Checking Accounts at Cornerstone

If you’re like most people, your checking account gets used more than any other. So why not make it work harder for you? All our checking accounts offer these standard features:
  • 24/7 access to 30,000 fee-free ATMs nationwide in partnership with the CO-OP Network.
  • A full suite of digital convenience products including Online and Mobile Banking, Mobile Deposit, Bill Pay and more
  • Instant access to your money with a Visa® Debit Card
  • Best of all, no monthly service fees
  • All personal checking accounts pair perfectly with our Round-Up Rewards savings program. Learn more!

Fast Pay

Cornerstone is in your corner when it comes to feeling stress free when budgeting and paying your bills. Access your paycheck in your checking account up to two days early* with Fast Pay! You've worked hard for your money - why not receive it early? Set up a direct deposit with a checking account and you're automatically enrolled!

Rewards Checking 


  • 2.02% APY* (up to $25 per month) on balances up to $15,000
  • No monthly maintenance fees

Rewards Checking

How often do you think about what your checking account does for you? It simply allows you to do your everyday business. But what if your checking account could earn you money, even while you're spending it?

Open a Rewards Checking account with a small $100 minimum deposit, and you’ll not only get all the benefits from above, you’ll also earn:

Details & Qualifications
  • 2.02% APY* (up to $25 per month) on balances up to $15,000
  • The qualifications are simple (you're probably already meeting them):
    • At least 18 signature-based debit card OR Visa Platinum credit card transactions
    • Enroll and receive eStatements
    • Log in to Digital Banking once per month
    • Maintain Direct Deposit 


*APY=Annual Percentage Yield. APYs accurate as of July 1st, 2022. Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly statement cycle: (1) balances up to $15,000 receive APY of 2.02%; and (2) balances over $15,000 earn 0.05% interest rate on portion of balance over $15,000. If qualifications are not met dividends will not be earned. Qualifying transactions must post to and settle account during monthly statement cycle. ATM, PIN-based transactions, cash advances and balance transfer transactions do not count towards qualifying debit or credit card transactions. Statement cycles begin on the first day of the month and end on the last day of the month. Monthly direct deposit required to have this account. Limit one account per SSN.

Fresh Start Checking 


  • No overdraft fees
  • No minimum balance requirements

Fresh Start Checking

A fresh start brings with it reinvigoration and a chance to start over, especially when you might be starting over after a setback. Fresh Start checking is a certified account1 designed to offer a safe and affordable home for your money. This account keeps things simple - no checks, no complicated pricing structure and no minimum balance requirements.

All you need to open a Fresh Start Checking account is $25. 

Details & Qualifications
  • Bank On certified account1
  • Direct Deposit not required
  • Low $5 monthly maintenance fee
  • No Overdraft or Non-Sufficient Funds fees
  • Free Debit Card2 with 24/7 access to 30,000 fee-free ATMs nationwide through the CO-OP Network
  • Complimentary check cashing
  • Free digital services including Bill Pay, Online and Mobile Banking and more!
1: Bank On is run by the national nonprofit organization, Cities for Financial Empowerment Fund. The CFE Fund has developed national account standards to better serve all consumers. Learn more here. 
2: Checks not available for this account



CORE Rewards Checking


  • 2.02% APY* (up to $25 per month) on balances up to $15,000
  • No monthly maintenance fees

CORE Rewards Checking

A CORE Rewards Checking account is perfect for teens and young adults new to the workforce, who are between the ages of 13 and 24. This account provides all the same features and benefits as our Rewards Checking account, but Direct Deposit is not required. 
Details & Qualifications
  • 2.02% APY* (up to $25 per month) on balances up to $15,000
  • Meet the few qualifications below and you'll be on your way to earning rewards:
    • At least 18 signature-based debit card OR Visa Platinum credit card transactions
    • Enroll and receive eStatements
    • Log in to Digital Banking once per month
 Learn more about our CORE Youth Accounts


*APY=Annual Percentage Yield. APYs accurate as of July 1st, 2022. Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly statement cycle: (1) balances up to $15,000 receive APY of 2.02%; and (2) balances over $15,000 earn 0.05% interest rate on portion of balance over $15,000. If qualifications are not met dividends will not be earned.

Qualifying transactions must post to and settle account during monthly statement cycle. ATM, PIN-based transactions, cash advances and balance transfer transactions do not count towards qualifying debit or credit card transactions. Statement cycles begin on the first day of the month and end on the last day of the month. Limit one account per SSN. CORE Rewards Checking available for members 13-24 years of age.

Classic Checking

  • No minimum deposit to open
  • No Direct Deposit required

Classic Checking

Details
Our Classic Checking account is much like a classic car - 
reliable and timeless. If you're not a big spender or don't carry large balances, this account is perfect for you. It offers all the checking account features mentioned above that you've come to know and love:
  • No minimum balance to open
  • No monthly maintenance fees
  • Direct Deposit is not required