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Founded on Value.  Built on Service. 



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Mobile Banking is available at Cornerstone! Sign in to Internet Banking for availability of CNB Mobile Banking. Cornerstone National Bank - Local Bank, World Class Service.

 

 

 

Products & Services

Personal Services

Checking Accounts

Open any Cornerstone checking account with as little as $100, and receive unlimited check-writing privileges. You also get free imaged checks with your monthly statements plus a free binder for handy storage.

Cornerstone Club Checking

Our premier interest-bearing account, which features special membership benefits.

  • Free customized checks
  • Free Bill Pay
  • Free Master Money Check Card (subject to approval)
  • 10% discount on a safe deposit box (subject to availability)
  • Avoid the monthly service charge with a $2,500 minimum daily balance; otherwise $12 per month

Interest Checking

A low-cost, interest-bearing account for your everyday checking needs.

  • Earns interest with $1,000 minimum balance
  • Avoid the $7 monthly service charge with a $500 minimum daily balance

Fifty Plus Checking

Enables customers age 50 and over to earn interest with no service charge or minimum balance requirements.

  • Interest paid on daily balances of $500 or more
  • Free customized checks
  • Free Bill Pay
  • Free Master Money Check Card (subject to approval)

Value Checking

A non-interest-bearing account featuring no balance requirements or activity charges.

  • Free customized checks
  • $10 monthly service charge; $5 for full-time students

Free Checking

For the simplicity and convenience of a basic checking account.

  • No minimum balance requirement
  • No monthly service charge

Health Savings Accounts

If you are under 65 with a high-deductible health plan, this tax-exempt, interest-bearing account enables you to pay or be reimbursed for qualified medical expenses incurred by you, your spouse and your dependents. Ask us for details. Consult your Tax advisor.

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Investment Accounts

Statement Savings

A secure place to earn interest while saving for a specific purpose or for youngsters to learn good saving habits.

  • No minimum opening balance requirement
  • Up to two free withdrawals per month; $2 each thereafter
  • No minimum balance required to earn interest
  • No minimum balance for minor accounts or full-time students
  • Interest compounded and paid monthly
  • Avoid the $2 monthly service charge with a $100 minimum daily balance
  • Up to six permissible withdrawals or transfers per month

Money Market Checking

For the higher returns of money market rates combined with the convenience and flexibility of a checking account.

  • $1,000 minimum to open
  • Unlimited “in-bank” deposits or withdrawals
  • Interest accrued daily and paid monthly
  • Earns interest with $1,000 minimum balance
  • Free imaged checks with statement
  • Avoid the $5 monthly service charge with a $1,000 minimum daily balance
  • Up to six permissible withdrawals or transfers per month; $5 each thereafter

Certificates of Deposit

Offering competitive rates and terms that fit your personal financial objectives.

  • Terms from 7 days to 60 months
  • Fixed or variable rates
  • Interest compounded and paid monthly
  • Interest may be forwarded by check, transferred to deposit account or added back to CD
  • Early withdrawal penalty may apply

 

IRA Certificates

CDs designed to help you save on taxes while you save for your retirement.

  • Terms from 6 to 60 months
  • Fixed or variable rates
  • Contributions may be tax deductible (check with your tax advisor)
  • Interest earned is tax deferred until withdrawal
  • Interest compounded and paid monthly
  • Early withdrawal penalty may apply

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Personal Credit

Loans

Whether you need money for an unexpected expense or a long-anticipated dream, Cornerstone is your source for competitive rates and flexible terms. We can help you with a wide range of secured loans for cars, boats and recreational vehicles as well as with unsecured loans for other special needs.

Overdraft Protection

Our Ready Cash Reserve offers worry-free overdraft protection on your checking account with your personal line of credit. Funds are advanced to your checking account in multiples of $100 up to your pre-approved credit limit. Ready Cash Reserve is subject to credit approval.

Apply for a Platinum VISA®Credit Cards

Take advantage of the worldwide acceptance and other benefits offered by a Platinum VISA® credit card. Simply ask us for an application or apply online.

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Convenience Services

Automatic Overdraft Privilege

Ask us about how you might avoid inadvertant overdrafts with our "Automatic Overdraft Protection" product. (Subject to eligibility.)

Electronic Statements

Our eStatements enable you to see your account statements through a personalized home page on our secure Internet web site. eStatements are available immediately following the close of your monthly statement cycle and are more secure than your mailbox. An email message is automatically sent to you each time your new eStatement is ready for viewing.

Foreign Currency Exchange

See us before going abroad to arrange for currency to use in the country or countries in which you’ll be traveling. After your trip, we’ll convert your unused funds back to dollars.

Master Money™ Check Card

This handy card enables you to make purchases or withdraw funds from your checking or savings account without writing a check and is welcome wherever MasterCard is accepted.

Online Banking and Bill Pay

With Online Banking, Cornerstone is always open to you. Use your computer to check your account balances, transfer funds and more. And with our Bill Pay service, you can handle your monthly bills quickly and easily—without licking envelopes or buying stamps. We’ll be glad to show you how.

Prepaid Gift Card

Looking for a great gift or a secure way to provide spending money for a child away at school? Ask about our prepaid gift cards. They’re more versatile than gift certificates and accepted all over the world.

Safe Deposit Boxes

Available in multiple sizes, our safe deposit boxes provide secure storage for your valuables and important papers.

Telephone Banking

Cornerstone Telephone Banking gives you quick access to your accounts 24 hours a day. Confirm posted transactions on checking and savings accounts, CDs and loans, or transfer funds between accounts. You may also obtain information on current or prior-year interest earned.

