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Consumer Checking Accounts

Account Type Monthly Fee Interest Paid Free Checks Rewards
CSSB Free Checking Free No No - Touch Tone Teller
- Direct Deposit
- Debit/ATM Card
- Ready Reserve / Overdraft Protection
CSSB Basic Checking No charge unless balance in account falls below $300 minimum or $500 account average or balance of combination of accounts fall below $2,000.
$5.00 Maintenance fee.
.16 per check/debit fee.
No No - Direct Deposit
- Ready Reserve/Overdraft Protection
Debit/ATM Card
- Touch Tone Teller
CSSB NOW Checking No charge unless balance in account falls below $600 minimum or $800 account average or balance of combination of accounts fall below $3,500.
$5.00 Maintenance fee.
.16 per check/debit fee.
Yes,
Variable
**
No - Direct Deposit
- Ready Reserve/Overdraft Protection
Debit/ATM Card
- Touch Tone Teller
VIP Checking No charge unless balance in account falls below $15,000 average or combination of all accounts and CD's fall below $50,000.
$15.00 Maintenance fee.
.16 per check/debit fee.
Yes, Premium variable rates Yes - Direct Deposit
- Ready Reserve/Overdraft Protection
Debit/ATM Card
- Touch Tone Teller
CSSB Gems Checking No charge unless balance in account falls below $500 minimum or $700 account average or balance of combination of accounts fall below $1,500.
$10.00 Maintenance fee.
Yes
Variable
**
Yes, 1/Year - No Fee Money Orders or Cashiers Checks
- No Fee Notary Service
- 10 Free photocopies per/month
- Touch Tone Teller
Debit/ATM Card
CornerStone Club Account

$3.00 - $8.00 Club Charge depending on the type of account and what you qualify for.

Interest bearing club accounts require a $600 average balance to avoid a $10.00 Maintenance fee.

Optional CornerStone Club Account
Checks or 25% discount
on premium checks*
Debit/ATM Card
- No Fee Money Orders & Cashiers Cks-5/month
- $5.00 Stop Payment Discount
- No Fee Ready Reserve / Overdraft protection
- C.D. Bonus Certificate
- 1/4% Discount on Loans w/automatic payment*
- $100 Discount on Mortgage Closing Costs
- $50.00 Discount on Home Equity Closing Costs
- No Fee Photocopies-limit 5 per month
- No Fee Notary and Signature Guarantee
- Direct Deposit
- Touch Tone Teller
- $10,000/$20,000 Accidental Death / Dismemberment Policy
- Credit Card Registration
- Hotel/Motel Discounts
- Short Notice Travel
- Travel Rebates

* 1/4% Discounts on Consumer loans available to qualified customers with auto debit from any CornerStone State Bank checking or savings account.

** We may change the rate on interest bearing accounts, at any time, at our discretion. We use the daily collected balance method to calculate the interest on this account. This method applies a daily periodic rate to the collected principal balance in the account each day.

*** CornerStone State Bank reserves the right to change account types based on legal regulation changes or activity changes. Written notice will precede any account type changes.

**** Subject to service charges if dormant for 6 months.

***** We require that you have $200.00 on deposit to cash a non-CornerStone State Bank check without a check-cashing fee.