Digital Banking - Community First Credit Union

4.8 out of 5 Star App Reviews

Manage your money with our digital tools & app.

Features & Benefits
FAQs

Digital banking puts your finances at your fingertips.

“We’ll Find a Way” is our promise to you and it includes giving you the best tools to manage your money. To deliver on this promise, digital banking provides an experience that's so smart, yet so simple to use. The important day-to-day tools you rely upon, plus many in-demand and innovative features to make managing your financial life even easier.

Enroll now

Bank anywhere, anytime 24/7.

Download Community First Digital Banking app today.

Giving you the best tools to manage your money, plus more!

Card Control & Alerts

Control your credit and debit card with self-serve options.

Advanced Security

Active defenses and strong encryption for data and messages.

Account Opening

Instant deposit account opening – anytime.

Financial Hub

Connect accounts inside and outside of Community First, plus make person-to-person payments.

Remote Check Deposits

Deposit one or multiple checks – quickly and easily.

Financial Wellness Tools

Credit report monitoring, budgeting, spending and goal setting.

Quick Balance Widget

Glance at your accounts without having to log in to the app.

Real-Time Alerts

Stay connected with your account activity and balances in the moment.

Scroll below for more innovative feature details to make managing your financial life even easier.

Financial Hub

Some call it account aggregation, we call it brilliant! You'll love this secure, at-a-glance place to see all of your financial accounts, even those from other institutions. By linking accounts, you’ll get a new perspective of your entire financial picture.

Quick Balance Widget

Quick Balance widget allows you look at-a-glance into your accounts from your mobile phone or tablet without having to log in to the app. The widget also is a quick link to log in if you want to get more transaction details, make a transfer or turn on or off your debit card.

Advanced Security

We take security seriously. Active defenses and strong encryption keep members and data safe. In addition to biometric logins, Google Authenticator™ adds another 2-step Authentication option for you to choose to protect your accounts against password theft.

Account Opening

Do you want to open a new savings account for an emergency fund, special occasion or trip? Digital banking gives you the option to self-serve – anytime! You’ll also enjoy instant deposit account openings for certificates of deposit too.

Digital and Person-to-Person Payments.

Digital Banking also includes BillPayer to manage and pay bills and PopMoney to make person-to-person (P2P) payments to anyone.

Due-date payments keeps your money until the day the bill is paid
Bill reminders help you remember when a bill is coming due
Send (or deliver) electronic versions of your bills directly to your account
Send and receive money from anyone using an email address or phone number

Credit Score Monitoring

Credit score monitoring via SavvyMoney lets you see your score on demand, get tips for improving your score and alerts when your credit score changes – all ways to help you protect and manage your credit. Now that’s an exciting member-benefit!

Budgeting & Spending

Money in. Money out. Seeing your actual numbers is the first step towards building strong budgeting and spending habits. Using the Cash Flow chart gives you a 30-day view of each account and provides a monthly overview.

Savings Goals

Whether you’re determined to save up for an emergency fund or go out and have some fun – you own your savings goals. This easy-to-use tool helps make your goals a reality. It’s financial wellness with no pain and all gain.

Remote Check Deposits

Use your mobile app for depositing checks remotely. Smart image capturing gets the job done – without even having to press your camera button. Also, a simple design makes depositing multiple checks a breeze.

Real-Time Alerts

In our fast-paced world, it’s comforting to be in the know – not tomorrow, or later – now. Real-time alerts connect you with your account activity and balances in the moment. Whether it’s to keep you in pace with your transactions or warn you of something suspicious, these alerts are a game-changer.

Card Controls & Alerts

You’re in control! With our digital banking card controls and alerts, you have self-serve options for your credit and debit cards all in one place. View transactions, set alerts, turn cards on or off, set travel notices, and more.

Budgeting & Spending

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Advanced Financial Wellness Tools

See all your financials in one place.

Account Aggregation
A big-picture view of your finances. Account Aggregation allows you to see account balances and activity from other financial institutions in your Dashboard.

Always know how your finances are doing.

Financial Health Checkup
Assess your spending, debt, credit and savings behaviors to create a financial wellness score. Gain insight with tips and suggestions to help improve your financial wellness.

