Business Banking & Ag Banking

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At Cornerstone Bank, we do banking differently – your way. We design solutions that match your banking needs, so that you can reach your goals. Click here to see our Business Banking Team.

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Savings Options:

Business Money Market Savings

  • Interest* compounded and credited monthly based on the following tiers:
    • $.01 to $9,999.99
    • $10,000.00 to $99,999.99
    • $100,000.00 to $999,997.99
    • $999,998.00 and over  
  • $200 minimum daily balance
  • Accounts falling below $200 on any day will be subject to a $6 monthly maintenance fee
  • Five debits allowed per statement cycle - charges apply after the fifth debit**

*The interest rate and Annual Percentage Yield (APY) may change after the account is open. Fees may reduce the earnings on the account.

**Regulation D and Cornerstone Bank limit certain types of withdrawals and transfers from a savings account. Please refer to the Account Agreement and related terms for details.

CDARS (Certificate of Deposit Account Registry Service®) &
ICS (Insured Cash Sweep®)

Please contact your local Cornerstone Bank for details.

 

Checking Options:

Simply Easy Business Checking

  • 300 items free*
  • No minimum balance requirement
  • No monthly maintenance fee
  • Free business check/debit card
  • Business online banking available
  • Remote deposit available upon approval
  • Bill Pay available upon approval
  • Positive Pay
  • Free electronic statements

*30¢ per item fee charged for items over 300. Items charged the per-item fee include: checks, ACH credits, miscellaneous debits, ACH debits, deposits, point-of-sale. Note: Each item in a total deposit is charged the per item fee.

Business Plus Checking

  • 750 items free*
  • Interest compounded and credited monthly
  • Free electronic statements
  • Remote Deposit available upon approval
  • Online Bill Pay
  • Business Online Banking
  • Positive Pay available upon approval
  • Accounts falling below $10,000 on any day will be subject to a $25 monthly maintenance fee

*If you maintain a minimum balance of $10,000, the first 750 items are free and a 30¢ per item fee will be charged for items over 750. If you do not maintain a minimum balance of $10,000, a 10¢ per item fee will be charged for the first 750 items and a 30¢ per item fee will be charged for items over 750. Items charged the per-item fee include: checks, ACH credits, misc. debits, ACH debits, deposits, POS. Note: Each item in a deposit is charged the per item fee.

Business Relationship Checking

  • Up to 750 items free* when minimum daily balance of $2,500 is maintained, you enroll in electronic statements, and your business has at least two of the following products at Cornerstone Bank.
  1. Business Online Banking
  2. Remote Deposit, ACH, Positive Pay, Online Wires, or Bill Pay
  3. Positive Pay
  4. Merchant Card Services
  5. Business Loan with auto-pay
  6. Savings Account, CD, or additional Checking Account
  7. Business Credit Card
  8. Partnership Banking
  • Free debit card
  • $10 monthly maintenance fee when above criteria is not met

*30¢ per item fee will be charged for items over 750. Items charged the per-item fee include: checks, ACH credits, misc. debits, ACH debits, deposits, POS. Note: Each item in a deposit is charged the per item fee.

Business Analyzed Checking

  • No minimum balance required
  • Earnings credit calculated for each monthly statement cycle. Earnings credit rate subject to change.
  • Free business debit card
  • Business online banking available
  • Remote deposit available upon approval
  • Bill Pay available upon approval
  • Positive Pay available upon approval
  • Free electronic statements
  • $10 monthly maintenance fee may be offset by earnings credit
  • Per item fee* of 08¢/item for electronic debit and credits and 12¢ for manual debits and credits

*Items charged the per item fee include checks, ACH credits, debits, misc. debits, ACH debits, deposits, POS. Note: Each item in a deposit is charged the per item fee.

Debit Cards

Business Debit MasterCard is a payment card that is linked to your business checking or savings account. It combines all the functionality of an ATM card with the added convenience of having your purchases deducted from your business checking account.

 

Cash Management Options:

Business Online Banking

  • Secure single point of access for banking and cash management services.
  • Customize user rights as needed, granting access to only the information required for each authorized employee.
  • Rely on multiple levels of security to protect information.
  • See real time account information.
  • View statements and images of checks online.
  • Transfer funds online.

Video of Business Online Banking

Automated Clearing House (ACH) Manager

  • Move and collect funds electronically to and from individuals, businesses, and other financial institutions.
    • Process payroll
    • Pay Vendors
    • Collect rents (apartments, assisted living, etc.)
    • Process reoccurring non-profit donations
  • Decrease payment-processing time and increase cash flow.
  • Initiate, verify, and delete transactions.
  • Reduce check fraud.

Video of ACH Manager

Remote Deposit

  • Deposit checks 24/7 without leaving your office by using your computer and a check scanner, saving time and money.
  • Rely on state-of-the-art encryption when submitting deposits, reducing the chance of fraud or theft associated with mailing deposits.
  • Streamline cash flow for faster funds availability.
  • Run reports and inquiries as needed with quick and intuitive search functions.

Video of Remote Deposit

Positive Pay

  • Detect fraud and monitor activity on ACH items and checks presented on your account with custom settings for your business.
  • Make pay or return decisions through the online banking portal.
  • Upload and/or resolve exceptions in just minutes.
  • Quickly identify reconciled and unreconciled items by using the Search feature.

Video of Positive Pay

Online Bill Pay

  • Pay your bills in minutes.
  • Pay people or businesses anywhere in the United States.
  • Save the cost of checks, envelopes, and postage.
  • Schedule payment at your discretion.
  • Quickly identify reconciled and unreconciled items by using the Search feature.

Online Wire Transfers

  • Initiate domestic wire transfers without having to directly contact the bank.
  • Access securely through Cornerstone's Business Online Banking.
  • Dual control for added security.

Electronic Data Interchange (EDI)

  • Automatically seach FedACH® transactions for valuable ACH information.
  • Receive EDI reports to help you match ACH payments to documentation such as invoices, payroll records, or open health care claims.
  • Receive automated email notifications on your daily transaction reports.
  • Receive information via encrypted email service.

 

Credit:

  • Business/Ag Real Estate Loans
  • Business/Ag Lines of Credit
  • Business/Ag Term Loans
  • Letters of Credit
  • Construction Financing
  • Business Credit Card*
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Business Banking

Meet Our Team

 

Lost or stolen card or checks?

If your checks or debit card are lost or stolen, please report it immediately to Cornerstone Bank at 701-364-9630 or 888-297-2100. To report a lost or stolen debit card after hours, please call 800-472-3272. To activate or change your PIN, please call 800-992-3808. If you have MasterCard questions while traveling, please call 877-253-8964. If you have questions about your MasterCard benefits, please call 1-800-MASTERCARD (1-800-627-8372). Click here for debit card FAQ.
 

Need to re-order checks?