 set up at a time.

What happens if I lose my mobile device?

Contact your service provider to suspend your service. Then, sign in to Online Banking to deactivate the alerts being sent to your device.


Text for Balance Expand/Collapse

When you can't access Wi-Fi for online banking or simply want to know your account balances, let your fingers fly to get the information you're looking for with Text for Balance.

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.

Ready to sign up?

  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 66639. 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 66639. 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 66639. 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.

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

ACCOUNTPLUS® Expand/Collapse

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

The current ACCOUNTPLUS™ partners are:

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

Important Disclaimers

e-Statements Expand/Collapse

Less Paper. Less Clutter. More Planet.

Did you know your monthly statement is available electronically with e-Statements?

e-Statements look the same as your paper statement, but offer more value and convenience.  Here are the benefits – besides saving a tree:

  • Instant access to your statement through Online Banking – no more searching for paper or waiting for it arrive in the mail.
  • View and print as required.
  • Archives your past statements and stores in a secure location.
  • e-Statements are FREE!


Go paperless in seconds!

Discontinue receiving your paper statement by following these simple steps:

  • Log in to MemberDirect® Online Banking
  • Choose My Accounts > Statement Preferences
  • Enter your email address
  • Confirm your address


It’s that easy!  You can then view your statements online 24/7 through Online Banking.

E-Documents Expand/Collapse

We’re here to make things easier for you. Cornerstone has added a feature to your MemberDirect Online Banking – E-Documents. Here you can access your electronic statement AND your RSP, T5, T4RSP, T4RIF, NR4E or NR4D documents all through your online banking. For free! Anytime you want.

If you happen to lose one of these important documents you can request one from us anytime for no fee.

Haven’t signed up for E-Statements yet? Make the switch! Contact your Cornerstone advisor today.


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