Online Banking Login

Type of banking account
Enroll     |     Forgot Password     |     FAQ

Our Mission

We give straight answers and the best possible financial options.

Personal Banking - Checking, Savings, Credit & More

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 

  • Tiered rate of interest* compounded and credited monthly
  • ATM fees refunded** nationwide
  • No monthly maintenance fee
  • $10,000 minimum daily balance to earn APY
  • Five debits allowed per statement cycle - charges apply after the fifth debit***
  • Free electronic statements

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

**ATM fees 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.

Simply Easy Savings

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

*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
  • $1,000 minimum daily balance
  • Accounts falling below $1,000 on any day in a month will be subject to a $10 maintenance fee
  • 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 (Certificate of Deposit Account Registry Service®) & ICS (Insured Cash Sweep®)

Please contact your local Cornerstone Bank for details.

 

Checking Options:

Everyday Perks

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

CORE CHECKING BENEFITS INCLUDE:

  • $100 to open
  • No minium balance
  • No monthly maintenance fee
  • Free debit card upon approval
  • Free online banking, including bill pay and person-to-person payments
  • Free electronic statements
  • Free mobile banking for your phone and tablet
  • Free mobile deposit

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 refunded!* Qualifications include:

  • 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.

Interest Rewards

This checking option puts your money to work by earning interest in addition to enjoying the same core checking benefits as our Everyday Perks checking.

QUALIFYING ACCOUNTS RECEIVE THE FOLLOWING BENEFITS: 

  • $100 to open
  • No minimum balance
  • No monthly maintenance fees
  • Free debit card upon approval
  • Free online banking, including bill pay and person-to-person payments
  • Free electronic statements
  • Free mobile banking for your phone and tablet
  • Free mobile deposit
  • Interest* earned on balance in Interest Rewards account if qualifiers are met
  • ATM fees refunded at statement cycle
  • ¼% interest discount on new qualifying loans**
  • Free checks

TO QUALIFY, HAVE 2 OF THE FOLLOWING:

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

AND 2 OF THE FOLLOWING ACTIVITIES ON YOUR INTEREST REWARDS 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.

* The interest rate and Annual Percentage Yield (APY) may change after the account is open.
** Must qualify as to borrower and loan.
† Relationship balance consists of deposits, outstanding personal line of credit, or loan balance including the original loan amount of a first real estate mortgage sold on the secondary market that was opened at Cornerstone Bank since July 15, 2012.
‡ Does not include recurring debit card purchases or bill payment transactions.

 

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
  • 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!

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 branch locations

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

Watch our mobile banking video

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.

Watch our mobile deposit video

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: 

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.