Track & plan for future spending.

Spending Forecast
Ever wish for a way to see upcoming spending and bills? You’ve got it! This smart feature provides ongoing projected balances so you can ‘see into the future’.

Watch your spending at-a-glance.

Spending Analysis
This graphic view lets you see all of your spending categories. You can adjust the categories, edit transaction names and choose what accounts are included or not.

For more information about Community First’s Digital Banking.

Check Out FAQs Enroll now

You're invited to join Community First!

Join us to experience the credit union difference.

Become a member

FAQs

Digital Banking has a refreshed look.

In the Mobile App, Accounts and the Dashboard are now combine into a single scrolling view. There are no longer two tabs at the top of the screen for Accounts and Dashboard.

In the Mobile App and on the Desktop version, each account is displayed within individual tiles allowing for larger fonts and easier to read balances.

Additionally, badge alerts will now display for upcoming or past-due payments.

Digital banking user interface changes coming. Image of laptop and mobile phone. Accounts display in individual tiles. Badge alerts will display for upcoming or past-due payments. Mobile view combines account and dashboard elements, simply scroll down.

You've got questions. We've got answers.

Here's some questions you may have now. Come back anytime for the latest updates.

General Questions

Within Digital Banking, you'll find step-by-step 'how to' instructions. From a desktop you'll find FAQs under the three dots in the teal header. On mobile devices, FAQs are found within the three horizontal lines on the bottom of the screen.

Features & Benefits

What is the Personalized Dashboard?

The Personalized Dashboard is your personal home page in Digital Banking that lets you customize the order of your account listing, see an overview of your recent activity, set and watch your progress toward goals, get a snapshot of your spending, stay in touch with your credit score and more. Its fast and intuitive design makes it easy to use.

Can I use Google Authenticator™?

Yes. Part of our Advanced Security includes the option to use Google Authenticator™ as a multi-factor authentication option.

Will I be able to see my accounts that are not with Community First?

Yes! Connecting accounts you may have at other financials is easy to do and can make Community First’s Digital Banking your one-stop financial hub, allowing you to view transactions and transfer money between accounts.

What is Credit Score Monitoring?

Credit Score Monitoring, through SavvyMoney, will display your credit score, help you understand it, learn about things that impact it, and what you can do to strengthen it.

Can I control my credit and/or debit cards?

Yes! There's a variety of self-serve options for your credit and debit cards including the ability to turn your cards on and off, instantly.

Can I open a deposit account?

Yes! In just a few simple steps, you’ll be able to open a new savings or certificate of deposit to help you save, all within Digital Banking – anytime!

Can I deposit checks with my phone?

Yes! You can deposit checks! It's faster and easier than before and you can deposit multiple checks, saving you time.

Accounts & Alerts

For now, alerts sent to your mobile phone will come from a variety of phone numbers and area codes. This is expected. Soon, we expect all alert texts to be sent from a single number.

Please note that the alerts you receive will not ask you to reply in anyway. If you receive texts asking you to reply and claiming to be CFCU, do not take any action and contact us.

Digital Banking text alerts from Community First will come from: 52959.

For easy identification, you may wish to save this number by adding it to your contacts.

Please note that the alerts you receive will not ask you to reply in anyway. If you receive texts asking you to reply and claiming to be CFCU, do not take any action and contact us.

How do I sign up for e-Statements?

Login to Online Banking
Call 920.830.7200
Visit any Community First branch location

e-Statements FAQ

e-Statement Viewing and Printing

	View	Print
Desktop, Laptop, Tablet
Mobile Browser (URL)
Mobile App (Android/Apple)	X	X

Q. How do I save my e-Statement?

A. Your e-Statements are saved on our Online Banking Server, for your printing or viewing needs. However, if you need to save it outside of Online Banking, you can elect to save your statement by selecting one and click on the save option (icon) in the viewer.

Q. How will I know my statement is available?

A. You will be notified by email that your statement can be viewed in Online Banking. The notification will be sent to your email address on file, you can manage your email address in Online Banking.

