Frequently Asked Questions

We love hearing from our customers! We’ve created the following FAQs to address some of the questions and concerns our customers ask us about most often. If you have any questions or concerns that haven’t been addressed in these FAQ’s, call your Cornerstone Community Bank Branch to speak to a Customer Service Representative.


Online FAQs

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Visit the Contact section at the top of the page to find the location and phone number of the branch closest to you. To speak to someone directly about your account, simply call or stop by the branch that’s most convenient to you.

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You can get the latest interest rates for all of our different accounts by calling your local branch to speak to a Customer Service Representative who will guide you to the best rate and type of account for your specific situation. You can also visit the closest Cornerstone Community Bank Branch for one-on-one assistance.

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To update your address and phone numbers you must fill out and sign our Change of Address form. You can pick up the form at your nearest branch or download and print out the Change of Address form below. Return the completed form to your closest branch.

Change of Address Form

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We are able to perform outgoing and incoming wire transfers at all of our bank branches for a fee. Following is the information you will need to provide for outgoing and incoming wire transfers.

Outgoing Wires:
Beneficiary’s account number, beneficiary’s name and address as it appears on the account, bank’s name, and routing number of the financial institution you wish to wire the funds to

Incoming Wires:
Account number and name as it appears on the account. Please use our routing number of 063114564 for any incoming wires.

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Cornerstone Community Bank has partnered with Harland Clarke to safely and conveniently provide online check ordering for our customers. Click on the Online Check Reordering link to visit Harland Clarke’s website. For more information or to place your order over the phone, call your closest branch to speak with a Customer Service Representative. You can also visit your nearest Cornerstone Community Bank Branch for one-on-one assistance.

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To set up direct deposit (ACH) to your account, you will need to provide your account information to the company performing your direct deposit. Use our Direct Deposit Authorization form, available online and at our branches, to get started. You can also call or visit your closest branch for one-on-one assistance.

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Cornerstone Community Bank offers several different types of overdraft protection for checking accounts. Please contact any one of our offices for details regarding overdraft protection.

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You may request stop payment services for a check that has not already been accepted by Cornerstone Community Bank for processing. A stop payment order will be in effect for six months, and a fee will be charged to your account. Note: Stop payment requests do not apply to online bill payments. Call or visit one of our branches to speak to a Customer Service Representative who will help resolve your issue.  E-mail may not be a secure method of communication; therefore, we do not accept confidential personal or financial information by e-mail.

ATM and Debit Cards

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There may be times when you need to speak with someone immediately, especially to report a lost or stolen PIN, ATM card or Debit card. To report a lost or stolen ATM or Debit card after hours please call 1-800-472-3272.  During business hours, call or visit your branch to speak with one of our branch Customer Service Representatives. Do not use e-mail to report a stolen PIN, ATM card or Debit card. E-mail may not be a secure method of communication and do not accept confidential personal or financial information by e-mail.

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To protect our customers, we cannot fulfill online requests for replacement cards. Visit your nearest Cornerstone Community Bank branch to order your new card and you will receive your new card through the mail.

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We recommend that you start by contacting the merchant that debited your account, this is usually the quickest resolution. If you are unable to resolve the issue with the merchant, we’re more than happy to assist you. Disputes for ATM transactions or point of sale transactions (merchant transactions using your pin number) can be initiated by filling out a form with a detailed description of the occurrence. To obtain this form, visit your closest Cornerstone Community Bank branch.

Cornerstone Community Bank is proud to offer account alerts that can help inform you of suspicious or erroneous charges to your account. Visit the Account Alerts section of the FAQs to learn more.

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To protect our customers, we cannot fulfill requests for ATM or Debit Card PIN changes online. Visit  your nearest Cornerstone Community Bank Branch for one-on-one assistance with this issue.

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You may be charged a terminal fee by another bank when using your Cornerstone Community Bank ATM or Debit card to make cash withdrawals from their ATMs. Fees for non-Cornerstone Community Bank transactions are $1.50 per transaction. You may also be charged a fee for a balance inquiry even if you do not complete a funds transfer.

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Once you have received your card through the mail, call 1-800-862-0760 to activate it.

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Yes, you can use your card without using a PIN. You have the option of using your card as credit or debit. Both of these selections will pull the money directly out of your account. Choosing the credit option will require you to sign for your purchase, and in some cases you may have to provide your zip code. Choosing the debit option will require you to enter your PIN.

