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Our Mission

We give straight answers and the best possible financial options.

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.

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 in a month will be subject to a $6 maintenance fee for that month
  • 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.

NOTE: Regulation D and Cornerstone Bank may 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
  • Accounts falling below $10,000 on any day in the month will be subject to a $25 maintenance fee for that month
  • Remote Deposit available upon approval
  • Online Bill Pay
  • Business Online Banking
  • Positive Pay available upon approval

*If you maintain a minimum balance of $10,000, the first 750 items are free and we may impose a 30¢ per items charge thereafter. If you do not maintain a minimum balance of $10,000, we may impose a 10¢ per item charge for the first 750 items and a 30¢ per item charge thereafter. This charge includes checks, ACH credits, miscellaneous debits, deposits, point-of-sale, ACH debits, and each deposited item. Note: Each item in a deposit is charged the per item fee.

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

Business Relationship Checking

  • Up to 750 items free* when minimum daily balance of $2,500 is mainained, you subscribe to electronic statements, and your business has at least two of the following products at Cornerstone Bank.
  1. Business online banking with Remote Deposit, ACH, or Bill Pay
  2. Merchant Card Services
  3. Business loan with auto-pay
  4. Savings account, CD, or additional checking account
  5. Business Credit Card
  6. Partnership Banking
  • Free debit card
  • $10 monthly maintanence fee when above criteria is not met

*30¢ per item fee 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 total 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 check/debit card
  • Business online banking available
  • Remote deposit available upon approval
  • Bill Pay available upon approval
  • Positive Pay available upon approval
  • $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
  • Free electronic statements

*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.

 

Cash Management Options:

Business Online Banking

  • Provides basic online banking access.
  • See real time account information.
  • View statements and images of checks online.
  • Access statements for up to 18 months.
  • 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 quickly and easily through your online banking portal.
  • Handle routine transactions in a cost effective and streamlined way.
    • Process payroll
    • Pay vendors
    • Collect rent (apartments, assisted living facilities, etc.)
    • Collect bills (utilities, daycare, etc.)
    • Accept church offering and other non-profit donations
    • And more
  • Rely on multiple layers of security to protect your information.
  • Enjoy full integration with Cornerstone Bank’s Business Online Banking system.

Video of ACH Manager

Remote Deposit

  • Deposit checks 24/7 without leaving your office by using your computer and a check scanner. Check images are sent electronically to the bank for processing.
  • Save time and money. Sending deposits electronically is efficient, reduces labor costs, and frees up staff for other tasks.
  • Access securely through Cornerstone Bank's online banking – no new passwords to remember.
  • Rely on state-of-the-art encryption when submitting deposits – safer than mailing deposits and may reduce the chance of fraud or theft.
  • Streamline cash flow to make your funds available faster.
  • Run reports and inquiries as needed with quick and intuitive search functions.

Video of Remote Deposit

Online Bill Pay

  • Pay your bills in minutes.
  • Pay people or businesses anywhere in the U.S.
  • Save the cost of checks, envelopes, and postage.
  • Schedule payments at your discretion.

Online Wires

  • Initiate domestic wire transfers without having to contact the bank.
  • Easily accessed through online banking portal.
  • Dual control for added security.

Positive Pay

  • Detect fraud immediately by monitoring unusual or unauthorized account activity.
  • Receive alerts on exception activity.
  • Make pay or return decisions through the online banking portal.
  • Monitor incoming ACH transactions based on rules written specifically for your activity.
  • Upload and/or resolve exceptions in just minutes.
  • Quickly identify reconciled and not reconciled items by using Items Search feature.
  • Access through online banking so there are no new logins to remember.

Video of Positive Pay

 

Credit:

  • Commercial Real Estate Loans
  • Commercial Lines of Credit
  • Commercial Term Loans
  • Ag Lines of Credit
  • Ag Term Loans
  • Ag Real Estate Loans
  • Construction Financing
  • Business Credit Card* - Click here to apply now.
    *Credit cards are subject to credit qualification; other limitations and exclusions may be applied by Cornerstone Bank partners, Elan, Visa, Mastercard and American Express.
  • Current Card Customer Support - Click here for Customer Support.
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Business Banking

Bismarck, Dickinson, Fargo, & Sioux Falls:

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 973-682-2652. Click here for debit card FAQ.

Makoti, New Town, Parshall, Plaza, & Watford City:

If your checks or debit card are lost or stolen, please report it immediately to Cornerstone Bank at New Town 701-627-4717, Watford City 701-444-6411, or Parshall 701-862-3131. To report a lost or stolen debit card after hours, please call 800-535-8440 and also report it to your local Cornerstone Bank. To activate your card, change your PIN or if you forgot your PIN, please call 866-985-2273. Click here for debit card FAQ.