Personal Banking - Checking, Savings, Credit & More

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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.

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Savings options:

Simply Easy Savings

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

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

Money Market Savings

  • Variable tiered rate of interest* compounded and credited monthly
  • Free electronic statements
  • $1,000 minimum to open
  • $1,000 minimum daily balance required
  • Accounts falling below $1,000 on any day in a month will be subject to a $10 monthly maintenance fee
  • Five debits allowed per month** (Charges apply after the fifth debit)

*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 limit certain types of withdrawals and transfers from a savings account. Please refer to the account agreement and related terms for details.

Cornerstone Savings 

  • Tiered rate of interest*
  • Interest compounded and credited monthly
  • ATM fees nationwide refunded**
  • No monthly maintenance fee
  • Free electronic statements
  • $10,000 minimum to open
  • $10,000 minimum daily balance required to earn APY
  • Five debits allowed per month*** (Charges apply after the fifth debit)

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

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

***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®) 

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

  • Access to multi-million-dollar FDIC insurance

  • Avoid the hassle of opening accounts at different banks

  • Saves you time and money

  • Safe and Secure

  • ​Convenient 

Please contact your local Cornerstone Bank for more details or if you have any questions.

ICS (Insured Cash Sweep®)

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

  • Access to multi-million-dollar FDIC insurance

  • Avoid the hassle of opening accounts at different banks

  • Saves you time and money

  • Safe and Secure

  • ​Convenient 

Please contact your local Cornerstone Bank for more details or if you have any questions.

 

 

Checking Options:

Interest Rewards

This checking option puts your money to work by earning interest. Qualifying accounts enjoy the following benefits.

CORE CHECKING BENEFITS: 

  • No minimum balance required
  • No monthly maintenance fees
  • Free debit card upon approval
  • Free online banking, bill pay and person-to-person payments
  • Free electronic statements
  • Free mobile banking from your smart phone and tablet
  • $100 minimum to open

REWARDS BENEFITS: 

  • Higher interest* earned on balance in Interest Rewards account if qualifiers are met
  • ATM fees nationwide refunded at statement cycle***
  • ¼% interest discount on new qualifying personal loans/lines**
  • Free Cornerstone Bank checks

TO QUALIFY, HAVE TWO OR MORE OF THE FOLLOWING:

  • At least 12 debit card purchases or payments per statement cycle
  • Electronic statements
  • Minimum daily balance of $20,000 in Cornerstone relationships†

AND USE TWO OR MORE OF THE FOLLOWING SERVICES WITH THIS ACCOUNT EACH STATEMENT CYCLE:

  • Direct deposit into the account (ACH Credit)
  • Automatic transfer to or from another Cornerstone Bank account (loan or deposit)
  • Automatic withdrawal for a recurring payment (ACH Debit)‡
  • Cornerstone Bank online bill pay transaction

If your account does not qualify for these rewards during any statement cycle, you will still earn .05% APY*; however, your ATM fees will not be refunded.

NOTE: Free imaged statements available upon request.

* The interest rate and Annual Percentage Yield (APY) may change after the account is open.
** Borrower and loan type must qualify.
***ATM fees nationwide automatically refunded at statement cycle.
† Relationship balance consists of deposits, outstanding personal line of credit, or loan balance including original loan amount of a first real estate mortgage sold on the secondary market that was opened at Cornerstone Bank in the past five years.
‡ Does not include recurring debit card purchases or bill payment transactions.

Gold Checking Account

For our customers age 50+. Qualifying accounts enjoy the following benefits.
 
CORE CHECKING BENEFITS: 
  • No minimum balance required
  • No monthly maintenance fees
  • Free debit card upon approval
  • Free online banking, bill pay and person-to-person payments
  • Free electronic statements
  • Free mobile banking from your smart phone and tablet
  • $100 minimum to open
GOLD CHECKING BENEFITS: 
  • Interest* compounded and credited monthly
  • ATM fees nationwide refunded at statement cycle**
  • Free cashier’s checks
  • Free Cornerstone Bank checks

NOTE: Free imaged statements available upon request.

*The interest rate and Annual Percentage Yield (APY) may change after the account is open.
**ATM fees nationwide automatically refunded at statement cycle.

Everyday Perks

This option lives up to its name — it provides perks for everyday use.

CORE CHECKING BENEFITS: 
  • No minimum balance required
  • No monthly maintenance fees
  • Free debit card upon approval
  • Free online banking, bill pay and person-to-person payments
  • Free electronic statements
  • Free mobile banking from your smart phone and tablet
  • $100 minimum to open

PAPER-FREE

If you’re ready to go paper-free and meet the following qualifications each statement cycle, you’ll receive the additional benefit of having your ATM Fees nationwide refunded!*

  • Receive electronic statements
  • Log in to online or mobile banking
  • Have at least 10 debit card transactions

*ATM fees automatically refunded at statement cycle if the three qualifications above are met.

