Cornerstone Bank - Rediscover personalized banking

Online Banking

 

Frequently Asked Questions

LOST/STOLEN DEBIT CARD/CHECKBOOK: 

If your checks are lost or stolen report immediately to Cornerstone Bank at 701-364-9630.

Reporting a Lost or Stolen debit card/ATM card:
Please call:

888-297-2100 during regular banking hours.

800-472-3272 for MasterCard. after hours

HOW DO I ENROLL IN MOBILE BANKING?

Click on User Options and scroll down to Mobile Banking Profile.    Click on Manage Devices.  If you are not enrolled, this will state Enrollment Status: Not Enrolled and you have the option to Enroll Now.  When you choose Enroll Now, you will be taken to the Terms and Conditions to accept.   You will then be directed to the Mobile Banking Main Menu to walk through the set up of your Mobile Banking using text, app, or mobile browser. 

SIGNING IN TO ONLINE BANKING:

Why is my New Access ID being denied?

It may be denied for a couple reasons.  Your Access ID is case sensitive and must be at least 6 characters with no required numeric or alpha. The Access ID may already exist for another online banking client. 

Can I change my Access ID that I use at login?

If you wish to change your Access ID, please contact the bank.

How often are you required to change your password and why?

You are required to change your password every 3 months, for security purposes.

How do I get my account unlocked?

Please contact our Customer Service Team at 701-364-9630.

What if I forget my password?

Click on the Forgot Password link on the home screen or on the Forgot Your Password link where you would typically input your password.    It will ask for your Access ID and then send you an e-mail to the address you originally set up.     If there isn’t an e-mail on file for you, please call the bank so that we can reset your password.

How do I change my password?

Select User Options at the top of the screen and scroll down to the section titled, Change Password.    Click on Edit and follow the instructions to change your password.

How do I change my security questions?

Select User Options at the top of the screen and scroll down to the section titled, Security Data.    Click on Edit and follow the instructions through the drop downs to change your security questions.

How do I update my email address?

Select User Options at the top of the screen and scroll down to the section titled, E-Mail.   Click on Edit and enter your new address twice to confirm it.

Why is my Account deactivated?

After 90 days of no activity your online account will deactivate.  You will need to re-enroll as a new user.

What is the authentication image used for?

We use a layered security system and the image is used for your protection.  You should look for this image each time you log in to make sure you are at the correct site.

VIEWING ACCOUNTS/IMAGES

Why can I not view an account?

You are only able to view accounts that you are an authorized signer for.    If you believe that you are an authorized signer for an account you are unable to view, please contact Customer Service for assistance.

How do I view images?

To view an image of a check or deposit, click on transactions, current statement or previous statement and then click on any hyperlink.  The front and back of all checks/deposits in the statement will be displayed.  This service is free!

Can I view an image of Current Business Day Transactions?

Since these transactions will not post to your account until the nightly update, you can not view the image until the following business day.

How far back may I view images?

You may view images on your most recent previous and current statements. 

How do I add a nickname to my accounts?

Using nicknames can make it easier to manage your accounts.   All you do is click on User Options, then scroll down to the section titled Account Nicknames.    From there, click on the Edit button.   Just select the account you would like to add a nickname to and type the nickname in the box on the right hand side.

BILL PAY/TRANSFERS:

How do I log in to bill pay?

Once you have logged in, choose an account from the list of accounts. Click on Pay Bills on the left side of the screen. 

What is the difference between express transfer and a scheduled transfer?

An express transfer will take place immediately and a scheduled transfer will take place on with the nightly update of the date it is scheduled to begin. The express transfer will be reflected in presentments and memo ledger balance immediately. 

A scheduled transfer is intended for recurring type transfers.  If you would like to delete a scheduled transfer, please contact the bank.

Can transfers be established to occur in the future or on a reoccurring basis?

Yes, this can be done by clicking on Transfers, and then New Scheduled Transfer.   You can select the frequency that transfer will be made – on-demand, weekly, bi-weekly, twice monthly, monthly, bi-monthly, quarterly, semi-annually and annually.

What is the cut-off time to schedule an online transfer?

The cut-off time is 6:00 pm Central Standard Time (CST).   Transfers scheduled after that time will be processed the following business day.

How do you choose which transfer to use?

Express transfer – Shows transaction immediately

Scheduled transfer – Shows transaction the following day (after nightly update)

What happens if I have scheduled a payment that falls on a weekend or a holiday?

The transaction will occur on the next business day after the weekend or holiday.

Can I make a loan payment?

Yes.   You can use the transfer option to move funds from your checking or savings account to make a regular, principal, interest, or escrow payment.

If you make a regular loan payment, it will reduce your automatic payment amount.

VIEWING STATEMENTS:

How do I view previous statements?

You can view the past 6 months of statements by clicking:  List of Accounts, Account and Document.  Enter in Account, Document Type and Date Range.  Then click on submit.

How do I enroll for electronic statements?

Click on User Options in the upper right corner.  Scroll down the screen to the “EStatement Enrollment” for a list of accounts available for enrollment.  Then just click on Enroll.  

What is the fee for electronic statements?

There is no fee to receive electronic statements!   

How will I know when my electronic statements are ready?

We will notify you that your electronic statements are ready for viewing at the e-mail address you provide when you enroll.

Can I switch back to paper statements?

Yes, you simply need to stop in the bank or give us a call, and we can reactivate them for you.    If you are a Rewards Checking customer, please remember that this is one of the simple qualifiers.

Why is an account not available for electronic statement enrollment?

You are allowed to enroll for electronic statements if you are listed as the first name on an account. 

SECURITY:

Is Cornerstone Internet Banking secure?

Yes.  We use advanced technology to ensure your information stays safe and secure.    Only you have the access to your accounts with your Access ID and password.   We strongly suggest you do not share your ID or password, PIN or account numbers with anyone.

One additional way that we help you keep Internet Banking secure is by having you change your password every 90 days.

How can I increase my own security when using internet banking?

Here are a few ideas:

  • Make your password strong by using capital and lower case letters, numbers, and symbols.
  • Change your password often.
  • Install anti-virus and anti-malware software on your computer.
  • Ensure that up to date anti-virus and anti-malware software programs are being used on your computer.
  • Never share any personal information, especially social security numbers, account numbers, logins or passwords, especially via e-mail.
  • Memorize your ID and password so that you don’t have it written down.
  • When you are finished using online banking, always choose to “Log Out”.
  • Never provide your user name or password to anyone calling you and asking for it, even if they identify themselves as being from the bank.