Personal Banking
At Cornerstone Bank we understand the always changing needs of our client's lives. That is why we believe in choices. From opening your first account to planning for the many financial goals you have, we want to be with you each step of the way.
Checking
While most banks promote "Free Checking", Cornerstone Bank is proud to offer Reward Checking, the most innovative checking account in the country! With Reward Checking, not only do you get Free Checking, you also receive a Premium Interest Rate plus FREE ATM Usage Nationwide*. You earn these great Rewards while helping to preserve the environment by utilizing electronic banking services.
- NO Minimum Balance Requirements
- NO Monthly Maintenance Fees
- FREE Online Banking
- FREE Unlimited Bill Pay
- FREE Debit Card (upon approval)
- FREE e-Statement
- Premium Interest Rate
- $500 Overdraft Privilege (upon approval)
To receive your rewards, you only need to do three simple things:
- Access your monthly statement electronically and be an active on-line banking client.
- Use your Cornerstone Bank Debit Card at least ten times each month.
- Have a recurring Direct Deposit or Automatic Draft tied to your account.
* $20 monthly maximum ATM charges refunded when requirements are met
Select Checking
For our clients age 50 or better! Getting to this stage in your life wasn't easy. Let Cornerstone's Select Checking make banking easier than ever before. Plus earn interest when your balance is $1,000 or greater! With our Select Checking account you receive:
- NO Minimum Balance Requirements
- NO Monthly Maintenance Fees
- FREE Online Banking
- FREE Unlimited Bill Pay
- FREE Debit Card (upon approval)
- FREE Cornerstone Checks
- FREE Money Orders
- FREE Cashiers Checks
- Interest on Balances Exceeding $1,000
- $500 Overdraft Privilege (upon approval)
Free Checking
Whether you are just starting out or are streamlining your banking, our Free Checking account is just what it says. Free!
With our Free Checking account you receive:
- NO Minimum Balance Requirements
- NO Monthly Maintenance Fees
- FREE Online Banking
- FREE Unlimited Bill Pay
- FREE Debit Card (upon approval)
- $300 Overdraft Privilege (upon approval)
Savings
Money Market Rewards
As a way to express our gratitude for loyal Cornerstone Bank clients, we reward you with higher interest when you keep your primary checking account with us. Qualifying accounts will be rewarded with a higher yield on FIVE Separate Tiers! And it's so easy to earn your Rewards - simply maintain your everyday Cornerstone Bank checking account with an average monthly balance of $2,500 and one recurring Direct Deposit or Automatic Draft tied to your account
Low statement cycle maintenance fee of $12.00 if balance drops below $2,500. This account is limited to 6 transactions per statement cycle with no more than 3 by check, draft or third party.Health Savings Accounts
More and more people are learning that a Health Savings Account can provide a smart way to save for future healthcare needs in conjunction with a Qualified Health Care plan. Contributions to your HSA and withdrawals for qualified medical expenses are tax-free. Enjoy the convenience of a debit card to use at the doctor's office or pharmacy. You even earn tax-free interest on the funds in your account!
Personal & Minor Savings
We have Personal and Minor Savings accounts that allow you to begin saving and earning interest with a minimal investment. The Minor Savings is for young people under the age of 18 to begin saving for their future. They can also be setup by Custodians of Minors under ARUTMA (Arkansas Uniform Transfers to Minors Act).
Christmas Club Savings
The Christmas Club Savings is the perfect account not only for the holidays but for other specific savings needs. You can deposit a maximum of $2000 into this account. A check for the balance of the account and any accrued interest is sent to the account holder prior to November 1.
Certificate of Deposits and Individual Retirement Accounts
Cornerstone Bank offers a wide range of terms and competitive rates on CDs and IRAs. Check out our Reward CDs and IRAs to maximize your investments! Visit with one of our knowledgeable Deposit Service Representatives to see how we can help you plan for your current and future savings needs while keeping your investments 100% FDIC insured. Large deposits can obtain FDIC Insurance through our CDARS Registry Service.
EXTRAS
In addition to the many choices offered in our product line, Cornerstone Bank clients also enjoy access to services that go above and beyond the norm.
Bank Customer Services
- FREE Internet Café
- FREE Notary Services
- FREE Medallion Signature Guarantee
- Safe Deposit Boxes
- Copy and Fax services available
