Commercial Services

Merchant Service Processing offers the convenience of electronic authorization and data capture so you can accept a variety of nationally recognized credit cards.

• Accept MasterCard®, Visa®, Discover®, Diner’s Club®, American Express® and other national credit cards
• Accept credit cards through your online shopping cart
• Process your credit cards online
• Collect monthly payments from your customers through the online service

Our electronic processing system will also allow you to accept credit and debit card transactions as payment for purchases. Your ability to accept these types of payments not only helps you earn customer satisfaction and appreciation, it will help your sales!

We also offer a Gift and Loyalty Card Program.

Contact our Commercial Services Team or call 800-939-9103.

Our online banking tool provides the following services:

• View account balances and transactions
• Transfer between your accounts
• Initiate stop payments
• Pay bills online
• Export transactions to Quicken® or QuickBooks®
• View check images
• Receive e-statements and eliminate paper
• Initiate wire transfers*
• Upload and send ACH payments for vendors and payroll *
• Add multiple users – provide users with as much or as little access to accounts and services.

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With Cornerstone Bank’s Mobile Banking App, you can enjoy the convenience and flexibility of secure account access anytime, anywhere. You can check your account balances, transfer funds, deposit checks, review recent transactions, pay bills, and much, much more.

To get started, simply download the Cornerstone Bank App in the App Store** or Google Play.***

Positive Pay is a service within iBanking that allows customers to monitor checks and ACH. It is an effective fraud prevention and detection tool that lets businesses approve valid or return invalid items as they are presented to the bank. It also:

• Allows the customer to closely monitor items prior to being paid from their account.
• Includes an account reconciliation service that customers can use for recordkeeping.
• Permits multiple users, managed by the customer, to allow for separation of task items, if desired.
• Includes comprehensive transaction and system reports within the Positive Pay service.

You must be enrolled in our Business Online Banking service to take advantage of Positive Pay.

Earn points and manage your cash flow with a Business Credit Card from Cornerstone Bank. Our industry leading business credit card products offer competitive pricing combined with a full range of reward options, making it easy to select and apply for the card that meets your needs.

To apply today, contact our Commercial Services Team, apply online, or call 800-939-9103.

Are you a current cardholder? Log in to your account here.

Your Business Debit Card is an easy, secure way to pay for gas, client events, business travel, office supplies, online purchases, bills and more — right from your business checking account — all within your control. It allows you to track expenses easily and gives you worldwide purchasing convenience. You’ll have peace of mind in knowing that your card is protected. Experienced fraud analysts work around the clock, watching for any suspicious activity and will contact you immediately if they detect potential fraud on your card.

To receive your card, visit any branch location and speak to a customer service representative today!

Debit MasterCard^® SecureCode™

We also offer Debit MasterCard^® SecureCode™, a free service to our debit cardholders. This service offers an additional level of security for your online purchases to your existing Debit MasterCard. It helps protect your card against unauthorized use when you shop online at participating merchants.

To Report Lost/Stolen ATM/Debit Card:
800.939.9103 during bank hours
833.225.5218 after bank hours
Click here for hours.

Find a Surcharge-Free ATM: SUM Network ATM Locator

The Line of Credit Sweep* is a cost effective way to manage your excess cash. It works by transferring funds to and from your line of credit.

• Helps reduce interest expense by drawing down funds only when needed and paying back the line when funds are available
• Automatic functionality helps save time and money

Contact our Commercial Services Team or call 800-939-9103.

Spend more time building your business with our Remote Deposit Service and your business will get these time saving advantages:

• Deposit directly to your Cornerstone Bank account
• Deposit 24/7 (processing only on business days during business hours)
• Streamline your workload and productivity
• Instantly search and retrieve archived images
• Reduce costs associated with check handling
• Achieve fast and efficient deposit processing
• Easily export data and images
• Free up storage space

How it works:

A DEPOSIT24 desktop scanner will take a digital image of both sides of each check in a batch and then capture them on the computer. After verifying the images and balances, you transmit that batch through a secure Internet connection to Cornerstone Bank. Payments are available for posting to your accounts receivable software.

Your scanner:

• Reads check data automatically
• Displays images during item correction
• Provides automatic balancing
• Detects duplicate items
• Converts eligible items for electronic processing
• Creates posting files for accounts receivables
• Provides detailed web-based reports
• Provides secure firewalls and encryption to protect data
• Gives you complete access from your PC through the Internet

Contact our Commercial Services Team or call 800-939-9103 for more details

At Cornerstone Bank we know that your company’s time is valuable. That’s why we look for products that can help to improve your efficiency by saving time and energy on functions that are repetitive. We are pleased to offer our customers a lockbox service for automatic accounts receivable payment processing.

Customers’ remittances are delivered to a unique P.O. Box. Once received, it is opened, sorted and the data is captured. At the end of the day, a deposit is made to your account.

Convenient:
This service is perfect for both small and large companies and is competitively priced. It is flexible and has state-of-the-art processing. Online images of the remittance check and any correspondence are captured. Balancing is performed to your instructions.

Timely:
Mail is picked up and processed every business day. Customers receive an automatic report so there is no delay of information. The web-based technology allows customers access to all payment data and images, and allows you to search transactions by captured data field. You can choose event notification through e-mail, fax, text messaging or all of the above!

Accurate:
Each piece of mail is opened, extracted, sorted and processed to your instructions.

Contact our Commercial Services Team or call 800-939-9103, to get started with this great service!

Move funds to their destinations in just a few hours with our streamlined, low-cost and prompt wiring service. Pay vendors, employees or suppliers electronically through our Business Online Banking.

Wire Transfer Service*

Wire Transfer Service provides business customers the ability to make same-day electronic payments to vendors or transfer funds to other banks.

• Originate wire transfers from your office using our Business Online Banking service
• Wire transfers can also be originated at any of our branches

ACH Service (Automated Clearing House)*

ACH origination provides next day funding to pay vendors or employees.

• Originate individual vendor payments
• Pay employees’ direct deposit
• Collect funds from customers
• Upload NACHA formatted files to the bank using our Business Online Banking service
• Must enroll in Business Online Banking service

Contact our Commercial Services Team or call 800-939-9103 for details.

Eliminate transfers and reduce time balancing your business accounts by automatically transferring funds to a sub-account at the end of the day. This service automatically transfers funds from one business account to another.

• Move funds automatically to a sub-account no need to make transfers
• End of day funding
• Reduce time balancing your business accounts

Contact our Commercial Services Team or call 800-939-9103.

Night Depository Service is available at many of our locations for after hours and weekend deposits of cash and checks. This provides a much safer alternative than holding the daily receipts at your place of business. Please visit one of our branch locations and speak to a customer service representative today!