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:

Cornerstone Savings 

  • Tiered rate of interest* compounded and credited monthly
  • ATM fees refunded** nationwide
  • No monthly maintenance fee
  • Free electronic statements
  • $100 minimum to open (see minimum daily balance noted below)
  • $10,000 minimum daily balance required to earn APY
  • 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.

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

***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.

Simply Easy Savings

  • Interest* compounded and credited quarterly
  • Free electronic statements
  • $100 minimum to open (see minimum daily balance noted below)
  • $200 minimum daily balance required
  • 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**

*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 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
  • $100 minimum to open (see minimum daily balance noted below)
  • $1,000 minimum daily balance required
  • 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**

*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.

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:

  • No minimum 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
  • $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 refunded!* Qualifications include:

  • Receive electronic statements
  • Log in to online or mobile banking during the statement cycle
  • 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: 

  • 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 for your phone and tablet
  • Free mobile deposit
  • Interest* earned on balance in Interest Rewards account is higher if qualifiers are met
  • ATM fees nationwide refunded at the end of each statement cycle
  • ¼% interest discount on new qualifying personal loans/lines**
  • Free checks
  • $100 minimum to open

TO QUALIFY FOR THE BENEFITS OF THE INTEREST REWARDS CHECKING ACCOUNT, SIMPLY 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 AT LEAST 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 earn a lower interest rate; however, 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. It also includes the original loan amount of a first real estate mortgage sold on the secondary market that was opened at Cornerstone Bank in the past 5 years.
‡ Does not include recurring debit card purchases or bill payment transactions.

 

Gold Checking Account

For our 50+ Customers
  • No minimum balance
  • No monthly maintenance fee
  • Interest* compounded and credited monthly
  • Free debit card
  • Free cashier’s checks
  • Free basic Cornerstone Bank checks
  • Free imaged statements available
  • ATM fees refunded** nationwide
  • 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
  • $100 minimum to open
*The interest rate and Annual Percentage Yield (APY) may change after the account is open.
**ATM fees automatically refunded at statement cycle.

 

Debit Cards

Debit MasterCard is a payment card that is linked to your checking or savings account and accepted worldwide. 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.

 

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 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!

Watch our online banking video

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.

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 bank 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 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.

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 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 devivered 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

 

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.