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To open an account, please call our Customer Information Center at 800-939-9103 during business hours. Thank you for your patience as we make updates to this feature.
RITE Interest Checking - Effective 1/23/2021Get paid to bank with us—earn high interest every month (up to 1.25% APY*) just for doing a few banking basics, like using your debit card. You’ll also get unlimited rebates on your ATM surcharges, nationwide*—so every ATM is your ATM. Add RITE Savings to make saving easy.Learn More
- 1.25% APY* on balances up to $25,000
- 1.25% to 0.45% APY on balances over $25,000 depending on balance in account*
- 0.05% APY* if qualifications aren’t met
- Unlimited rebates on ATM surcharges, nationwide*
- No minimum balance to earn rewards
- No monthly service fee
- Free online banking, bill pay, and external transfers
- Free mobile banking including mobile deposits
- Free Debit/ATM card available with no annual fee
- Free eStatements
- $25 minimum deposit to open
How to Earn Your Rewards (It’s Easy!)
To earn your rewards, just do the following transactions and activities in your RITE Interest Checking account during each Monthly Qualification Cycle:
- Have at least 10 debit card purchases post and settle
- Be enrolled in, receive, and review eStatements
- Have at least 1 direct deposit or automatic payment (ACH) transaction post and settle
If you don’t meet these qualifications, your account is still free.
Plus, you’ll earn our base rate and you can get right back to earning your full rewards the very next cycle that you qualify.
*APY=Annual Percentage Yield. APYs are accurate as of January 24, 2021. Variable rate account. Interest rates are determined at the Bank’s discretion and are subject to change at any time. If qualifications are met each monthly qualification cycle: (1) Unlimited national ATM surcharges posted and settled during monthly qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances from $.01 up to $25,000 earn 1.24% interest rate, resulting in an APY of 1.25%; and (3) balances over $25,000 earn 0.25% interest rate on portion of balance over $25,000, resulting in 1.25% – 0.45% APY depending on balance in account. If qualifications are not met, all balances earn an interest rate and APY of 0.05% and account does not receive ATM surcharge rebates for that period.
To qualify you must have at least: (1) 10 posted and settled Debit Card purchases. (ATM transactions and debit card purchases processed as ATM transactions do not count towards qualifying debit card purchases); (2) Be enrolled in, receive and review eStatements; and (3) Have 1 direct deposit or automatic payment (ACH) post and settle during the monthly qualification cycle (transfers between accounts within our bank or via online banking do not count towards qualifying ACH or bill pay transactions). Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. “Monthly qualification cycle” is in line with your “Statement Cycle”. “Statement Cycle” means the period of time for which the Bank provides a summary of the financial activities and transactions that post and settle to your account. If monthly qualifications are not met, this account will still function as a free account, with no monthly service fee. Minimum to open account is $25. No minimum balance required to earn rewards or maintain account. If account balance is $0.00 or less for 60 consecutive days the account will be closed. Available as a personal account only.
Each depositor is insured by the FDIC to at least $250,000. All 
deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF).
RITE Rewards Checking - Effective 1/23/2021Make everyday shopping a lot more rewarding—earn 2.00% cash back on debit card purchases, up to $96 cash back per year.* Plus, get rebates on ATM surcharges, nationwide.* Learn More
- 2.00% cash back on debit card purchases*
- No category restrictions on purchases
- Cash back earned on up to $400 in purchases monthly
- Earn up to $96 cash back per year, $8 per month
- Unlimited rebates on ATM surcharges, nationwide*
- No minimum balance to earn rewards
- No monthly service fee
- Free online banking, bill pay, and external transfers
- Free mobile banking including mobile deposits
- Free Debit/ATM card available with no annual fee
- Free eStatements
- $25 minimum deposit to open
How to Earn Your Rewards (It’s Easy!)
