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Consumer Savings Accounts

Account Type Minimum Deposit
Requirement to
Open Account
Maintenance Fee Interest Paid Features - Benefits
Money Market Savings $1,000 - No Maintenance fee if balance remains above $1,000.
- $5.00 Maintenance fee if balance falls below $1,000.
- 6 free withdrawals - $1.00 per check/debit fee over 6.
- Federal Regulation D limits savings accounts to 6 transfers per month(calendar or statement cycle) by check, draft, debit card or other payment order to a 3rd party as well as transfers out by telephone, Internet or through an automated clearing house (ACH).
- No monthly fee for ATM Card available with separate application.
Yes - Automatic transfers limited
- Direct Deposit
- Higher rate of interest than regular savings
- 24 Hour Touch Tone Teller
VIP Money Market Savings $15,000 - No Maintenance fee if balance remains above $15,000.
- $10.00 Maintenance fee if balance falls below $15,000 or combination of all accounts and CD's fall below $50,000.
- 6 free withdrawals - $1.00 per check/debit fee over 6.
 Federal Regulation D limits savings accounts to 6 transfers per month(calendar or statement cycle) by check, draft, debit card or other payment order to a 3rd party as well as transfers out by telephone, Internet or through an automated clearing house (ACH).
- No monthly fee for ATM Card available with separate application.
Yes - Automatic transfers limited
- Direct Deposit
- Higher rate of interest than regular savings
- 24 Hour Touch Tone Teller
VIP
Savings
$2500

- No Maintenance fee unless balance in account falls below $2500 minimum balance or combination of accounts falls below $50,000.
- $5.00 Maintenance fee
- $.50 per debit charge over 10-activity charge
- Federal Regulation D limits savings accounts to 6 transfers per month(calendar or statement cycle) by check, draft, debit card or other payment order to a 3rd party as well as transfers out by telephone, Internet or through an automated clearing house (ACH).

Yes

- No monthly fee for ATM Card available with separate application
- No fee on Money Orders and Cashier's Checks - 5 per month
- No fee on photocopies - 5 per month
- No fee on Notary & Signature Guarantee
- Direct Deposit
- Online Banking
- Free encoded savings slips for VIP Savings
- Free standard style checks, single or duplicate - 1 box per order
- 24 Hour Touch Tone Teller

Statement Savings $50 - No Maintenance charge if balance remains above $50.
- $3.00 Maintenance charge if balance falls below $50.
- Federal Regulation D limits savings accounts to 6 transfers per month(calendar or statement cycle) by check, draft, debit card or other payment order to a 3rd party as well as transfers out by telephone, Internet or through an automated clearing house (ACH).
- No monthly fee for ATM Card available with separate application.
- $0.50 Activity Charge per withdrawal over 10.

Yes - Automatic transfers limited
- 24 Hour Touch Tone Teller
- Lower minimum balance required
- Quarterly statement
Christmas Club $5 No fees.
No withdrawals allowed.
Yes -A check is automatically mailed to you the first week of November.
-Annual statement
Minor Savings $10 - No Maintenance charge if balance remains above $10.
- $2.00 Maintenance charge if balance falls below $10.
- 10 free withdrawals per quarter. $.50 Activity Charge per withdrawal over 10. 
 - Federal Regulation D limits savings accounts to 6 transfers per month(calendar or statement cycle) by check, draft, debit card or other payment order to a 3rd party as well as transfers out by telephone, Internet or through an automated clearing house (ACH).
- Account will automatically change to statement savings account on 18th birthday.
Yes

- Automatic transfers limited

- Quarterly Statements 

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

* We may change the rate on interest bearing accounts, at any time, at our discretion. As rates change in the market place, current rate are always posted in the bank lobby.

* We use the daily collected balance method to calculate the interest on this account. The method applies a daily periodic rate to the collected principal balance in the account each day.

* Encoded savings slips are provided free of charge to the account holders.

* Subject to service charges if dormant for 12 months.