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Cornerstone Community Bank offers two types of cards to our customers. One is our ATM card, which is primarily used for ATM transactions. There is not a “credit” option with an ATM card--you must know your PIN to use it. The other card we offer is our debit card, which is used for both ATM transactions and point of sale transactions at stores.

Online Banking

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Cornerstone Community Bank Online Banking is a free service for our customers that lets you bank online from anywhere you have Internet access. You can pay bills online, check account balances, transfer funds, view images of posted checks, receive account balance alerts, send and receive secure messages, and more.

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You can auto enroll by visiting the Personal Banking section at the top of the page. You will click on "If you are a first time user please ENROLL NOW" If you need assistance filling out the form, call or visit your branch to speak to a Customer Service Representative.

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We are proud to offer online banking completely free to all our customers. We do offer alternative online services for our business customers that may charge a fee.

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Online banking employs security at two levels: security of transmission over the Internet and control of access to your accounts. Transmission security is achieved by requiring the use of a browser that utilizes the highest level of data encoding, or encryption, available. Account access security is attained through the use of your personal access codes: your password and user ID. At Cornerstone Community Bank, we know security is important to our customers, so we use sophisticated technology to protect the confidentiality of your financial activities while you are online. Your account information is always kept in a secure section of our site where firewalls block unauthorized users from accessing your account information. That’s why we require access codes and online passwords to access any account information online. In addition, data (such as passwords) used on any Cornerstone Community Bank Online Services is scrambled, or encrypted, into a code that is only unscrambled, or decrypted, by the intended recipient.

If you suspect an unauthorized user has accessed your accounts, notify Cornerstone Community Bank of fraudulent activity immediately by calling or visiting your closest branch.

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Once you have logged into your account, click the Options section at the top of the page. You will see different sections available to change your password, email, security data, security question and answer, account nicknames, and e-statement enrollment.

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Yes, you can view images of checks that have posted to your account within the previous or interim statement screens. You can also print or save a copy of the image for your records by clicking on the appropriate button. Find the item you want to view by looking under your transaction activity or current and previous statements. The check number will be the link you click to view the item.

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You can transfer funds to and from your eligible Cornerstone Community Bank accounts online. Transfers are subject to any applicable restrictions based on each account's terms and conditions. You may wish to transfer funds on a one-time or a recurring basis. Transfers can be made from the following accounts: Checking,Money Market, Savings, and Lines of Credit. Transferring between business accounts and personal accounts is restricted. After logging in to Online Banking, click the Transfer Funds tab and select the appropriate accounts for your transaction.

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Your current business day balance consists of all transactions that have posted to your account. Your available balance reflects funds in your account available for immediate use. Pending transactions which have not yet posted to your account may affect your available balance.

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Some merchants will pre-authorize a debit or credit card to ensure that it is a valid and active account, essentially placing a $1 hold on your account. The pre-authorization amount will remain until the merchant submits the actual amount of the transaction for payment and it posts to your account. Once the payment posts, the $1 pre-authorization will come off your account. This process typically takes 2-3 business days.

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One of our online service security features is personalized security questions. This feature helps prevent someone other than yourself from accessing your account. You will be prompted to set up this feature the first time you log in to your account. Once you have selected your questions and typed your answers they are saved. You will then need to identify whether you are working from a personal computer or a public computer. By selecting personal, you are allowing our website to remember your computer so we don’t have to ask you the security question every time you log on. If you are working from a computer that is not your own or not at home, you should choose the public computer option. This will require you to answer one of the security questions.

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When you set up your personal security information the first time you log on to your account you will be required to pick three personal security questions. These questions are listed one below the other. You must be very careful not to scroll your mouse down to the next section. Instead move and click your mouse to select the next section. This will prevent the question section from scrolling to a different question you did not want to select.  You can change your security questions and answers by visiting the Options section at the top of the page.

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Yes, all payments made through online bill pay will appear on your checking account statement, displaying the date and amount of the payment

Online Bill Pay

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Please visit one of our offices to speak to a Customer Service Representatives who can provide you with the form and assist you with any questions you may have.

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Our online bill pay service allows you to conveniently pay all of your bills online. The program will generate a check or electronically pay the company or person you have set up to pay on the date you select to pay.

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With all online banking services, your user ID and password combination prevents unauthorized entry to your account. When you use online bill pay, you access the Internet via a secure connection with the highest level of encryption available.

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We are proud to offer online billpay as a completely free service to our customers.

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You can pay anyone in the United States that you would normally pay by check or automated debit. Even if you do not receive bills from a company or individual, you can still add their information and submit your payment to them online. You can also add or delete any of your payees at anytime.