Q. How do I print my e-Statement?

A. When viewing a statement, select Print from your browser to print.

Q. How do I download or save my e-Statement?

A. Your e-Statements are securely stored and can be accessed anytime. However, when viewing a statement, you may save or download it using the options (Save As or Export as PDF) under the File menu of your browser.

Q. Why can’t I see the statement(s) of my joint account?

A. As a joint owner, you are able to view all account activity and transfer funds to and from accounts where you have ownership. However, statements are only delivered to the primary account owner in Digital Banking or via mail if selected.

Q. When will my e-Statement be available?

A. E-statements are available in the first week following the end of the month. You will be notified by email when it is available.

Q. How long will my e-Statement be available online?

A. Your e-Statements will be available on Online Banking for the current year and previous two years. If you need a statement prior to that, please contact us by secure message in Online Banking, call us at 920-830-7200 or visit any branch.

Budgeting, Spending & Savings Goals

What is Budgeting & Spending?

Budgeting and Spending lets you see where your money is being spent by categorizing purchases automatically from your CFCU accounts, as well as accounts from other financial institutions you may connect. See categories like gas, groceries, travel, entertainment and more to help you monitor and manage your own spending habits.

What kind of information will I see about my spending?

Your transactions on your CFCU accounts and accounts from other financials that you connect will be automatically categorized based on the merchant type. You'll see general merchandise, entertainment, gas stations, restaurants/dining, groceries and more. You can modify the categories and what accounts are included. A Spending Analysis graph will help you see how your spending compares month to month.

Can I connect accounts from outside Community First?

Yes! You can connect accounts for ‘account aggregation’, which allows you to see a full financial picture of your balances in one place, with CFCU’s Digital Banking and our Financial Wellness tools. You will also be able to see individual transactions within those accounts.

How can the Financial Health Checkup tool help me manage my money better?

A Financial Health Checkup tool will assess your balances, borrowing, spending and savings to create a financial wellness score along with tips and suggestions to improve your financial wellness.

What are Savings Goals?

Savings Goals make it easy to track your savings progress. After you set a goal, you’ll be able to see your progress on your Dashboard. You can even set up regular transfers. You can have more than one goal active at the same time.

How do I set up a Savings Goal?

There are two steps for setting up your Savings Goal.
1.) Create your goal. Click ‘Create a Savings Goal’ in the displayed box (widget) on your Dashboard. Next:

Select the existing account where you will save and choose what you are saving for
Create a description for your goal
Set the balance goal you’d like to reach and your target date
Select the “Create Savings Goal” button. Your goal will now appear on your Dashboard

2.) Then, you have the option to set up transfers to help you reach your goal.

What is Cash Flow?

The cash flow widget provides a quick snapshot of the past 30 days of money in and out of your accounts. When you click on it, you’ll also be able to see a month-over-month view of all or any individual accounts you have with CFCU.

Credit Monitoring/SavvyMoney

Will accessing SavvyMoney Credit Score ‘ping’ my credit and potentially lower my credit score?

No. Credit Score Monitoring by SavvyMoney uses a 'soft inquiry', which does not affect your credit score. In contrast, lenders use ‘hard inquiries’ to make decisions when you apply for loans

What is Credit Score Monitoring by SavvyMoney?

Credit Score Monitoring helps you stay on top of your credit. You get your latest credit score and report and an understanding of key factors that impact your score. It also helps you keep an eye out for identity theft with daily monitoring and email notifications if there are any big changes detected, such as: a new account being opened, change in address or employment, a delinquency has been reported or an inquiry has been made. Credit Score Monitoring is powered by SavvyMoney.

Is there a fee?

No. Credit Score Monitoring by SavvyMoney is provided at no cost as a benefit of your member-ownership with Community First.

How often is my credit score updated?

Your credit score will be automatically updated each month. You may also click “refresh score” as frequently as every day from the Credit Score tile on the Digital Banking dashboard.

Do I have to sign up?

Yes, the initial score you’ll see is a National Average. Clicking on “See My Score” will enroll you to see your own credit score. After a few minutes, the score you see on your dashboard will update from the National Average to yours.

Is this the same credit score you use for lending decisions?

