Personal Banking


 REWARD Checking

 TUNES PLUS Checking

 Free Checking

 Cornerstone Checking

 Cornerstone Plus

 Cornerstone Money Market

PERSONAL CHECKING

REWARD CHECKING earns great interest plus nationwide ATM fee refunds! To receive these benefits, we ask you to do a few things you probably already do. You will need to receive an e-statement, have at least 12 Debit Card purchases post and clear, and have at least 1 ACH payment post and clear during each monthly qualification cycle. Interest rates may change at the bank’s discretion and may change daily.

And don’t worry, if for some reason you don’t meet these requirements one cycle, your account is still FREE and you will still receive a base interest rate.  You will then start fresh to earn the benefits for your next cycle.

 

TUNES PLUS CHECKING cranks up the rewards on your checking account - including reimbursements of music, apps, movies, and more. Earn $5 in Amazon® and iTunes® reimbursements and up to $20 in ATM refunds each qualification cycle! You must receive an e-statement, have at least 12 Debit Card purchases post and clear, and login to internet banking once per qualification cycle! $50 in iTunes® or Amazon® credits for purchases that post and clear the account during the first 45 days after you open the account.  Purchases from Amazon® and iTunes® must be made using the debit card associated with this account.  If for some reason you don't qualify, your account is still FREE and you can try to meet the qualifications for next month.

 

FREE CHECKING requires a minimum deposit of $50 to open the account. It has no maintenance fee and unlimited check writing.  You also receive your check images with your e-statement!

 

CORNERSTONE CHECKING requires a minimum deposit of $50 to open the account.   A service charge fee of $5 will be charged when the average daily balance falls below $500 during the statement cycle.  Two boxes of personal checks are at no charge.  Money orders may be purchased with no fee. You also receive your check images with your e-statement or paper statement! You may also have your payroll check directly deposited to your account for your convenience!

 

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CORNERSTONE PLUS requires a minimum deposit of $50 to open the account.  A service charge fee of $5 will be charged when the account falls below $1,000 on any day during the statement cycle.  The interest rate and annual percentage yield may change on your account at any time. Interest will be compounded each month and credited to your account at the statement cycle. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the collected principal in the account each day.  You also receive your check images with your e-statement or paper statement!

CORNERSTONE MONEY MARKET requires a deposit of $50 to open the account. A service charge fee of $5.50 will be charged when the account falls below $2,000 on any day during the statement period. We may change the interest rate and annual percentage yield on your account at any time. Interest will be compounded each month and credited to your account each statement cycle. You are limited to six withdrawals per statement cycle by means of a preauthorized or automatic transfer or telephone order or instruction, by check, draft, debit card (if applicable) or similar order to a third party.  With a minimum balance of $25,000 or greater you will receive a higher interest rate.

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Feature

FREE REWARD

TUNES PLUS

Free

Cornerstone

Cornerstone

Cornerstone

Checking

 Checking

Checking

Checking

Plus

Money Market

Account Eligibility

Personal

 Personal

Personal

Personal

Personal

Unlimited

Interest Bearing

Yes  (1)

 No

No

No

Yes

Yes  (2)

Free Online Banking

Yes

 Yes

Yes

Yes

Yes

Yes

Free Bill Pay

Yes

 Yes

Yes

Yes

Yes

Yes

ATM Fee Refunds

Yes

 Yes

No

No

No

No

Free Debit Card

Yes

 Yes

Yes

Yes

Yes

No

Unlimited Checks
 and Withdrawals

Yes

 Yes

Yes

Yes

Yes

No

24-Hour Banking

Free

 Free

Free

Free

Free

Free

Direct Deposit

Optional

 Optional

Optional

Optional

Optional

Optional

Electronic Statement

Yes with Images

 Required with Images

Yes with Images

Yes with Images

Yes with Images

Yes with Images

Paper Statement

N/A

 N/A

Yes without Images

Yes with Images

Yes with Images

Yes with Images

Minimum Initial Deposit

$50

 $50

$50

$50

$50

$50

Minimum Balance Required to Avoid Service Charge

None

 None

None

If Average Balance Falls Below $500 a Service Charge of $5.00

If Daily Balance Falls Below $1,000 a Service Charge of $5.00

If Daily Balance Falls Below $2,000 a Service Charge of $5.50

Overdraft Protection

$800

 $800

$800

$800

$800

Not Available

Additional Information

Qualifications for Reward Rate and ATM Fee Refunds:

