PERSONAL BANKING BUSINESS BANKING INVESTMENT & TRUST SERVICES INSURANCE SERVICES ABOUT US Checking Accounts We offer a variety of checking accounts to fit your lifestyle. Compare our accounts below to find your right fit. Open a Checking Account Now Online Account Opening Opening an account with us has never been faster or easier. Our online account opening process has been optimized for all your devices, and can be done at anytime and from anywhere. Enjoy a fast, convenient and secure process of opening an account with us. Compare our checking accounts Personal Checking Accounts Club Regular Budget Golden 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 Check 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 Check Check No Check Free Checks Check Custom wallet style No No Check Custom wallet style Unlimited Check Writing Check Check Check Check 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. LOGIN Linkedin Facebook Instagram How Can We Help? Reorder Checks Report a lost or stolen card Change of Address Current CD Rates Tools & Resources Online Education Center Security FAQs Online Safety Tips About Us Our History Careers Privacy Policy Mobile Access Agreement Copyright © 2021 Cornerstone Bank. All Rights Reserved. Equal Housing Lender. Member FDIC Equal Housing Lender Back to Top