Personal Services
Checking Accounts
Open any Cornerstone checking account with as little as $100, and
receive unlimited check-writing privileges. You also get free imaged
checks with your monthly statements plus a free binder for handy storage.
Automated Overdraft Privilege is available to all qualifying customers.
Cornerstone Club Checking
Our premier interest-bearing account, which features special membership
benefits.
- Free customized checks
- Free Bill Pay
- Free Master Money Check Card (subject to approval)
- 10% discount on a safe deposit box (subject to availability)
- Avoid the monthly service charge with a $2,500 minimum daily
balance; otherwise $12 per month
Interest Checking
A low-cost, interest-bearing account for your everyday checking needs.
- Earns interest with $1,000 minimum balance
- Avoid the $7 monthly service charge with a $500 minimum daily
balance
Fifty Plus Checking
Enables customers age 50 and over to earn interest with no service
charge or minimum balance requirements.
- Interest paid on daily balances of $500 or more
- Free customized checks
- Free Bill Pay
- Free Master Money Check Card (subject to approval)
Value Checking
A non-interest-bearing account featuring no balance requirements or
activity charges.
- Free customized checks
- $10 monthly service charge; $5 for full-time students
Free Checking
For the simplicity and convenience of a basic checking account.
- No minimum balance requirement
- No monthly service charge
Health Savings Accounts
If you are under 65 with a high-deductible health plan, this
tax-exempt, interest-bearing account enables you to pay or be reimbursed
for qualified medical expenses incurred by you, your spouse and your
dependents. Ask us for details.
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Investment Accounts
Statement Savings
A secure place to earn interest while saving for a specific purpose or
for youngsters to learn good saving habits.
- No minimum opening balance requirement
- Up to two free withdrawals per month; $2 each thereafter
- No minimum balance required to earn interest
- No minimum balance for minor accounts or full-time students
- Interest compounded and paid monthly
- Avoid the $2 monthly service charge with a $100 minimum daily
balance
- Up to six permissible withdrawals or transfers per month
Money Market Checking
For the higher returns of money market rates combined with the
convenience and flexibility of a checking account.
- $1,000 minimum to open
- Limit of 6 third-party checks written per month; $5 each thereafter
- Unlimited “in-bank” deposits or withdrawals
- Interest accrued daily and paid monthly
- Earns interest with $1,000 minimum balance
- Free imaged checks with statement
- Avoid the $5 monthly service charge with a $1,000 minimum daily
balance
- Up to six permissible withdrawals or transfers per month
Certificates of Deposit
Offering competitive rates and terms that fit your personal financial
objectives.
- Terms from 7 days to 60 months
- Fixed or variable rates
- Interest compounded and paid monthly
- Interest may be forwarded by check, transferred to deposit account
or added back to CD
- Early withdrawal penalty may apply
IRA Certificates
CDs designed to help you save on taxes while you save for your
retirement.
- Terms from 6 to 60 months
- Fixed or variable rates
- Contributions may be tax deductible (check with your tax advisor)
- Interest earned is tax deferred until withdrawal
- Interest compounded and paid monthly
- Early withdrawal penalty may apply
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Personal Credit
Loans
Whether you need money for an unexpected expense or a long-anticipated
dream, Cornerstone is your source for competitive rates and flexible
terms. We can help you with a wide range of secured loans for cars, boats
and recreational vehicles as well as with unsecured loans for other
special needs.
Overdraft Protection
Our Ready Cash Reserve offers worry-free overdraft protection on your
checking account with your personal line of credit. Funds are advanced to
your checking account in multiples of $100 up to your pre-approved credit
limit. Ready Cash Reserve is subject to credit approval.
Credit Cards
Take advantage of the worldwide acceptance and other benefits offered
by a MasterCard® or VISA® credit card. Simply ask us for an application or
apply online.
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Convenience Services
Automatic Overdraft Privilege
Linked to your checking account, this money-saving feature
automatically protects you against accidental overdrafts by paying your
nonsufficient-funds (NSF) checks. Subject to eligibility, your checking
account may qualify for an Automated Overdraft Privilege credit limit.
Electronic Statements
Our eStatements enable you to see your account statements through a
personalized home page on our secure Internet web site. eStatements are
available immediately following the close of your monthly statement cycle
and are more secure than your mailbox. An email message is automatically
sent to you each time your new eStatement is ready for viewing.
Foreign Currency Exchange
See us before going abroad to arrange for currency to use in the
country or countries in which you’ll be traveling. After your trip, we’ll
convert your unused funds back to dollars.
Master MoneyTM Check Card
This handy card enables you to make purchases or withdraw funds from
your checking or savings account without writing a check and is welcome
wherever MasterCard is accepted.
Online Banking and Bill Pay
With Online Banking, Cornerstone is always open to you. Use your
computer to check your account balances, transfer funds and more. And with
our Bill Pay service, you can handle your monthly bills quickly and
easily—without licking envelopes or buying stamps. We’ll be glad to show
you how.
Prepaid Gift Card
Looking for a great gift or a secure way to provide spending money for
a child away at school? Ask about our prepaid gift cards. They’re more
versatile than gift certificates and accepted all over the world.
Safe Deposit Boxes
Available in multiple sizes, our safe deposit boxes provide secure
storage for your valuables and important papers.