Debit Cards

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

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Digital Wallet

​Purchasing has never been easier. Add your Cornerstone Bank Debit Mastercard® 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.   

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Credit Cards:

 

Visa® Platinum Card

Benefits:

*Credit cards are subject to credit qualification; other limitations and exclusions may be applied by Cornerstone Bank partners, Elan, Visa, Mastercard and American Express.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

 

Cash Rewards American Express® Card

Benefits:

*Credit cards are subject to credit qualification; other limitations and exclusions may be applied by Cornerstone Bank partners, Elan, Visa, Mastercard and American Express.

2 Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.

3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.

4 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

 

Visa® Real Rewards Card

Benefits:

  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)5
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards
  • 2,500 bonus rewards points awarded after first purchase3
  • Click here to apply now.
  • Click here to log in to your Elan account.

*Credit cards are subject to credit qualification; other limitations and exclusions may be applied by Cornerstone Bank partners, Elan, Visa, Mastercard and American Express.

3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.

5 Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

 

Premier Rewards American Express® Card

Benefits:

  • Earn 4 points for every $1 spent on eligible net restaurant purchases6
  • Earn 3 points for every $1 spent on eligible net airline purchases
  • Earn 2 points for every $1 spent on eligible net gas purchases
  • Earn 1 point for every $1 spent on all other eligible net purchases
  • Plus, earn 10,000 one-time bonus rewards after you spend $1,000 in the first 3 months3.
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards4
  • Reimbursement for either Global Entry or TSA PreCheck®7
  • Click here to apply now.
  • Click here to log in to your Elan account.

*Credit cards are subject to credit qualification; other limitations and exclusions may be applied by Cornerstone Bank partners, Elan, Visa, Mastercard and American Express.

3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.

4 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

6 Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.

7Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

 

Visa® College Real Rewards Card

Benefits:

  • Earn 1.5 points monthly for every dollar you spend on eligible net purchases.5
  • No cap or limit on the points you can earn, plus you have five years to redeem points for rewards4
  • 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings.
  • Click here to apply now.
  • Click here to log in to your Elan account.

*Credit cards are subject to credit qualification; other limitations and exclusions may be applied by Cornerstone Bank partners, Elan, Visa, Mastercard and American Express.

3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.

4 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

5 Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

 

Visa® Secured Card

Benefits:

  • Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. If you need to improve or re-establish your credit history8, here's a great way to begin that process.
  • Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account.
  • Click here to apply now.
  • Click here to log in to your Elan account.

*Credit cards are subject to credit qualification; other limitations and exclusions may be applied by Cornerstone Bank partners, Elan, Visa, Mastercard and American Express.

8Late payments and going over the credit limit may damage your credit history.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

 

 

 

Credit:

  • Overdraft Protection
  • Consumer Loans
  • Home Equity Loans
  • Home Equity Lines of Credit
  • Unsecured Lines of Credit

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 bank locations
  • View copies of checks that have cleared
  • View account history for the last 33 months
  • Transfer funds between accounts
  • Send person to person payments
  • Sign up for electronic statements
  • Set-up alerts for balances, transfers, maturing CDs, loan/line payments

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!

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Mobile Banking

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

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

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

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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 bank locations

Click here for Mobile Deposit FAQ.

Click here for Mobile Deposit instructions.

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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 bank locations

To sign up for Text Banking follow these steps:

  1. Sign in to 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.

SecureAlerts 

SecureAlerts can let you know the moment something important happens in your account. Alerts you choose to receive are sent via email, text*, or push notifications to your smartphone with our Mobile Banking app.

With SecureAlerts you’ll always know exactly what’s happening with your money, and you can watch for suspicious activity in real-time. It’s a free service for our customers.* Below are just some of the many alerts you have to choose from.

  • Daily balanaces
  • Deposits and withdrawals
  • Certificates of deposit
  • Debit card transaction
  • Loan payments
  • And so much more!

*Message and data rates may apply

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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

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POP Money

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!

  • Easily schedule and pay monthly bills.
  • Save money on postage and checks.
  • Safely make on-demand payments.
  • Enjoy the convenience of accessing POP Money from your phone, tablet or computer.

Three ways to send POP Money:

  • Use a recipients account and routing number to directly deposit money.
  • Use their e-mail to send instructions for them to direct the payment to their account.
  • Or use their mobile number to text message instructions to direct the payment to their account. (Message and data rates may apply.)

POP Money is free when using standard payment processing. The minimum POP Money payment is $5.

Electronic Statements

Enjoy peace of mind knowing your statements are securely delivered to your email along with the added convenience of being clutter free!

  • Available 24/7 online.
  • You can print a hard copy, if needed.

To sign up for eStatements follow these steps:

  1. Sign in to Online Banking.
  2. At the top right of the page, click Profile.
  3. Next to Electronic Statements, click Edit.
  4. Under the eStatement column, check the box next to each account that you want to enroll in eStatements.

Convenient, Easy, and Free!

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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.
 

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