Checking Accounts

We offer a variety of checking accounts to fit your lifestyle. Compare our accounts below to find your right fit.

 

Compare our checking accounts

 Personal Checking Accounts

Club

Regular

BudgetGolden Club 55
Overview

Receive a full-range of added benefits along with your checking privileges, for a set monthly fee of $10.00 (Basic Plan).

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

Offers totally free checking without a minimum balance to maintain.

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

Age Requirements

None

None

None

55 and over

Monthly Fee

$10.00

$9.00

$0

$0

Interest Paid

No, but available with increased service charge.

No, but available with increased service charge.

No

x

On all positive balances

ATM Usage

Free at all Cornerstone Bank ATMs, plus three free foreign ATM uses per statement cycle

Free at all Cornerstone Bank ATMs

Free at all Cornerstone Bank ATMs

Free at all Cornerstone Bank ATMs

Check Images

x

x

No

x

Free Checks

x

Custom wallet style

 No

No

x

Custom wallet style

Unlimited Check Writing

x

x

x

x

Minimum Balance

$0

$100

If balance falls below, monthly service charge fee is $9.00.

$0

$0

Other Benefits

  • Identity Theft Insurance
  • $10,000 Accidental Death and Dismemberment Insurance
  • $2 per year discount on Safe Deposit Boxes
  • plus more benefits

Additional Accidental Death and Dismemberment coverage available with increased service charge.

 None

 None

  • Free Cashiers Checks and Money Orders
  • Plus more benefits

More checking account options

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 $10.00 will be assessed.

Student Account

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

  • Unlimited, free check writing.
  • No minimum balance to maintain.
  • Three free foreign ATM uses per statement cycle.
  • Imaged items are not returned.

Premier Money Market Account

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

  • Allows six withdrawals 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.

See our rates

What is needed to open a Personal Checking Account at Cornerstone Bank?

New Customers

  • $100 initial deposit
  • Valid driver's license or government issued photo identification
  • Social Security Number (verbal verification is adequate)

Existing Customers

  • $100 initial deposit
  • Valid driver's license or government issued photo identification

Children

  • $100 initial deposit
  • Certified copy of Birth Certificate, valid learner’s driving permit, or Social Security Card
  • If providing birth certificate or learner’s permit only, verbal verification of a Social Security Number is still required

*Some exceptions may apply. All accounts are subject to approval

 

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