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We understand you may have a number of questions of how we are currently handling the COVID-19 Pandemic at Cornerstone.  Below you will find frequently asked questions to help you navigate your way through our current business operations.  We will continue to update the FAQ’s throughout this pandemic.


  1. What are your temporary business hours?
    Transit Road
    Monday – Friday
    8:00 – 5:00 p.m.
    Drive-thru transactions only
    Loan applications accepted Online or Loans by Phone
    By appointment only in-person meetingsStevens Street, North Tonawanda, Witmer, and Middleport
    Monday – Friday
    9:00 – 5:00 p.m.
    Drive-thru transactions only

    Online Banking, Mobile Banking and Telephone Banking
    Visit to access your accounts 24/7 through Online Banking
    Snap Deposit is available for depositing checks
    Online Banking for transfers
    Apply online for your borrowing needs
    Card Valet is available to help protect you from fraudulent activities on your Visa account

  2. Why are your branch lobbies closed?
    As the World Health Organization continues to provide updates regarding the COVID-19, we are taking all necessary precautions for the safety of our employees and members. Branch lobby closures is a response to the confirmed cases in our surrounding counties and is just another example of how we are attempting to limit person to person interactions and help minimize the spread of the virus.
  1. Was there an Employee infected?
    Based on the confirmed cases in Erie and Niagara County, we have chosen to close our branch lobbies to protect our members and employees from COVID-19. Regardless of the pandemic, we would never comment on the health of members, potential members or employees.
  1. Will other branches follow/will you take more extreme measures?
    These are unprecedented times and although we have scenario planning in place the situation remains fluid and it is difficult for us to determine exactly which measures will be taken. Rest assured whatever safety measures we put in place we recognize we play a critical role in our Members’ lives and are committed to delivering services so they can go on managing their financial lives through the pandemic.
  1. How will I do my banking?
    Cornerstone offers many convenient ways for you to manage your accounts and conduct all your banking needs. Members can visit our drive-thru, use a surcharge-free ATM, use our online banking or mobile app or contact us by phone.
  1. What if I have a loan in process?
    If you have a loan in process, a representative will be reaching out or you can contact your branch representative directly for an update on the status of your request and next steps.
  1. What if I need to open an account or loan?
    Simply contact your branch representative directly or call (716)434-2290 to get started and we will walk you through your options.
    New Members can become a member online by visiting
    You can apply via Loans by Phone or apply online. For Consumer Loans and Credit Cards call (716)434-2290 ext. 1211.  For Real Estate call (716)434-2290 ext. 7020.
  1. Is Cornerstone prepared for this?
    Each year our staff proactively goes through pandemic training and is well prepared for situations such as this. We have a dedicated team monitoring the situation and advising and assisting employees on implementing the necessary precautions.
  1. For Updates
    Cornerstone will keep our Members informed primarily through e-mail, our Facebook page, our website, and local news stations.
  1. Is my money safe?
    Yes, your money is safe. Cornerstone is also well-positioned financially and our financial strength is not significantly impacted by recent market fluctuations.  In addition, we are federally insured by the National Credit Union Association (NCUA).Federally insured credit unions offer a safe place for credit union members to save money. All deposits at federally insured credit unions are protected by the National Credit Union Share Insurance Fund, with deposits insured up to at least $250,000 per individual depositor. Credit union members have never lost a penny of insured savings at a federally insured credit union. Additional information on NCUA share insurance coverage for consumers is available at
  1. I received a call and e-mail asking for account information and they claimed they were Cornerstone.
    Unfortunately, criminals may attempt to exploit this scenario for their own personal gain. We remind Members to remain vigilant and refer to best practices regarding protecting their personal information as outlined on our website.