Accounts
Description
Minimum Opening Deposit
Interest Bearing
Fees
Transaction Limits
Free Checking Our free checking account is designed for those who want a basic check writing service and do not need their image checks back with their statements. $20 No None None
Cornerstone Checking Account Our Regular Checking is the perfect account if you are looking for a basic checking account and the convenience of check imaging. $20 No $4.00 monthly service charge if average daily balance falls below $500.00 during statement cycle. With a payroll direct deposit relationship, this account offers no monthly service charge regardless of your balance. None
Student Option Our Student Checking is designed to make banking affordable and convenient for busy students. It features no minimum balance and no monthly service fee. $20. Customers must present a current student ID to open this account. No No service charge as long as a full time student. Maximum age of 23. None
Senior Account Our Senior Checking is a premium interest-bearing personal checking account designed for persons 55 and older with extra bank benefits and value-added features. $20. Customers must be 55 years of age or older to open this account. Yes (a minimum balance of $1,000 is required to earn interest.) None None
Cornerstone Plus Accounts Cornerstone Plus accounts offer you a package of services including Accidental Death & Dismemberment Insurance, RX Advantage, Vision Savings, free standard checks (limit of 3 boxes per year), no charge for Travelers' checks or Cashier's Checks and more. $20 No This account has two package offers. Package 1- $6.00 monthly service charge. Package 2- $8.00 monthly service charge. None
Interest Checking Account For customers who want interest on their balances $100 minimum to open this account; $1000 minimum average daily balance to avoid fees Yes. Tiered rates $7.50 monthly service charge if the average daily balance falls below $1000 during statement cycle None

eVantage

Checking

Account

Earns a high rate of interest for our customers that use

e-banking.

$200 Yes, Tiered rates None

To receive interest and to earn Rate, the following is required once per interest cycle:

  • 10 Debit Card Transactions (Does not include ATM)
  • 1 Direct Deposit or ACH Transaction or active online bill pay
  • Access Online Banking
  • Receive Electronic Statements (when available)
  • Have a valid e-mail address

(if any of the above requirments are not met, a rate of .513%apy will be paid on the entire balance for that interest cycle.)

.

Money Market Deposit Account Earns a higher interest rate than our regular checking account $100 to open; $2,500 minimum average daily balance to avoid fees Yes. Tiered rates $7.50 monthly service charge if the average daily balance falls below $2500 during statement cycle Limited to 6 withdrawals per statement cycle, only 3 of which can be payment by check to a third party ($20 per item fee over limit)

Platinum Club Money Market Deposit Account

 Earns a higher interest rate than our Money Market Deposit Account $10,000.00 to open; 10,000 minimum daily balance to avoid fees Yes, Tiered rates $20.00 monthly service charge if the daily balance falls below $10,000 during statement cycle Limited to 4 withdrawals per statement cycle, only 2 of which can be payment by check to a third party ($20 per item fee over the limit)