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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.
 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 - Apply
Now!
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.
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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.
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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©Copyright 2013 Cornerstone National Bank. All rights reserved. |
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