Frequently Asked Questions

Chat with us securely from your Online Banking or call Customer Service at 800-939-9103.

From the Login page, select “Forgot User ID” and complete the prompts and submit. Or call Customer Service at 800-939-9103 .

Yes. Select the Person icon at the top right, go to My Profile > Change User ID, follow the prompts and Update.

From the Login page, select “Forgot password” and complete the prompts and submit. Or call Customer Service at 800-939-9103 .

Yes. Select the Person icon at the top right, go to My Profile > Change Password, follow the prompts and Update.

For your protection, the system may prompt you to provide additional security information.

DO NOT move forward. Chat with us securely from your Online Banking or Contact Cornerstone Bank Customer Service at 800-939-9103 .

Select the Person icon at the top right, go to My Profile > Update Phone Number, follow the prompts and Update.

If your User ID, Password or verification prompt is incorrectly entered a number of times, for security purposes, your online banking will become locked. If your access is locked, please contact Customer Service at 800-939-9103 .

The available balance displayed on your deposit accounts includes your current balance minus any holds that you may have. Your available balance displayed does not include savings overdraft, unused reserve credit and assigned overdraft privilege limits. The available balance displayed on your loan accounts is the amount of the funds available for your use.

Mobile Deposit Capture is a convenient way to deposit checks into your checking or savings deposit account quickly and easily from a mobile device including smartphones (iPhone and Android) and tablets.

• Sign into our online banking site with our Cornerstone Bank mobile app.  (You can download it on Google Play or iTunes App store).
• Select Deposit a Check. (Located in the footer)

• Before scanning your check for deposit, sign the back and include “Mobile Deposit Only.” If available, place a checkmark in the box indicating mobile deposit.
• Choose the account that you want to deposit into each time you make a deposit.
• Enter the value of the deposit
• Best practice: Place the check on a dark background > Select the “Front of Check” to capture the image > Flip the check over, select “Back of Check” to capture the image.
• Deposit.

No. The “Deposit To” account must be selected for each mobile deposit.

We recommend 14 days.

See the Online Banking Agreement for the full list. Types of checks that cannot be deposited include:

• Any third party check (any item that is made payable to another party and then endorsed to you by such party).
• Any check previously converted to a “substitute check”, as defined in Regulation CC.
• Any item issued to you through a financial institution in a foreign country.
• Checks or items not payable in United States currency.
• Any item that has been re-deposited or returned such as “Non-Sufficient Funds” or “Refer to Maker” or returned for any other reason.

Ensure your endorsement is done in blue or black ink and clearly visible.

• Qualified deposits made on a business day before 4:00 pm EST will be visible by 9pm EST that night or shortly thereafter.
• Qualified deposits made after 4:00 pm EST on a business day or weekend/holiday will be visible the following business day by 9:00 pm EST or shortly thereafter.
• For example, a qualified mobile deposit made on Friday at 5:00 pm EST will post to your account after 9pm EST on the following Monday. If Monday is a bank holiday then it would be Tuesday after 9:00 pm EST.

A deposit that has been reviewed and accepted by the bank

• Examples of non-qualified deposits are checks listed above in item #5, checks not properly endorsed, post or stale dated checks.
• We will contact you if a deposit is unqualified

• The bank may place a Case-by-Case or exception hold. If the funds are held, we will provide a notice.
• New Accounts will have holds placed in accordance with our Funds Availability Policy.

• After submitting the deposit, you will receive an email acknowledging receipt and indicating it is pending review.
• We will notify you of any rejected items.
• Approved deposits are made available according to our standard Funds Availability Policy.

Go to the Pay My Bills > Select the Add a Company or Person button > Select Company or Person > Fill in the data > Add.

Edit a Company: From a desktop computer > Pay My Bills > Select Company you wish to edit > go to Account Number > Select Change. You may receive a captcha prompt. > Enter New Account Number and Confirm new Account Number > Save Changes.

Edit a Person: From a desktop computer or in full site view > Pay My Bills > Select the Person you wish to edit > Enter the new information > Save Changes.

Pay My Bills > Select the Company or Person you wish to delete > Select Delete > Confirm Delete.

Pay My Bills > Pay My Bills > Select the Company or Person you wish to set up a recurring payment for > Select AutoPay > Set Up AutoPay > Follow the prompts > Start Sending Payments > Review Confirmation & Close. The scheduled payment will now show in the “Pending Payments” queue.

Pay My Bills > “Pending Payments” queue > Select Change > Change this payment (adjust just that payment) > Save Changes.

To edit of change an AutoPayment: Pay My Bills > “Pending Payments” queue > Select Change > Change AutoPay Options (adjust all recurring payments for that payee) > Make updates > Save Changes.

Pay My Bills > “Pending Payments” queue > Select Cancel > Cancel payment or Stop AutoPay series > Cancel Payment or Stop AutoPay > Return to Payment Center.

Yes. Our Bill Pay service provider may issue the payment electronically, as a corporate check (drafted from the Bill Pay service provider’s account) or a laser draft check (drafted from your account).

The method (Electronic or Check) is reflected in the top right side of payment confirmation page. We will also provide you with an approximate deliver by date.

No. Our Bill Pay service provider determines the method for each and every bill payment. It is best practice not to depend on a payment always processing by the same method.

Electronic payments and Corporate checks are typically deducted from the funding account the same day the payment is issued.

Draft Checks are drawn off your account. Therefore, they will post to the funding account when payee processes the payment.