Not exactly, but it is very similar and good indicator of your overall credit health. There are three major credit-reporting bureaus - Equifax, Experian and Transunion - and two scoring models - FICO or VantageScore - that determine credit scores. They are similar in the results they provide. Credit Monitoring by SavvyMoney currently displays the VantageScore from Transunion. We use a similar score from another bureau along with many other considerations when it comes to lending.

Can I view my credit report in Credit Score Monitoring?

Yes, you can view your credit report. SavvyMoney will also provide guidance on what is helping and hurting your score, so you can make adjustments. If you see something that is wrong or inaccurate, you can even start the dispute process.

Can my joint account holder see their credit score too?

Credit Score Monitoring pulls credit score information based on the primary account holder – the person you are logged in as. If a joint owner would like to see their own score, logging into Digital Banking with their own login credentials will allow them to enroll.

Quick Balance

What is the Quick Balance widget?

The Quick Balance widget offers the convenience of being able to check your account balances without having to launch the full mobile app and log in.

Our Mobile App must be installed to use Quick Balance. Once the latest version of our app is installed, you can add what is called a widget to your mobile device. This will allow you to authenticate and choose the account(s) you want to be able to see the balance of at any time.

When the widget is setup:

You’ll see the nickname of the account, available balance and the date and timestamp the balance was last updated.
You’ll also be able to use the:
- Lock Card feature to keep usage control at your fingertips. (For deposit accounts with a card.)
- “Transfer” icon/link. Tapping on the transfer icon will launch the CFCU Mobile App. Once authenticated, you’ll be directed straight to the “Make a Transfer” feature

Once setup, the widget will continue to the show your account’s available balance. It will refresh the balance roughly every 15 minutes, but the balance and time stamp will only update if the available balance changed.

See the Quick Balance Setup FAQ for additional information, or contact us at 920-830-7200 for assistance.

How do I setup the Quick Balance widget on an Apple (iOS) device?

Download the latest CFCU Digital Banking app for Apple phones and tablets.

Step 1: Search Quick Balance Widget
Go to any screen with the device unlocked > long hold (hold down for a period of time) empty space to enable edit mode

In the upper left hand corner click the + symbol
Search for CFCU
Select CFCU from the list of results

Step 2: Add Quick Balance Widget
This will pull up and display the available CFCU widgets.

Tap Add Widget at the bottom of the screen. This will add the Widget to the screen. The widget can be dragged the preferred location on the screen.
Tap Done in the upper right hand corner to disable edit mode

Step 3: Sign Into User ID
Tap on the widget to launch the app and sign into their User ID for the account you want to add. Note: A security challenge may occur, but continue and complete the whole log in process.

Upon successful login, the Quick Balance Widget screen will say it was enrolled with a green check mark

Log out and return the widget to complete the setup.

Step 4: Select Accounts for Quick Balance
Now that the widget is authenticated, you will be instructed to hold down (long hold) on the widget.

Select Edit Widget, this will open the settings for the widget
Tap Choose, this will open a list of their account to choose from

Select the account to display as Quick Balance

Step 5: Adding Accounts and Stacking Accounts
Adding Accounts
To add accounts long hold to edit the widget and choose a different account.
You can also add more CFCU widgets and choose different accounts to view by completing Step 1 thru Step 4.

Stacking Accounts
To stack accounts long hold to edit. Stack by dragging the widget on top of another to create a stack.
This allows you to flip or scroll through the widgets, provides a great experience, and saves screen room by stacking multiple widgets for different accounts.

Once the Quick Balance Widget is setup, you can tap on the widget to launch the mobile app for a “quick link” experience.

Step 6: Additional Functions Available in Quick Balance
Transfer Funds
Tap on Transfer

This will launch the mobile app. You will need to authenticate, and then it will take you directly to the Transfer Screen.

Lock Card
If the account has a Card associated and Registered in Digital Banking for Card Controls, you will also have the a Lock Card icon as an option too.
Tap Lock Card

This will launch the mobile app. You will need to authenticate, then you’ll go directly to the account for that card’s Card Control screen.

For any additional assistance setting up your Quick Balance widget please contact us at 920-830-7200 or stop by any of our locations.

How do I setup the Quick Balance widget on an Android device?