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Funds for ALL bill payments, whether paid electronically or by check, will be withdrawn on the day the payment is scheduled to be sent to the payee. There are two ways payments are withdrawn from your account. In most cases, funds will be deducted from your account on the pay date you specify. For some billers such as small businesses and individuals, a paper check will be sent. In these cases, the money will be deducted from your account at the time the biller deposits or cashes the check. This is no different than if you had written a paper check.

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We recommend that you schedule your payments to be received seven business days prior to the actual payment due date. The pay date is the date you want the biller to receive your payment. Some billers may not always credit your account on the same day that they receive the payment. Allow for extra time in this situation so the payment is not considered late.

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We cannot guarantee that 100% of your payments will be sent electronically. Some billers cannot receive payments electronically. Keep in mind that whether the payment is sent electronically or as a paper payment, the service delivers the payment to the biller on the scheduled pay date.

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The biller receives the payment on or before the scheduled pay date you specified. Some billers may not always credit your account on the same day that they receive the payment. Allow for extra time in this situation so the payment is not considered late. If you want to verify the payment posted, you may want to wait a day or two after the scheduled pay date before contacting the biller.

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Log in to the Cornerstone Community Bank Internet Banking. Once your have selected one of your accounts under the List of Accounts section you should see a new tab for Bill Payment. Next, click on the Bill Payment link. On the right side of the Bill Payment page you will see a list of all available pending payments. You can edit or delete a pending payment at any time, as long as the edit or delete buttons are visible for the pending payment. If you accidentally hit the delete button, you will still have a chance to cancel the action before the payment is deleted. After you have canceled a payment, you can reschedule a payment for that payee. Payments and transfers can be canceled or modified anytime prior to 4:00 PM ET on the day they are scheduled.

E-Statements

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E-statements are exact digital copies of your paper account statements you receive in the mail. They allow you to receive your statement faster, access your statement online, reduce clutter by eliminating paper statements, and increase your banking security.

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You must be enrolled for Cornerstone Community Bank Online Banking program to utilize the e- statement option. When you set up your online banking for the first time you will be asked to if you would like to sign up for e-statements. If you decline and then decide to sign up later, simply log in to your online account and click the Options link at the top of the online banking page. At the bottom you will see an e-statements section where you can make your selection.

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Transaction activity within Online Banking displays current and past account activity for up to 90 days. E-statements is a free feature of Online Banking that allows you to view digital copies of your paper statements online and print them for your records. You can view up to12 months of statement history beginning with your most recent statement.

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We’re proud to offer free e-statements to all of our customers.

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Yes. E-statements are exact digital copies of the paper statements you receive in the mail. With E- statements, you have the ability to view both the front and back of your statements.

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Yes. It is legally acceptable to use your e-statements for record keeping purposes. Your e-statement is an exact copy of your paper statement and can be printed in the same format.

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We will send an email to the primary email address you supplied every time a new statement is available to be viewed. The email will not contain the statement; you will need to log in to Online Banking in order to view your statement.

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No. After signing up for e-statements, you will no longer receive paper statements in the mail. E- statements are exact copies of your paper statements, and, when printed, they mirror your paper statements. E-statements allow you to not only view your account statement online, but also print out statements for your records. In addition, eliminating your paper statements and viewing your statements online reduces your risk of mail fraud and identity theft.

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Yes. By enrolling in e-statements, you will actually reduce your risk for mail fraud and identity theft. We encourage all of our customers to opt for e-statements in order to help protect their identities.

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Yes. To access and sign up for e-statements, you first need to be enrolled in Online Banking. Online Banking is free and enrollment is easy.

Account Alerts

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Account alerts are an easy way to stay up-to-date with many different types of transactions on your accounts. Alert's can come to you on your cell phone as a text message, via e-mail, or to your online banking message box. You select what types of alerts you would like to receive.

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We currently offer daily or hourly balance alerts, transfer alerts, ACH credit or debit alerts, wire alerts, point of sale alerts, deposit alerts and check cleared alerts.

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You must be logged in to your online banking account to sign up for alerts. On the first screen you will see a Messages section. Click the New link to set up a new alert. Select the type of alert you would like to receive and fill out the required information. Hit Submit to activate your alert.

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Select the e-mail option and in the e-mail address enter your cell phone number including the area code, followed by your carrier’s text e-mail address. For example, for AT&T it would be 7271234567@txt.ATT.net. Click here for a listing of major carrier text e-mail addresses.

