Personal Banking

Left Column: 

When you want to save, spend, or borrow, we give you access to our experts – people who know how to find the best answer to meet your needs. Click here to see our Personal Banking Team.

Savings options:

Cornerstone Savings 

  • $10,000 minimum daily balance to earn APY
  • Interest* compounded and credited monthly
  • Tiered rate of interest
  • ATM fee refunds** nationwide
  • Five debits allowed per statement cycle - charges apply after the fifth debit
  • Free electronic statements

*Cornerstone Bank may change the interest rate and APY at any time after the account is open.

**ATM fees are refunded if the minimum balance requirement is met. Available on personal accounts only.

Simply Easy Savings

  • $200 minimum daily balance
  • Interest compounded and credited quarterly*
  • Accounts falling below $200 on any day in a month will be subject to a $6 maintenance fee
  • Five debits allowed per statement cycle - charges apply after the fifth debit
  • No minimum balance or maintenance fee for account holders under age 18
  • Free electronic statements

*Cornerstone Bank may change the interest rate and APY at any time after the account is open. Fees may reduce the earnings on the account.

Money Market Savings

  • $1,000 minimum daily balance
  • Interest compounded and credited monthly
  • Tiered rate of interest*
  • Accounts falling below $1,000 on any day in a month will be subject to a $10 maintenance fee for that month
  • Five debits allowed per statement cycle - charges apply after the fifth debit**
  • Free electronic statements

*Cornerstone Bank may change the interest rate and APY at any time after the account is open. Fees may reduce the earnings on the account.

**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 / Cash Sweep

Please contact your local Cornerstone Bank for details.

 

Checking Options:

Simply Free Checking

  • No minium balance
  • No monthly maintenance fee
  • Free debit card upon approval
  • $100 to open
  • Free electronic statements

NOW Checking

  • $2,500 minimum daily balance to earn APY*
  • No monthly maintenance fee
  • Variable tiered rate of interest compounded and credited monthly
  • ATM fees refunded** nationwide
  • $2,500 to open
  • Free electronic statements

*Cornerstone Bank may change the interest rate and APY at any time after the account is open. Fees may reduce the earnings on the account.

**ATM fees are refunded if the minimum balance is met. Available on personal accounts only.

Gold Checking

For our 50+ customers

  • No minimum balance
  • Interest* compounded and credited monthly
  • Free debit card
  • Free cashier's checks
  • Free basic Cornerstone Bank checks
  • ATM fees refunded** nationwide
  • $100 to open
  • Free electronic statements

*Cornerstone Bank may change the interest rate and APY at any time after the account is open.

**ATM fees are refunded. Available on personal accounts only.

Cornerstone Checking

  • $400 minimum daily balance
  • Accounts falling below $400 on any day in a month will be subject to a $5 maintenance fee
  • Free electronic statements

 

Credit:

  • Overdraft Protection
  • Consumer Loans
  • Home Equity Loans
  • Home Equity Lines of Credit
  • Unsecured Lines of Credit
  • Consumer Credit Cards* - 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.

Other Services:

Online Banking

Online banking provides access to your account information 24/7. It’s convenient, saves you time, and provides you peace of mind when you’re wondering about your account. Plus, it’s secure and easy to use!

  • Check balances
  • Review account activity
  • Find ATM and branch locations
  • View copies of checks that have cleared
  • View account history for the last 18 months
  • Transfer funds between accounts
  • View alerts for balances, transfers, and maturing CDs

Click here to sign up. Have handy your account number and the personal information that you provided when you opened the account. Fill in the required information and then you’re ready to enjoy the many conveniences of Cornerstone Online Banking!

Click here to see a demo.

Mobile Banking

Cornerstone Mobile Banking allows you to do the following from your smart phone.

  • Check balances
  • Deposit checks
  • Send/Receive money with POP Money
  • Transfer money between accounts
  • Review account activity
  • Find ATM and branch locations

Sign up for Mobile Banking with your Cornerstone Online Banking. Choose between the downloadable app, mobile browser, or text banking.

Click here for a Mobile Banking Demo.

Mobile Deposit

Save a trip to the bank and make deposits on your Apple or Android phone. To use Mobile Deposit, enroll in Mobile Banking through our Online Banking. Mobile Banking saves you time and money, and is extremely convenient! In addition, it’s secure, easy to use, and is available at no cost! Mobile Banking also provides the following capabilities.

  • Check balances
  • Deposit checks
  • Send/Receive money with POP Money
  • Transfer money between accounts
  • Review account activity
  • Find ATM and branch locations

Click here for Mobile Deposit FAQ.

Click here for Mobile Deposit instructions.

Click here for a Mobile Deposit Demo.

Text Banking 

If you use a mobile device without apps, we recommend that you use Text Banking. Text Banking lets you easily do the following over your phone.

  • Check balances
  • Review account activity
  • Find ATM and branch locations

To sign up for Text Banking follow these steps:

  1. Sign in to your Online Banking.
  2. Click Profile at the top right of the page.
  3. Click Manage Devices next to Mobile Banking.
  4. Click add new device.
  5. Follow the prompts through an easy set up process.

Bill Pay

Bill pay is offered free to you when you sign up for Online Banking! Bill pay is a great money and time saving tool.

  • Schedule monthly payments on bills
  • Make payments on demand
  • Save money on postage and checks

POP Money

POP Money is offered to you when you sign up for Online Banking! POP Money enables you to send money quickly to another person directly from your Cornerstone account. All you need is a name and email address or phone number from the person you are paying and you are able to email or text them the funds. It is quick, efficient, and secure!

To use POP Money, just log-in to your Cornerstone Online Banking and go to the Bill Pay feature – either on your mobile app or online!

  • Schedule monthly payments on bills
  • Make payments on demand
  • Save money on postage and checks
  • Use your phone or tablet

With POP Money, you can send money three ways.

  • Account Information - By using the recipient's account and routing number, the money will be deposited directly into their account.
  • E-mail Address - The person you’re sending the money to will receive an e-mail with instructions on how to direct the payment to their account.
  • Mobile Number - The person you pay will receive a text message directing them to provide payment information. Remember, message and data rates may apply.

Sign up for POP Money through Online Banking. You will see POP Money is one of the tabs when you sign in to Bill Pay. Then, just follow the prompts.

POP Money is free to Cornerstone Bank Online Banking customers when standard payment processing is chosen. The minimum payment allowed through POP Money is $5.

Electronic Statements

Enjoy the feeling of a being clutter free and sign up for electronic statements!

  • The eStatement is the exact one you receive in the mail
  • Receive via email or view anytime online
  • If you need a hard copy you can still print

To sign up for eStatements follow these steps:

  1. Sign in to your Online Banking.
  2. Click Profile at the top right of the page.
  3. Click Edit next to Electronic Statements.
  4. Check the box of each account under the eStatement column.

Convenient, Easy, and Free!

 

Right Column: 

Fargo, Bismarck, Dickinson, and Sioux Falls Customers:

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.

New Town, Parshall, Watford City, Plaza, and Makoti Customers:

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 then report it to your local Cornerstone Bank as well.