Download the latest CFCU Digital Banking app for Android phones and tablets.

Step 1: Search Quick Balance Widget
Go to any screen with the device unlocked > long hold (hold down for a period of time) empty space to enable edit mode

At the bottom of that screen tap on Widgets icon

Now the search screen will show, search for CFCU, > Tap the widget labeled CFCU

The widget will now be added to your screen.

Step 2: Log In
The widget will show ‘Log In’.

Tap Log In on the widget, it will launch the CFCU Mobile App. Complete the log in process.

Once authenticated, you’ll see the confirmation screen showing the Quick Balance Widget on the enrolled device.

You can now close the app and return to the screen where you placed your Widget to complete setup.

Step 3: Choose Accounts
The widget will now read "Choose Account".

Tap Choose Account - The widget will take a few seconds to pull in the list of accounts
Tap Account to display in Quick Balance
The widget will then display the selected account balance

Note: Currently Android allows editing of the widget to add multiple accounts under one widget. You can add the CFCU widget multiple times to show the Quick Balance for multiple accounts by repeating the above steps.

Additional Android notes:

You cannot edit the widget, once an account is selected. To change accounts, add more widgets, then delete/remove the widgets as needed.
Currently, you cannot stack multiple widget into a group, each one needs its own location.
Locking/unlocking a card is supported by a link to the Mobile App.

Step 4: Additional Features of the Quick Balance Widget
Transfer Funds
Tap on Transfer

This will launch the mobile app where you can authenticate your account and then go directly to the Transfer Screen.
Lock Card
If the account has a Card associated and Registered in Digital Banking for Card Controls, you will also have the a Lock Card icon.
Tap Lock Card

This will launch the mobile app where you can authenticate your account and then go directly to the Card Control screen for that account.

For any additional assistance setting up your Quick Balance widget please contact us at 920-830-7200 or stop by any of our locations.

Do all your banking from your smartphone.

Our app includes all the services of our Digital Banking suite with the added handiness of fitting in your palm or pocket. Plus, you can securely deposit checks directly into your account with the app and your phone’s camera.

Download our mobile app today.

For more information about Community First’s Digital Banking.

Discover Features & Benefits Enroll now

​ 4.8 out of 5 Star App Reviews

Manage your money with our digital tools & app.

Digital banking puts your finances at your fingertips.

Bank anywhere, anytime 24/7.

Download Community First Digital Banking app today.

Giving you the best tools to manage your money, plus more!

Scroll below for more innovative feature details to make managing your financial life even easier.

Financial Hub

Quick Balance Widget

Advanced Security

Account Opening

Digital and Person-to-Person Payments.

Credit Score Monitoring

Budgeting & Spending

Savings Goals

Remote Check Deposits

Real-Time Alerts

Card Controls & Alerts

Budgeting & Spending

Advanced Financial Wellness Tools

See all your financials in one place.

Always know how your finances are doing.

Track & plan for future spending.

Watch your spending at-a-glance.

For more information about Community First’s Digital Banking.

You're invited to join Community First!

Join us to experience the credit union difference.

Digital Banking has a refreshed look.

You've got questions. We've got answers.

Here's some questions you may have now. Come back anytime for the latest updates.

General Questions

Within Digital Banking, you'll find step-by-step 'how to' instructions. From a desktop you'll find FAQs under the three dots in the teal header. On mobile devices, FAQs are found within the three horizontal lines on the bottom of the screen.

Features & Benefits

Accounts & Alerts

e-Statement Viewing and Printing

Q. How do I save my e-Statement?

Q. How do I print my e-Statement?

Q. How do I download or save my e-Statement?

Q. Why can’t I see the statement(s) of my joint account?

Q. When will my e-Statement be available?

Q. How long will my e-Statement be available online?

Budgeting, Spending & Savings Goals

Credit Monitoring/SavvyMoney

Quick Balance

Do all your banking from your smartphone.

Our app includes all the services of our Digital Banking suite with the added handiness of fitting in your palm or pocket. Plus, you can securely deposit checks directly into your account with the app and your phone’s camera.

Download our mobile app today.

4.8 out of 5 Star App Reviews