Deposit Products

Checking and Savings Accounts

Cornerstone Community Bank offers a deposit product to meet your individual needs. To obtain more information or open a checking, savings or money market account, please visit one of our convenient locations.

Cornerstone Club Checking

Features:

  • No service charge with:
    – $1,000 average available balance
    – OR –
    – $5,000 in aggregate balances in other deposit accounts
    – OR –
    – Minimum $20,000 loan with auto pay
    – Otherwise $5 per month
  • e-Statements (Recommended)

Benefits:

  • Interest Bearing
  • Free Cornerstone-style checks, cashier’s checks and money orders
  • Free notary services
  • 50% discount on safe deposit boxes

 Charitable Checking – Support Your Community

Open a new account or switch your existing Cornerstone account to a Charitable Checking account. Each year Cornerstone will make a donation equal to 1% of the average balance in your Charitable Checking account (up to $1,000 per account holder) to your favorite local school, church or charity. Open your Charitable Checking by December 31st and your charity will receive an added donation of $25.

Features:

  • No service charge with either:
    – $1,000 average available balance
    – OR –
    – $5,000 in aggregate balances in other deposit accounts
    – OR –
    – Minimum $20,000 loan with auto pay
    – Otherwise $5 per month
  • e-Statements (Recommended)

Benefits:

  • Annual donation made to a charity of your choice from our list of approved charities (up to $1,000 per account holder)
  • Free Cornerstone-style checks, cashier’s checks and money orders
  • Free notary services
  • 50% discount on safe-deposit boxes

Click HERE for a list of our Charitable Checking charities. 

 Classic Checking

Features:

  • No service charge with:
    – Direct deposit
    – OR –
    – $1,000 in aggregate balances in other deposit accounts
    – OR –
    – $250 average available balance
    – Otherwise $5 per month
  • e-Statements (Recommended)

Benefits:

  • Free notary services

 eChecking

Features:

  • No minimum balance required
  • Up to six checks per statement cycle
  • $0.50 per check over six
  • eStatements (required)

Benefits:

  • Free notary services

Minor Savings

Features:

  Personal Savings

Features:

   Personal Money Market Deposit

Features:

  • $1,000 average collected balance required to avoid monthly service charge of $10.00
  • Interest rate reverts to Personal Savings rate if balance falls below $2,500.00
  • Variable interest rate and APY
  • Higher interest rates earned at $2,500, $10,000.00, $25,000.00, $50,000.00 and $100,000.00 levels
  • Interest compounds and is paid monthly

  Certificate of Deposit

Features:

  • Minimum balance of $1,000.00
  • Various terms available from three months to five years
  • Competitive interest rates with convenience of automatic renewal
  • Interest is automatically redeposited to your CD; other interest withdrawal options available
  • Substantial penalty for early withdrawal of principal

 IRAs

Features:

  • Roth, Traditional and Education IRA plans available

FDIC deposit insurance has increased from $100,000 to $250,000 per depositor.

NOTICE: By federal law, as of 1/1/2013, funds in a noninterest-bearing transaction account (including an IOLTA/IOLA) will no longer receive unlimited deposit insurance coverage, but will be FDIC-insured to the legal maximum of $250,000 for each ownership category.  For more information, visit www.fdic.gov.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

Financial Information

For in-depth financial information, including our balance sheet, income statement, performance and condition ratios, or demographic information, click here to access the FDIC’s Institutional Directory database via BankFind. Our FDIC Certificate # is 33137. Then close the browser window to return.

No minimum balance

Up to 6 checks per month free

$0.50 per check over 6