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.
- 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.
One Bank, One Rate, One Statement, Multi-million-dollar protection
One Bank:
Work directly with Cornerstone Bank, but have access to multi-million-dollar FDIC insurance coverage on CD investments through other participating banks in the CDARS® and network. (Limits apply)
One Rate:
Earn one rate with our bank for each CD maturity and enjoy the option of reinvesting the funds through a simple process. (Rates may compare favorably to those of U.S. Treasuries.)
One Statement:
Cornerstone Bank will provide you with one easy-to-read statement summarizing all your CD holdings across the network.
What is the CDARS® network?
CDARS® is a special network of banks that provides you with access to multi-million-dollar FDIC insurance, by placing your funds into CDs issued by other participating banks in the CDARS® network.
How does it work?
You make your initial deposit with Cornerstone Bank, and we do the work of placing your money in CDs within the network.
Your money is placed in CDs in increments of less than the standard FDIC insurance maximum so that both the principal and interest are eligible for FDIC protection. As a result, you can receive coverage from many banks while working directly with your Cornerstone Banker!
Note: While early withdrawals are available, you will be required to pay a substantial penalty.
Benefits of CDARS
Please contact your local Cornerstone Bank for more details or if you have any questions.
What Is ICS®?
Through ICS, the Insured Cash Sweep® service, you can earn interest on funds placed into demand deposit accounts (using the ICS demand option), money market deposit accounts (using the ICS savings option), or both, and rest assured knowing that your ICS funds are eligible for multi-million-dollar FDIC insurance.
You can also enjoy unlimited program withdrawals (using the ICS demand option) or up to six program withdrawals per month (using the ICS savings option).
How Does ICS Work?
Our bank places funds for you using the ICS service, your deposit is sent from your Cornerstone Bank transaction account into deposit accounts at other ICS Network banks in amounts below the standard FDIC insurance maximum ($250,000). This makes your funds eligible for FDIC protection. As a result, you have access to FDIC insurance coverage from many institutions while working directly with your Cornerstone Banker.
What Else Do You Need to Know?
You receive one regular monthly statement from us showing your ICS balances and other key information. You can check your ICS balances and track other important information of interest to you online, 24/7, through a specially designed Depositor Control Panel. Your confidential information remains protected.
ICS can eliminate the ongoing tracking burdens associated with collateralization and the need to footnote uninsured deposits in financial statements if you are accustomed to these practices.
Benefits of ICS
Please contact your local Cornerstone Bank for more details or if you have any questions.
- 300 items free*
- No minimum balance requirement
- No monthly maintenance fee
- Free business 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.
- 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.
- 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.
- Business Online Banking
- Remote Deposit, ACH, Positive Pay, Online Wires, or Bill Pay
- Positive Pay
- Merchant Card Services
- Business Loan with auto-pay
- Savings Account, CD, or additional Checking Account
- Business Credit Card
- 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.
- 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.
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.
With Cornerstone Bank fraud monitoring, keeping your card safe is as easy as sending a text. With text fraud alerts, if our system detects suspicious activity on your card, you’ll receive a text message with details about the suspected transaction. All you have to do is respond to the text to confirm the transaction. If you indicate the transaction is fraud, you’ll receive another message with a number to call for follow-up. If not, you’re all set. The system will mark the transaction as legitimate and you can get on with your day – simple as that.

Purchasing has never been easier. Add your Cornerstone Bank Debit Card to your mobile wallet for safe and simple check-out!
- FAST: No more fumbling and forgetting your card – your mobile wallet is ready to use.
- CONVENIENT: Mobile wallet payments are accepted at a growing number of merchants, in apps and online.
- SECURE: Your card number is never exposed to merchants, keeping your transactions safe.
Get started today and use Apple Pay®, Google Pay™, Samsung Pay®, Fitbit Pay™ or Garmin Pay™ when you shop with your mobile phone, smartwatch or tablet, in-store or online.
Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.
No matter which card you choose, your business will benefit from important features like:
- Free online expense reporting tools.
- No fee for additional employee cards.
- Mobile payment capability for added convenience.
- Zero Fraud Liability.* You won't be liable for fraudulent purchases when your card is lost or stolen.
- Cardmember Service available 24 hours a day/365 days per year.
- Click here to apply now.
- Click here to log in to your Elan account.
*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.