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Account alerts is a free service offered by Cornerstone Community Bank. Depending on your cell phone service plan you may incur a fee from your cell phone provider for receiving text messages.

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You may unsubscribe from your alert services anytime. To unsubscribe, log in to Online Banking. Under the Messages section click on type of account associated with your alert (checking, savings, or loans). A list of all the alerts you have set up will be shown. Find the alert you would like to remove and click on the delete tab.

Small Business Remote Deposit Capture

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Remote deposit capture is a secure service that allows you to scan paper checks from your desktop and electronically send the images to Cornerstone Community Bank for deposit over the Internet.

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No, remote deposit capture is accessible on the Internet through Cornerstone Community Bank Online Services.

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Call or visit your nearest branch to speak with a Customer Service Representatives to learn more about any fees associated with this service.

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You can purchase a scanner directly from Cornerstone Community Bank. Ink cartridges and cleaning kits are recommended to properly maintain your check scanners.

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A maximum of 100 checks can be included in a single deposit.

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Yes, multiple deposits can be submitted each day.

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Deposits received by Cornerstone Community Bank by 4:00 pm are processed on the same business day and are subject to the funds availability schedules provided during remote deposit capture enrollment.

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You are able to produce reports from remote deposit capture, one of which includes check images in the report. These reports can be downloaded, saved and printed.

We'll Help You Find The Right Product

Interested in opening an account? Not sure where to start? We can help! We'll ask you a few simple questions designed to help you select the account that's right for you and your goals. You can also call or visit your local branch and speak to a customer service representative who can help you choose an account.

Are you looking to open a business or a personal account?

Personal Business

We'll Help You Find The Right Product

Interested in opening an account? Not sure where to start? We can help! We'll ask you a few simple questions designed to help you select the account that's right for you and your goals. You can also call or visit your local branch and speak to a customer service representative who can help you choose an account.

Are you a student between the ages of 17-25 looking for a checking account with great benefits?

Yes No

We'll Help You Find The Right Product

Interested in opening an account? Not sure where to start? We can help! We'll ask you a few simple questions designed to help you select the account that's right for you and your goals. You can also call or visit your local branch and speak to a customer service representative who can help you choose an account.

We recommend our Student Checking Page

Start Over

We'll Help You Find The Right Product

Interested in opening an account? Not sure where to start? We can help! We'll ask you a few simple questions designed to help you select the account that's right for you and your goals. You can also call or visit your local branch and speak to a customer service representative who can help you choose an account.

Are you 55 years of age or older looking for a checking account with excellent benefits?

Yes No

We'll Help You Find The Right Product

Interested in opening an account? Not sure where to start? We can help! We'll ask you a few simple questions designed to help you select the account that's right for you and your goals. You can also call or visit your local branch and speak to a customer service representative who can help you choose an account.

We recommend our Privilege Checking Account

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We'll Help You Find The Right Product

Interested in opening an account? Not sure where to start? We can help! We'll ask you a few simple questions designed to help you select the account that's right for you and your goals. You can also call or visit your local branch and speak to a customer service representative who can help you choose an account.

We recommend our Foundation Checking Page

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We'll Help You Find The Right Product

Interested in opening an account? Not sure where to start? We can help! We'll ask you a few simple questions designed to help you select the account that's right for you and your goals. You can also call or visit your local branch and speak to a customer service representative who can help you choose an account.

Is your business a non-profit organization?

Yes No

We'll Help You Find The Right Product

Interested in opening an account? Not sure where to start? We can help! We'll ask you a few simple questions designed to help you select the account that's right for you and your goals. You can also call or visit your local branch and speak to a customer service representative who can help you choose an account.

We recommend our Non-Profit Checking Account

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We'll Help You Find The Right Product

Interested in opening an account? Not sure where to start? We can help! We'll ask you a few simple questions designed to help you select the account that's right for you and your goals. You can also call or visit your local branch and speak to a customer service representative who can help you choose an account.

Will your business have activity of less than 250 transactions per month?

Yes No

We'll Help You Find The Right Product

Interested in opening an account? Not sure where to start? We can help! We'll ask you a few simple questions designed to help you select the account that's right for you and your goals. You can also call or visit your local branch and speak to a customer service representative who can help you choose an account.

We recommend our Small Business Checking Account

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We'll Help You Find The Right Product

Interested in opening an account? Not sure where to start? We can help! We'll ask you a few simple questions designed to help you select the account that's right for you and your goals. You can also call or visit your local branch and speak to a customer service representative who can help you choose an account.

Visit Our Business Page

We recommend our Business Checking Account

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