Regular Checking

Allows you the freedom of writing as many checks as you want with no service charge, simply by maintaining a low daily balance.

• Avoid service charge fee by maintaining $100 minimum balance. If balance falls below, monthly service charge fee is $8.00.

• If minimum balance is maintained, enjoy unlimited free check writing privileges.

• Receive your imaged items with your statement at no charge

Interest Checking

Offers you all the benefits of the Regular Checking account, plus you earn interest on all positive balances.  If your account falls below $500.00, a fee of $9.00 will be assessed.

Budget Checking

Offers totally free checking without a minimum balance to maintain.

• Unlimited, free check writing.

• No minimum to maintain, simply deposit $100 when you open the account.

• Imaged items are not returned.

Duplicate checks are recommended, or copies may be obtained for $2.50 each.

Student Account

Offers totally free checking without a minimum balance to maintain for students ages 21 and under.

• Unlimited, free check writing.

• No minimum balance to maintain.

• Three free foreign ATM uses per statement cycle.

• Imaged items are not returned.

Duplicate checks are recommended, or copies may be obtained for $2.50 each.

Club Account

Receive a full-range of added benefits along with your checking privileges, for a set monthly fee of $9.00 (Basic Plan).

• For a low, monthly fee, enjoy unlimited check writing, no minimum balance to maintain, and receive imaged items back.

• Free Identity Theft Insurance - NEW!!!

• $10,000.00 Accidental Death and Dismemberment Insurance

• Free checks — custom wallet style.

• Three free foreign ATM uses per statement cycle.

• $2 per year discount on Safe Deposit Boxes.

• Free Travelers’ Checks.

• PLUS MORE BENEFITS!!

Please ask about additional insurance and adding interest to your Club Account.

Golden Club 55 Account

Designed for customers who are at least 55 years of age, offering the best in banking when life is at its best.

• Earn interest on all positive balances.

• No monthly service charge and unlimited check writing.

• No minimum balance to maintain.

• Free personalized checks - custom wallet style.

• Free Travelers Checks, Cashiers Checks and Money Orders.

• PLUS MORE BENEFITS!!

Healthcare Savings Account

A Healthcare Savings Account (HSA) is designed to help customers save for qualified medical expenses on a tax-free basis.

HSA’s were part of the Medicare legislation that was passed into law by President Bush in December 2003 and went into effect January 1, 2004 .  Any individual who is covered by a qualified high deductible health insurance plan may establish an HSA.

HSA’s work like an IRA for healthcare.  Contributions are tax free and interest is tax free.

Despite being called a savings account an HSA is technically a checking account that earns interest.

• Free custom checks

• Monthly bank statements

• Proper reporting to the IRS

• A $10.00 new account set-up charge

• Quarterly maintenance fee per month as follows:

• Balance $0 - $999.99             $3.00

• Balance $1000 – $2999.99     $2.00

• Balance Over $3000               $1.00

For further details and to see if you qualify for an HSA, contact the Cornerstone Bank nearest you.

Premier Money Market Account

This account is a great choice to earn higher interest rates and still have limited withdrawal flexibility.

• Allows six withdrawals, only three by check, or other transfers to another account or to third parties per statement cycle.  ($15.00 per debit will be charged for each debit after six.)  This includes telephone transfer, check or draft.

• A minimum balance of $1,000.00 is required to open this account and you must maintain a minimum balance of $1,000.00 to earn interest.

Please send comments & suggestions to info@cornerstoneconnect.com
Please do not include any personal information, like account numbers, in an e-mail to Cornerstone Bank.
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