To earn your rewards, just do the following transactions and activities in your RITE Rewards Checking account during each Monthly Qualification Cycle:
- Have at least 12 debit card purchases post and settle
- Be enrolled in, receive, and review eStatements
- Have at least 1 direct deposit or automatic payment (ACH) transaction post and settle
If you don’t meet these qualifications, your account is still free.
And you can get right back to earning your cash rewards the very next cycle that you qualify.
*When monthly qualifications are met, you receive: (1) 2.00% cash back on qualifying debit card purchases, up to a total cash back of $8, that post and settle to your account during the monthly qualification cycle; and (2) Unlimited national ATM surcharge rebates for charges posted and settled to the account during the monthly qualification cycle. Cash Back rewards and ATM surcharge rebates will be credited on the last day of the monthly statement cycle if qualifications are met within the monthly qualification cycle. If monthly qualifications are not met, the account will not receive cash back rewards and ATM surcharges will not be reimbursed for that period.
To qualify you must have at least: (1) 12 posted and settled Debit Card purchases (ATM transactions and debit card purchases processed as ATM transactions do not count towards qualifying debit card purchases); (2) Be enrolled in, receive and review eStatements; and (3) Have 1 direct deposit or automatic payment (ACH) post and settle during the monthly qualification cycle (transfers between accounts within our bank or via online banking do not count towards qualifying ACH or bill pay transactions). Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. “Monthly qualification cycle” is in line with your “Statement Cycle”. “Statement Cycle” means the period of time for which the Bank provides a summary of the financial activities and transactions that post and settle to your account. If monthly qualifications are not met, this account will still function as a free account, with no monthly service fee. Minimum to open account is $25. No minimum balance required to earn rewards or maintain account. If account balance is $0.00 or less for 60 consecutive days the account will be closed. Available as a personal account only.
Each depositor is insured by the FDIC to at least $250,000. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF).
Classic CheckingEarn interest on your checking account.Learn More
Earn interest with no monthly fee with direct deposit or if you maintain a minimum daily balance of $500.
- Earn a competitive rate of interest
- Free Cornerstone Bank online banking, bill pay and 24/7 telephone banking
- Unlimited electronic transfers
- Receive eStatements or monthly statements with check images
- View loan bills electronically with eLoanbills
- Free Debit MasterCard®/ATM card available with no annual fee and free fraud protection
- Overdraft protection options available
- If applicable, the monthly fee is $4 plus a per check fee of $0.20 for each check
Relationship Plus CheckingOur top of the line checking account that offers additional benefits to our customers who maintain a more complete relationship.Learn More
When you maintain a Combined Daily Balance of $25,000 or more in Relationship Plus Checking, savings, CD, IRA, or Money Market accounts, outstanding Home Equity Loan, Home Equity Line of Credit or Mortgage balances, the $25 monthly fee is waived.
- Earn a competitive rate of interest
- Free checks1
- Free Cornerstone Bank online banking, bill pay and 24/7 telephone banking
- Unlimited electronic transfers
- Receive a combined statement via eStatements or monthly statements with check images
- View loan bills electronically with eLoanbills
- Free 2×5 or 3×5 or 50% credit on larger size safe deposit box annual rental2
- Free Money Orders and Treasurers Checks
- Free Debit MasterCard®/ATM card available with no annual fee and free fraud protection
- Overdraft protection options available
2 Safe deposit box contents are not FDIC or DIF insured. Credit is toward safe deposit box annual rental fee: one box per household.
Vitality CheckingOur simple, no-fees, no-costs checking account for our customers aged 65 or over.Learn More
- Basic check writing capabilities in a non-interest-bearing account
- FREE Cornerstone Bank Custom Creation Checks
- FREE ATM/debit card
- FREE telephone and internet banking with Bill Pay
- No per-check charge
- No monthly fee
- Available only to customers aged 65 or above
- $25.00 minimum deposit required to open account
- Non-interest bearing
- Any check orders other than Cornerstone Bank Custom Creation Checks will be debited from account at the standard Harland Clarke prices.