Checking
Open a checking account today.
If you're like most people, your checking account gets used more than any other. So why not make it work harder for you?
Enjoy these built-in benefits
24/7 access to 30,000 fee-free ATMs
nationwide in partnership with the CO-OP Network.
Full suite of digital convenience products
including online banking, mobile deposit, and more.
Instant access to your money
conveniently with your Visa® debit card.
All personal checking accounts pair perfectly
with our Round-Up Rewards program.
Rewards Checking
How often do you think about what your checking account does for you? It 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 today and you'll earn:
Details
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
Classic Checking
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.
Details
1: Open a new Rewards Checking, Classic Checking, or CORE Rewards Checking account in 2026 and receive a $75 bonus. To qualify, a total of $250 in direct deposits must be received within the first 90 days after the account is opened. Direct deposits are defined as any electronic deposit such as payroll, pension, tax refund or investment deposit. Debit card deposits are not considered direct deposits. The $75 bonus will be deposited into the qualifying account after the account has been open for 90 days, provided the direct deposit requirement has been met. If the required direct deposits are not received within 90 days of account opening, the bonus will not be paid. This promotion is limited to new checking accounts only. Business checking accounts are not included. Bonus limited to one SSN. Terms and conditions subject to change at any time.
2: Upon enrollment, we will round up your Cornerstone debit card purchases to the nearest dollar and transfer the difference from your checking account to your Round-Up Rewards savings account. Purchases completed by entering a PIN are not eligible for the Round-Up transfer.
3: APY = Annual Percentage Yield. APYs accurate as of 11/1/2025. Rates may change after account is opened. 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.
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 early¹ 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!
1: Open a new Rewards Checking, Classic Checking, or CORE Rewards Checking account in 2026 and receive a $75 bonus. To qualify, a total of $250 in direct deposits must be received within the first 90 days after the account is opened. Direct deposits are defined as any electronic deposit such as payroll, pension, tax refund or investment deposit. Debit card deposits are not considered direct deposits. The $75 bonus will be deposited into the qualifying account after the account has been open for 90 days, provided the direct deposit requirement has been met. If the required direct deposits are not received within 90 days of account opening, the bonus will not be paid. This promotion is limited to new checking accounts only. Business checking accounts are not included. Bonus limited to one SSN. Terms and conditions subject to change at any time.