Municipal Services

Cornerstone Bank provides responsive support along with tailored banking products and services designed to improve your city or town’s financial operations, safeguard against fraud, and maximize returns on idle funds. Our experienced team prioritizes developing a trusting relationship with our customers through transparency and a commitment to serve our communities with integrity and excellence.

When partnering with Cornerstone Bank, you never have to worry. All deposits are fully insured through FDIC and DIF.

Online Banking

With Cornerstone Bank Online Banking, you can get your banking done with only a few clicks. Enjoy the convenience and flexibility of secure account access anytime, anywhere. What’s even better, it’s free! With Online Banking, you can check your account balances, transfer funds, review recent transactions and much, much more.

Mobile Banking App

With Cornerstone Bank’s Mobile Banking App, access to your banking is right at your fingertips. Enjoy the same convenience and flexibility of secure account access anytime, anywhere. Check your account balances, transfer funds, deposit checks, review recent transactions, pay bills and much, much more.

To get started, simply download the Cornerstone Bank App in the App Store** or Google Play***.

*Cornerstone Bank Mobile Banking is free; however, your mobile service provider may charge for text messages and/or web access. Please check your plan for details. Mobile network or WIFI connection required.
**Apple, iPad, iPhone, iPod touch, and iTunes are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
***Android is a trademark of Google Inc.

Wire Transfer

The wire transfer service lets you make same-day electronic payments to vendors or transfer funds to other banks. This process is streamlined, low-cost, and prompt.

Originate wire transfers from your office using our online business banking service. Wire transfers can also be originated at any of our branches.

ACH Service (Automated Clearing House)

ACH* origination provides next business day funding to pay vendors or employees.

  • Originate individual vendor payments
  • Pay employees with direct deposit
  • Collect funds from customers
  • Upload NACHA formatted files to the bank using our online business banking service
  • Must enroll in online business banking service

Contact our Commercial Services Team or call 800-939-9103 for details.

* Must qualify for this service. Fees apply.

Positive Pay

Fraud Protection for Checks and ACH Debits

Positive Pay is the leading fraud prevention solution designed to help protect your business against the ever-growing threat of altered, forged, or counterfeit checks.

So far this year, we’ve protected our business customers from over $150,000 in fraudulent transactions, and we’re just getting started.

Contact our Commercial Services Team or call 800-939-9103 to learn more about this service.

Remote Deposit Capture Service

With our Remote Deposit Capture* service, your business will get the following time-saving advantages:

  • Deposit directly into your Cornerstone Bank account
  • Deposit 24/7 (processing only on business days during business hours)
  • Streamline your workload and productivity
  • Instantly search and retrieve archived images
  • Reduce costs associated with check handling
  • Achieve fast and efficient deposit processing
  • Easily export data and images
  • Free up storage space

*Must qualify for this service. Fees apply.

A DEPOSIT24 desktop scanner will take a digital image of both sides of each check in a batch and then capture them on the computer. After verifying the images and balances, you transmit that batch through a secure internet connection to Cornerstone Bank. Payments are available for posting to your accounts receivable software.

Your scanner:

  • Reads check data automatically
  • Displays images during item correction
  • Provides automatic balancing
  • Detects duplicate items

The software:

  • Converts eligible items for electronic processing
  • Creates posting files for accounts receivables
  • Provides detailed web-based reports
  • Provides secure firewalls and encryption to protect data
  • Gives you complete access from your PC through the internet

Lockbox Services

At Cornerstone Bank, we know that your company’s time is valuable. That’s why we offer products that can help to improve your efficiency by saving time and energy on repetitive functions. We are pleased to offer our customers a lockbox service for automatic accounts receivable payment processing.

With our Lockbox Service, you can save time by sending your payments out for state-of-the-art processing, with balancing tailored specifically to your request. This outsourced service is convenient, timely, and accurate. At the end of the day, the deposit is made to your account.

Convenient: This service is perfect for both small and large organizations and is competitively priced. With state-of-the-art processing, online images of the remittance check and any correspondence are captured. Balancing is performed to your instructions.

Timely: Mail is picked up and processed every business day. You receive an automatic report so there is no delay of information. The web-based technology affords you access to all payment data and images with the ability to search transactions by captured data field.

Accurate: Each piece of mail is opened, extracted, sorted and processed to your instructions.

ZEscrow

ZEscrow is a modern escrow and subaccounting service that accommodates a wide range of businesses such as law firms, landlords, or any business that holds funds on behalf of others. With secure online access, organizations can manage virtually all of their escrow and subaccounting tasks without sending another fax, touching another paper tax form, or calling customer service.

This third-party service is free to all Municipal Services banking customers.

Discover how ZEscrow can help your business manage your escrow accounting needs by contacting our Commercial Services Team or calling 800-939-9103.

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Business Credit Cards

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.

No matter which card you choose, your business will benefit from important features like:

  • Free online expense reporting tools.
  • No fee for additional employee cards.
  • Mobile payment capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.

Business Debit Card

Your business debit card is an easy, secure way to pay for gas, client events, business travel, office supplies, online purchases, bills and more—right from your business checking account. It allows you to track expenses easily and gives you worldwide purchasing convenience.

You’ll have peace of mind in knowing that your card is protected. Experienced fraud analysts work around the clock, watching for any suspicious activity and contact you immediately if they detect potential fraud on your card.

To receive your card, visit any branch location and speak to a customer service representative today.

Find a surcharge-free ATM: SUM Network ATM Locator.

Debit MasterCard® SecureCode™

We also offer Debit MasterCard® SecureCode™, a free service to our debit cardholders. This service offers an additional level of security for your online purchases to your existing Debit MasterCard®. It helps protect your card against unauthorized use when you shop online at participating merchants.

To Report Lost/Stolen ATM/Debit Card:

800-939-9103 (Business hours)

833-225-5218 (After hours)

Check hours by location

Discover how our products and services can help you today by contacting our Commercial Services Team or calling us today at 800-939-9103.

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