Qualifications for iTunes® and Amazon® Credits(4) and ATM Fee Refunds:  

2 Boxes Personal Checks Free per Year

   
 

• 12 Debit Card point of sale purchases post and clear per monthly qualification cycle

 • 12 Debit Card point of sale purchases post and clear per monthly qualification cycle  

No Fee for Personal Money Orders

 

NOTE: Unlimited withdrawals in person.  All other debits limited to 6 per statement cycle.

 

• Have one ACH payment post and clear per monthly qualification cycle

 • Login to internet banking once per qualification cycle

(5)

     
 

• Receive E-Statement with images per monthly qualification cycle-third Wed. of each month

 

 

 

       
           

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(1)  Restrictions apply. Account holder must qualify to receive higher interest rate up to $10,000. Tiered interest rates  with blended APY. Base interest rate paid on non-qualifying account. Monthly qualification cycle ends one day prior to the monthly statement cycle. (2) Tiered Interest Rates.

Note: APY=Annual Percentage Yield.   APYs are accurate as of 10/22/2012. Rates may change after account is opened. Minimum to open is $50. If qualifications are met each monthly qualification cycle: (1) Nationwide ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.50%; and (3) balances over $10,000 earn 0.25% interest rate on portion of balance over $10,000, resulting in 0.46% -2.50% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and clear account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and clear an account.

 

“Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Qualifications for the account include enrolling and receive an e-statement, have at least one automatic payment post and clear, and have at least 12 debit card post and clear account during monthly qualification cycle. The advertised Reward Checking APY is based on compounding interest. The actual interest paid may be less than the advertised APY. Intra-bank transfers do not count as qualifying transactions. ATM transactions do not count towards monthly debit card purchases. Rates may change after account is opened. Limit one account per social security number.

(4) iTunes® is a registered trademark of Apple, Inc. and Amazon® is a registered trademark of Amazon, Inc.  Apple, Inc. and Amazon Inc. are not participants in or sponsors of this program. (5) Restrictions apply.  You will be refunded up to $50 for iTunes® and/or Amazon®.com purchases that post to and clear the account during the first 45 days after you open account.  Refunds will be credited to account on the last day of statement cycle in which refundable purchases were made.  In addition, each qualification cycle, earn up to $5 in refunds of iTunes® and/or Amazon®.com purchases if qualifications are met during previous monthly qualification cycle.  Purchases must be made with debit card associated with your Tunes Plus account.  Monthly qualification cycle ends one day prior to the monthly statement cycle which is on the third Wednesday of each month.

 

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SAVINGS ACCOUNTS

A Savings Account requires a deposit of $50.00 to open the account. No minimum balance is required to open an account for minors and full-time students. A $2.00 service fee will be charged if the average daily balance falls below $100.00 per statement cycle. This fee does not apply to minors and full-time students. Interest is compounded quarterly and credited to your account quarterly. Your interest rate and Annual Percentage Yield may change at any time.

Children's penny Pig Savings Account requires a $1.00 deposit to open the account. For each aggregated $25.00 deposited to the account, you are eligible for a prize. This account is for children ages 0 -12. Passbooks must be presented to obtain a prize. No minimum balance required. Your interest rate and Annual Percentage Rate may change at any time.

Christmas Club Account requires $1.00 deposit to open the account. Interest is compounded annually and credited to the account annually at maturity. Your interest rate and Annual Percentage Yield may change at any time. Only one withdrawal is allowed per year and it is on approximately November 1 when the bank will issue a check for the funds deposited into the account. No early withdrawals are permitted. No minimum balance is required and no fees are charged.

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