e-Services
Connect with your money anytime, anywhere!
Online Banking
Easy access to your account 24/7/365!
Online Banking lets you manage your account in a safe, secure online environment anytime of the day or night. No matter where you are or what device you want to use, you can:
- view balances and transactions, download transaction histories, and tag transactions for enhanced organization of your finances
- set up alerts for balances, transactions, login notifications, and more
- view and print e-Statements, e-Notices, and tax documents
- access debit and credit card controls
- transfer funds, including member-to-member transfers and person-to-person payments
- easily make or schedule loan payments
- use our free Online BillPay service
- order checks and deposit checks remotely by taking a picture
- securely message the credit union
- create budgets and a picture of your overall financial health with new money management tools
- and more!
After signing up for Online Banking, you can register for e-Statements and Online BillPay.
Enroll online or contact the credit union to begin using Cutting Edge Online Banking.
Digital Banking FAQs
Mobile Banking
Life is mobile. So are we.
Cutting Edge Mobile Banking allows you to check balances, view transaction history, transfer funds, make deposits, pay loans, access card controls, or securely message the credit union on the go! Securely access your accounts on your mobile device using biometric authentication or your private Online Banking credentials. It’s easy and it’s free. Members must be enrolled in Online Banking to use the Cutting Edge Mobile Banking app.
Download our mobile app today!
Download from the Apple Store Download from Google Play Digital Banking FAQs
Online BillPay
You’ve got better things to do with your time than to pay bills.
Our free Online BillPay system is an easy, convenient, secure way to pay your bills! Schedule recurring payments to ensure you always pay your bills on time. Have access to your payment history for all your bills in one convenient place. Pay any bill, any time of day or night with just a click!
Log into Online Banking to get started.
To speak with an Online BillPay specialist, please call: 866-784-2661
e-Statements
Get your statements and account notices delivered securely inside Online Banking.
e-Statements are electronic versions of your Cutting Edge account statements and notices that you can view, save and print through Online Banking or the Mobile Banking app. It’s a more secure way for you to receive your monthly statement, you’ll receive it sooner than you would through the mail, it’s better for the environment than paper statements and notices, and it saves your cooperative money on mailing which means the whole membership profits!
Please be aware that when you sign up for e-Statements, your monthly Visa® statement and other important account notices will be all be electronic versions as well. Your Visa statement will be included with your monthly statement.
To enroll, log in to Online Banking and select an account. Navigate to “Settings,” and change your “Documents” enrollment status.
Mobile Deposit
Deposit checks directly into your account with your mobile device!
Cutting Edge Mobile Deposit lets you deposit checks anywhere, anytime using our mobile app by taking a picture of the check. It’s secure, easy, and best of all – free!
Contact the credit union to activate Mobile Deposit today. To ensure timely processing, endorse the back of each check by signing your name and writing “For Mobile Deposit Only to CEFCU.”
Digital Wallet
Your wallet…without the wallet.
Carry your Cutting Edge debit and credit card information in a secure digital wallet on your phone. Make purchases using your digital wallet instead of using your physical card—in participating stores and online!
Enjoy peace of mind knowing you can securely shop without worrying about a physical card. Since your card number is encrypted digitally, your card number is not stored on your device. Plus, merchants don’t see your card number when you make a digital payment.
Add your Cutting Edge debit and credit cards to Apple Pay, Google Pay and Samsung Pay and give it a try.
Telephone Banking
Bank by phone, day or night!
Cutting Edge iTalk Teller Telephone Banking is a free service that gives you 24-hour access to your accounts to check balances, make transfers, loan payments, and more! All you need is your member number and to set up an access code. All account activity is detailed on your monthly statement and can be reviewed by phone or online.
To access Telephone Banking, call 888-794-0052 and follow the prompts.
To report a lost or stolen Cutting Edge Debit or Credit Card, or contact Cardholder Services, call 866-541-2710.
To report fraud on a Cutting Edge Debit or Credit card, call 888-918-7313 (within the US) or 727-299-2449 (outside of US).
Cutting Edge Insights Tools
Digital tools to help you organize and manage your finances.
Cutting Edge Insights is a digital personal financial management resource to help organize, track, and manage your finances all in one place!
Adding other external accounts for a complete financial picture is simple. Cutting Edge Insights will then track your account relationships with almost all financial institutions automatically, including credit card providers and investment firms. Then use Cutting Edge Insights to track spending, set budgets, calculate your net worth, and more.
Easily create budgets, and start tagging your transactions to categorize your purchases to see where and how you spend your money. By tracking your spending habits, you will start seeing how you reach a spending target so you can make smarter choices about how you spend.
The interactive Cash Flow calendar brings your budget to life! When you create your cash flow calendar, you can see how much money you typically have available at different times throughout the month to pay bills and other expenses…allowing you to make informed choices on when to schedule bills and other spending.
Visually tracking your progress can help you take control and make reaching your goals much quicker and more easily! Use Cutting Edge Insights to create savings goals, like saving for a vacation – or a debt reduction goals, like paying off a high rate credit card. The Goals tool asks for a date by which you want to accomplish the goal, and keeps track of your progress automatically.
Stay informed with account alerts by email or text. With Cutting Edge Insights, you really are in control. Be alerted when an account balance changes significantly, transactions to a specific retailer occur, when you are close to exceeding a spending category, and more!
Build wealth and watch it grow through the Net Worth tool. No need to keep manually updating a spreadsheet…Cutting Edge Insights help you quickly add up all your assets and debts to show you an up-to-date estimate of your net worth.
Insights Quick Start Guide Insights FAQs
CREDIT INSIGHTS
Get credit smart and score more!
Cutting Edge Credit Insights gives you 24/7 access to your credit score and report, tools to track and manage your credit health, and much more!
Simply log into Online Banking and look for Credit Insights on your dashboard. Once you enroll, you’ll gain smart insights into your credit score and credit profile, including:
- Debt analysis – keep tabs on open loan balances and monthly payments, and even calculate your debt-to-income ratio
- Change alerts – receive notifications when your credit score or report changes
- Credit score – view your credit score* at any time and track how your score changes over time
- Credit score simulator – see how your score may be impacted by certain actions such as taking out a new auto loan or getting a new credit card**
- Credit education – learn about man aging your credit score, keeping it in good standing, and what factors make up your credit score
Enroll today through Online Banking to access Credit Insights.
Credit Insights FAQs*The credit score provided is based on the VantageScore® 3.0 model using data from Experian®. There are various types of credit score models, and Cutting Edge Credit Union and other lenders may use a different type of credit score model to assess your creditworthiness. **Credit Score Simulator is hypothetical and is meant for educational purposes only. No simulated results of any changes are guaranteed. Simulating these changes will not affect your actual credit score or report. Members must be enrolled in Online Banking, and must enroll and authorize use of Credit Insights, in order to use Cutting Edge Credit Insights.
This credit union is federally insured by the National Credit Union Administration
Equal Housing Lender - We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act.