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

  • $200 Minimum to open
  • $200 Minimum daily balance³
  • Interest¹ compounded and credited quarterly
  • Five debits allowed per statement cycle² (Charges apply after the fifth debit)
  • $6 monthly maintenance fee for accounts falling below $200 on any day of the statement cycle³
  • $2 paper statement fee charged quarterly

Included with every Cornerstone Bank Savings Account

  • ATM Card (upon approval)
  • Online Banking
  • Bill Pay
  • eStatements
  • Mobile Banking app
  • Mobile Deposit
  • Account Alerts

1. Interest rate and Annual Percentage Yield (APY) may change after the account is open. Fees may reduce earnings on the account.
2. 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.
3. No maintenance fee or minimum balance required for account owners 21 years of age and under.

Money Market Savings

  • $1,000 minimum to open
  • $1,000 minimum daily balance
  • Tiered rate of interest¹ compounded and credited monthly
  • Five debits allowed per statement cycle² (Charges apply after the fifth debit)
  • $10 monthly maintenance fee on accounts falling below $1,000 any day of the statement cycle
  • $2 paper statement fee charged monthly

Included with every Cornerstone Bank Savings Account

  • ATM Card (upon approval)
  • Online Banking
  • Bill Pay
  • eStatements
  • Mobile Banking app
  • Mobile Deposit
  • Account Alerts

1. Interest rate and Annual Percentage Yield (APY) may change after the account is open. Fees may reduce earnings on the account.
2. 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.
​3. No maintenance fee or minimum balance required for account owners 21 years of age and under.

Cornerstone Savings 

  • $10,000 minimum to open
  • $10,000 minimum daily balance to earn APY
  • Tiered rate of interest¹ compounded and credited monthly
  • Five debits allowed per statement cycle² (Chareges apply after the fifth debit)
  • $10 monthly maintenance fee on accounts falling below $10,000 any day of the statement cycle
  • $2 paper statement fee charged monthly

Included with every Cornerstone Bank Savings Account

  • ATM Card (upon approval)
  • Online Banking
  • Bill Pay
  • eStatements
  • Mobile Banking app
  • Mobile Deposit
  • Account Alerts

1. Interest rate and Annual Percentage Yield (APY) may change after the account is open. Fees may reduce earnings on the account.
2. 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.
​3. No maintenance fee or minimum balance required for account owners 21 years of age and under.

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

  • $100 minimum to open
  • No minimum daily balance
  • No monthly maintenance fee

Rewards Benefits

  • Higher interest¹ earned on balances in Interest Rewards Account if qualifiers are met
  • ATM fees refunded nationwide at statement cycle
  • ¼% interest rate discount on new qulaifying loans² 

Account Qualifiers
Have 2 or more of the following:

  • 12 or more debit card transactions per statement cycle
  • Electronic statements
  • Min. daily balance of $20,000 in Cornerstone Bank relationships³

AND use two of the following services each statement cycle:

  • Direct deposit into your account
  • Cornerstone Bank online bill pay transaction
  • Automatic transfer to or from another Cornerstone
  • Bank account (loan or deposit)
  • Automatic withdrawal for recurring payment⁴

1. Interest rate and Annual Percentage Yield (APY) may change after the account is open.
2. Borrower and loan type must qualify.
3. Relationship balance consists of deposits, outstanding personal lines of credit, or loan balance including the original loan amount of a real estate mortgage sold on the secondary market that was opened at Cornerstone Bank in the last five years.
4. Does not include recurring debit card purchases or bill pay transactions.
6. Nationwide out-of-network ATM and surcharge fees refunded up to $12 per statement cycle.

Gold Checking Account

For our customers age 50+. Qualifying accounts enjoy the following benefits.
 
Core Checking Benefits
  • $100 minimum to open
  • No minimum daily balance
  • No monthly maintenance fee

Gold Benefits

  • Interest* compounded and credited monthly
  • ATM fees refunded nationwide**
  • Free Cashier’s checks
  • Free Cornerstone Bank checks

*Interest rate and Annual Percentage Yield (APY) may change after the account is open.
**Nationwide out-of-network ATM and surcharge fees refunded up to $12 per statement cycle.

Everyday Perks

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

Core Checking Benefits

  • $100 minimum to open
  • No minimum daily balance
  • No monthly maintenance fee*

Paper Free Perks
Meet the following qualifications each statement cycle and you’ll receive an additonal benefit of having your nationwide ATM fees refunded.**

  • 10 or more debit card transactions per statement cycle
  • Electronic Statements
  • Log in to online or mobile banking

*No monthly service charge if enrolled in eStatements, otherwise $2.
**Nationwide out-of-network ATM and surcharge fees refunded up to $12 per statement cycle.

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:

Consumer Credit Cards

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

No matter which card you choose, you'll enjoy important features like:

  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
  • Mobile purchasing capability for added convenience.
  • Zero Fraud Liability.* You won't be liable for fraudulent purchases when your credit card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
  • Plus much more!
  • 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. 

 

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

Click here to see a PDF of how to set up alerts through the Cornerstone Bank Mobile App.

*Message and data rates may apply

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SecureCard

SecureCard by Cornerstone Bank is a mobile phone app integrated with our convenient mobile banking app. It allows you to take control of your debit card with the following features:

  • Turning your debit card "on" and "off" 
  • Monitoring your debit card transactions
  • Setting spending preferences and limits
  • Managing debit card alerts
  • And so much more!

With SecureCard you'll always know exactly what's happening with your money, and you can watch for suspicious activity. It's a free service for our customers.

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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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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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