Business Banking & Ag Banking

• 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  
• $100 minimum to open (see minimum daily balance noted below)
• $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.

Please contact your local Cornerstone Bank for details.

• 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
• $100 minimum to open

*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
• $100 minimum to open (see minimum daily balance noted below)
• 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.

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 maintenance fee when above criteria is not met
• $100 minimum to open (see minimum daily balance noted above)

*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
• $100 minimum to open

*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 and accepted worldwide. It combines all the functionality of an ATM card with the added convenience of having your purchases deducted from your business checking account.

• Click here for debit card FAQs for Bismarck, Dickinson, Fargo, Sioux Falls.
• Click here for debit card FAQs for Makoti, New Town, Parshall, Plaza, Watford City.

• Provides basic online banking access.
• See real time account information.
• View statements and images of checks online.
• Access statements for up to 33 months.
• Transfer funds online.

• 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, such as:
  • 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.

• 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.

• 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.

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

• 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.