Wire Transfer Services

We have the capability to handle incoming and outgoing wire transfers, both domestic and international.

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Business Services

Checking Accounts

At Cornerstone National Bank, we believe that a strong banking relationship is the foundation of every profitable business. It’s a relationship based on the value of well-designed products and sound advice. More important, it’s built on a commitment to unsurpassed service that makes banking as pleasurable as it is easy and convenient. Described below are the products and services you need to begin developing your own financial plan and a banking relationship that will help ensure the ongoing success of your business.

Small Business Checking

A basic business account for handling day-to-day operations and other checking needs.

  • $100 minimum balance to open
  • A total of 250 free debits and credits; $.30 each thereafter
  • Free imaged checks with statement
  • Business debit card available

Business Interest Checking

An interest-bearing account exclusively for sole proprietorships and nonprofit organizations.

  • $100 minimum balance to open
  • $500 minimum daily balance to avoid $7 monthly service charge
  • A total of 50 free debits and credits; $.30 each thereafter
  • First 100 deposited items free; $.12 each thereafter
  • Free imaged checks with statement

Commercial Checking

Offers the ability to avoid monthly service charges using earnings credit based on balances maintained.

  • No minimum balance to open
  • Monthly service charge, $9
  • Debits, $.15 each
  • Deposited items, $.07 each
  • Rolled coin (purchased or deposited), $.10 per roll
  • Strapped currency (purchased or deposited), $.15 per strap
  • Free imaged checks with statement

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Investment Accounts

Business Statement Savings

A secure place for small businesses to keep small amounts of cash for easy access or to store it until it grows large enough to invest in a Money Market Commercial Account or CD.

  • No minimum opening balance requirement
  • Up to two free withdrawals per month; $2 each thereafter
  • No minimum balance required to earn interest
  • Interest compounded and paid monthly
  • Avoid the $2 monthly service charge with a $100 minimum daily balance
  • Up to six permissible withdrawals or transfers per month

Money Market Commercial Account

For the higher returns of money market rates combined with the convenience and flexibility of a checking account.

  • $1,000 minimum to open
  • Unlimited “in-bank” deposits or withdrawals
  • Interest accrued daily and paid monthly
  • Earns interest with $1,000 minimum balance
  • Free imaged checks with statement
  • Avoid the $5 monthly service charge with a $1,000 minimum daily balance
  • Up to six permissible withdrawals or transfers per month; $5each thereafter

Sweep Accounts

If your business has significant balances available for overnight investment, we can automatically “sweep” your excess funds into repurchase agreements* to help you maximize your return. Ask us for details. *Not FDIC insured.

·         Commercial Credit

Loans and Lines of Credit

Almost every successful business requires a reliable source of ready capital, and Cornerstone provides a full range of options to ensure that you have the financing your company needs for ongoing operations, expansion or other reasons. All loan decisions are made locally so you can rely on getting a quick response on your loan requests. Secured or unsecured, short-term or long-term, we offer the flexibility to structure your loans to your specifications.

Apply for a Platinum VISA®Credit Cards

Take advantage of the worldwide acceptance and other benefits offered by a Platinum VISA® credit card. Simply ask us for an application or apply online.

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Convenience Services

ACH Origination

If you initiate electronic debits or credits in the course of your business, you can rely on us to effectively handle the banking details for you.

Automatic Overdraft Privilege

Ask us about how you might avoid inadvertant overdrafts with our "Automatic Overdraft Protection" product. (Subject to eligibility.)

Electronic Statements

Our eStatements enable you to see your account statements through a personalized home page on our secure Internet web site. eStatements are available immediately following the close of your monthly statement cycle and are more secure than your mailbox. An email message is automatically sent to you each time your new eStatement is ready for viewing.

MasterCard and VISA Merchant Services

Credit card acceptance is a benefit you offer your customers, and you need an effective merchant services provider to ensure that it benefits you. We offer expert assistance in establishing your processing account as well as the ongoing service and support to maintain it.

Online Banking and Bill Pay

With Online Banking, Cornerstone is always open to you. Use your computer to check your account balances, transfer funds and more. And with our Bill Pay service, you can handle your monthly bills quickly and easily. We’ll be glad to show you how.

Telephone Banking

Cornerstone Telephone Banking gives you quick access to your accounts 24 hours a day. Confirm posted transactions on checking and savings accounts, CDs and loans, or transfer funds between accounts. You may also obtain information on current or prior-year interest earned.

Wire Transfer Services

We have the capability to handle incoming and outgoing wire transfers, both domestic and international.

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Remote Deposit

Remote Deposit

Remote Deposit is ideal for business banking customers with regular check deposits. Cornerstone Remote Deposit allows you to scan checks at your desktop and electronically send the images to us, eliminating costly and time-consuming trips to the bank. All it takes is a small desktop scanner, an Internet connection, and our remote deposit software.

Benefits of Remote Deposit:

    • Fewer trips to the bank
    • Faster deposit preparation
    • Security
    • Improved cash flow
    • A consolidated banking relationship
    • Improved funds availability
    • Convenience

For more Information contact our Remote Deposit Specialist by calling 864-306-7041.

 

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Forms & Applications

These secure forms are available online for your convenience.

Please note that applications submitted will not be processed until we have verified your information and identity by having you visit one of our Cornerstone National Bank offices. A Customer Service Representative will contact you within 2 business days of your request.

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