Telephone Banking
Cornerstone Telephone Banking gives you quick access to your accounts
24 hours a day. Confirm posted transactions on checking and savings
accounts, CDs and loans, or transfer funds between accounts. You may also
obtain information on current or prior-year interest earned.
Wire Transfer Services
We have the capability to handle incoming and outgoing wire transfers,
both domestic and international.
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Business Services
Checking Accounts
At Cornerstone National Bank, we believe that a strong banking
relationship is the foundation of every profitable business. It’s a
relationship based on the value of well-designed products and sound
advice. More important, it’s built on a commitment to unsurpassed service
that makes banking as pleasurable as it is easy and convenient. Described
below are the products and services you need to begin developing your own
financial plan and a banking relationship that will help ensure the
ongoing success of your business.
Small Business Checking
A basic business account for handling day-to-day operations and other
checking needs.
- $100 minimum balance to open
- A total of 250 free debits and credits; $.30 each thereafter
- Automatic Overdraft Privilege to qualifying accounts
- Free imaged checks with statement
- Business debit card available -
Apply Now!
Business Interest Checking
An interest-bearing account exclusively for sole proprietorships and
nonprofit organizations.
- $100 minimum balance to open
- $500 minimum daily balance to avoid $7 monthly service charge
- A total of 50 free debits and credits; $.30 each thereafter
- First 100 deposited items free; $.12 each thereafter
- Automatic Overdraft Privilege to qualifying accounts
- Free imaged checks with statement
Commercial Checking
Offers the ability to avoid monthly service charges using earnings
credit based on balances maintained.
- No minimum balance to open
- Monthly service charge, $9
- Debits, $.15 each
- Deposited items, $.07 each
- Rolled coin (purchased or deposited), $.10 per roll
- Strapped currency (purchased or deposited), $.15 per strap
- Free imaged checks with statement
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Investment Accounts
Business Statement Savings
A secure place for small businesses to keep small amounts of cash for
easy access or to store it until it grows large enough to invest in a
Money Market Commercial Account or CD.
- No minimum opening balance requirement
- Up to two free withdrawals per month; $2 each thereafter
- No minimum balance required to earn interest
- Interest compounded and paid monthly
- Avoid the $2 monthly service charge with a $100 minimum daily
balance
- Up to six permissible withdrawals or transfers per month
Money Market Commercial Account
For the higher returns of money market rates combined with the
convenience and flexibility of a checking account.
- $1,000 minimum to open
- Limit of 6 third-party checks written per month; $5 each thereafter
- Unlimited “in-bank” deposits or withdrawals
- Interest accrued daily and paid monthly
- Earns interest with $1,000 minimum balance
- Free imaged checks with statement
- Avoid the $5 monthly service charge with a $1,000 minimum daily
balance
- Up to six permissible withdrawals or transfers per month
Sweep Accounts
If your business has significant balances available for overnight
investment, we can automatically “sweep” your excess funds into repurchase
agreements to help you maximize your return. Ask us for details.
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Commercial Credit
Loans and Lines of Credit
Almost every successful business requires a reliable source of ready
capital, and Cornerstone provides a full range of options to ensure that
you have the financing your company needs for ongoing operations,
expansion or other reasons. All loan decisions are made locally so you can
rely on getting a quick response on your loan requests. Secured or
unsecured, short-term or long-term, we offer the flexibility to structure
your loans to your specifications.
Credit Cards
Take advantage of the worldwide acceptance and other business benefits
offered by a MasterCard® or VISA® credit card. Simply ask us for an
application or
apply online.
If you initiate electronic debits or credits in the course of your
business, you can rely on us to effectively handle the banking details for
you.
Linked to your checking account, this money-saving feature
automatically protects you against accidental overdrafts by paying your
nonsufficient-funds (NSF) checks. Subject to eligibility, every new Small
Business Checking and Business Interest Checking account comes with a
pre-approved Automated Overdraft Privilege limit of $500.
Our eStatements enable you to see your account statements through a
personalized home page on our secure Internet web site. eStatements are
available immediately following the close of your monthly statement cycle
and are more secure than your mailbox. An email message is automatically
sent to you each time your new eStatement is ready for viewing.
Credit card acceptance is a benefit you offer your customers, and you
need an effective merchant services provider to ensure that it benefits
you. We offer expert assistance in establishing your processing account as
well as the ongoing service and support to maintain it.
With Online Banking, Cornerstone is always open to you. Use your
computer to check your account balances, transfer funds and more. And with
our Bill Pay service, you can handle your monthly bills quickly and
easily. We’ll be glad to show you how.
Cornerstone Telephone Banking gives you quick access to your accounts
24 hours a day. Confirm posted transactions on checking and savings
accounts, CDs and loans, or transfer funds between accounts. You may also
obtain information on current or prior-year interest earned.
We have the capability to handle incoming and outgoing wire transfers,
both domestic and international.
Remote Deposit is ideal for business banking customers with regular check
deposits. Cornerstone Remote Deposit allows you to scan checks at your desktop
and electronically send the images to us, eliminating costly and time-consuming
trips to the bank. All it takes is a small desktop scanner, an Internet connection,
and our remote deposit software.
These secure forms are available online for your convenience.
