FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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Checking Accounts
We offer a variety of checking accounts to fit your lifestyle. Compare our accounts below to find your right fit.
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
Preferred | Value | Budget | Golden 55 | |
Overview | Earn interest and receive a full-range of added BaZing benefits, for a low $10 monthly fee. | Receive a full-range of added BaZing benefits, for a set $6 monthly fee. | Offers checking without maintaining a minimum balance. Minimal monthly fee may apply. | 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 | $6 | $2 Paper Statement for primary account holders 19 and older will increase to $3 on 5/1/2026.
OR
$0 eStatement | $0 |
Interest Paid |
Yes | No | No |
On all positive balances |
ATM Usage | Free at all Cornerstone Bank ATMs, plus three free foreign (Non-Cornerstone Bank) ATM uses per statement cycle | Free at all Cornerstone Bank ATMs, plus three free foreign (Non-Cornerstone Bank) ATM uses per statement cycle | Free at all Cornerstone Bank ATMs | Free at all Cornerstone Bank ATMs |
Check Images |
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Free Checks |
Custom wallet style |
Custom wallet style | No |
Custom wallet style |
Unlimited Check Writing |
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Minimum Balance | $2,500
Maintain a $2,500 minimum balance, and we’ll waive the $10 monthly fee. | $0 | $0 | $0 |
Other Benefits |
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| None |
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More checking account options
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.
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.
