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Disclosures and Fees

Notice of Your Financial Privacy Right   (PRINTABLE PDF)

WHAT DOES CORNERSTONE BANK DO WITH YOUR PERSONAL INFORMATION?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and Government issued ID information.
  • Account Transactions, Credit History, and Overdraft History
  • Income and Employment History

When you are no longer our customer, we continue to share your information as described in this notice.

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Cornerstone Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Cornerstone Bank share? Can you limit this sharing?

For our everyday business products—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes—
to offer our products and services to you

No No

For joint marketing with other financial companies

No We don't share

For our affiliates' everyday business purposes—
information about your transactions and experiences

No We don't share

For our affiliates' everyday business purposes—
information about your creditworthiness

No We don't share

For our affiliates' to market to you

No We don't share
 
Questions? Call (856) 439-0300
 
Who we are
Who is providing this notice? Cornerstone Bank
What we do
How does Cornerstone Bank protect
my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Cornerstone Bank collect
my personal information?

We collect your personal information, for example, when you

  • Open an Account or process a transaction
  • Apply for a loan or employment
  • Pay bills or make wire transfers

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes information about your credit worthiness
  • affiliates from using your information to market to you
  • sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Cornerstone Bank has no affiliates.
Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Cornerstone Bank does not share with non-affiliates so they can market to you.
Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Cornerstone bank doesn't jointly market.
 

Click on a subject to open/close the panel for more details

Miscellaneous Fees and Charges (Effective May 1, 2013)
  Imaged Checks
FREE
  Uncollected Funds (per item)
$35.00
  Insufficient Funds (per item)
$35.00
  Overdraft (per item)
$35.00
  Overdraft Protection Service (per item)
$5.00
  Return Deposited Item
$15.00
  Stop Payment Orders (per item)
$25.00
  Dormant Accounts (per month)
$3.00
   
  Wire Transfers
      Incoming
$10.00
      Outgoing
$20.00
      International
$40.00
   
  Collection Items
      Domestic - Incoming
$25.00
      Domestic - Outgoing
$25.00
      Foreign Currency
$10.00
   
  Night Depository
      Replacement Key
$10.00
      Replacement Bag
$25.00
   
  Cashier’s Checks - Customer
$10.00
   
  Levy Attachment
$125.00
  Travelers Cheques
1%
  Cheques for Two
1.50%
  Statement Reconciliation (per hour)
$20.00
  Research (per hour)
$20.00
  Special Statements
$3.00
  Statement History
$1.00
  Replacement ATM/VISA Debit Card
$10.00
   
  Copies/Fax Fees
      Copies (per page)
$0.25
      Fax - Incoming (per page)
$1.00
      Fax - Outgoing (per page)
$5.00
Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006

The UIGEA, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling.  The Department of the Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act.  As defined in Regulation GG, unlawful Internet gambling means 'to place, receive or otherwise knowingly transmit a bet or wager by any means which involved the use, or at least in part, of the internet where such bet or wager is unlawful under the applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made.

As a customer of Cornerstone Bank, these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an Internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.

Please see one of our Cornerstone Bank Associates if you would like additional information on the UIGEA or Regulation GG.

Secure and Fair Enforcement for Mortgage Licensing Act (SAFE) of 2008

The NMLS Resource Center is the official gateway into the Nationwide Mortgage Licensing System & Registry (NMLS). The NMLS is the sole system of licensure for mortgage companies for 54 state agencies and the sole system of licensure for Mortgage Loan Originators (MLOs) for 58 state and territorial agencies.
NMLS is also the system of record for the registration of depositories, subsidiaries of depositories, and MLOs under the Consumer Financial Protection Bureau’s Regulation G (S.A.F.E. Mortgage Licensing Act – Federal Registration of Residential Mortgage Loan Originators), published December 19, 2011.
NMLS was created by the Conference of State Bank Supervisors (CSBS) and the American Association of Residential Mortgage Regulators (AARMR)1 and began operations in January 2008.
Consumers may access this site by using the following link to review that the lender and institution are register within the system. http://www.nmlsconsumeraccess.org/

Links to Third-Party Sites

Cornerstone Bank may provide hyperlinks to third party Web sites as a convenience to users of the Web Site. Cornerstone Bank does not control third party Web sites and is not responsible for the contents of any linked-to third party Web sites or any hyperlink in a linked-to Web site. No hyperlink found on this Web site to any third party Web site constitutes or implies an endorsement, recommendation or approval by Cornerstone Bank of the Web site linked or the products or services described there. Such third party sites may have a privacy policy or terms of use policy different from that of Cornerstone Bank and the third party site may provide less security than the Cornerstone Bank web site. Once you leave our web site, you should review the security and privacy policies of the nonaffiliated third party. To maintain the security of your account information, we ask that you take the following precautions: (1) Do not share your user ID and/or password with anyone; (2) Change your password frequently; and (3) Remember to signoff after your session.

E-Mail Communications

You should know that email is not transmitted through secure servers. When you send an email to us, we request that you not include personal or confidential information, unless you have encrypted the information. Messages that you send to Cornerstone Bank by email may not be secure. If we respond to you by email, nonpublic personal information such as account numbers or taxpayer identification numbers will not be included since we cannot ensure our response to you is secure.

About Cookies, Tags & Other Tracking Technologies

We and our service providers and advertising partners may collect non-personal information relating to your visit or use of our online services through various means, such as cookies and tags.

Cookies

A cookie is a small file containing certain pieces of data that is created and stored when you visit a website using a computer or mobile device. When you visit a website, a cookie may be used to track the activities of your browser and also provide you with a more consistent, efficient online experience. We and our service providers and advertising partners use three common types of cookies: session cookies, persistent cookies and flash cookies.

Session cookies store information only for the length of time that you are visiting a website; they are not written onto your hard drive. Once you leave the website, they expire and are no longer active.
Persistent cookies are more permanent and store information on your hard drive. Persistent cookies can be re-read when you return to the website that created them.
Flash cookies (also called locally shared objects) are data files created when you visit a website, and are most often used to enhance your browsing experience. For more information about flash cookies or to learn how to remove them, please visit helpx.adobe.com/flash-player/kb/disable-localshared-objects-flash.html.

Session cookies are used on our websites to help determine:
• What pages you visit and actions you take.
• The address of websites and advertisements that you use to link to one of our websites and that you visit after leaving one of our websites.
• Keywords used for searches that brought you to one of our websites.
• Your browser version, hardware and operating system.
• Your Internet Protocol (IP) address.
• Your internet service provider (ISP) and the region from which you connect to our site.
Session cookies are also used on our websites as a type of digital signature to identify your current session to our website servers.
On secure pages on our websites, session cookies may also be used temporarily to store your account number in order to identify multiple user IDs associated with one account number. Cookies containing account numbers are protected through encryption and are used to enable you to load a new secure page on our websites during the same session without having to enter your password.

Persistent cookies are used on our websites to:
• Remember your language preferences.
• Input your user ID automatically, if you choose that option.
• Assist us in authenticating you and your computer or mobile device.
• Reduce the likelihood that an online offer you have already responded to is presented to you again.
• Analyze products and services you have used, which allows optimization of our websites and a more personalized experience.
• Collect information about your computer or mobile device, such as location information so that we can present content specific to your region.

Once you have successfully logged into a secure page on one of our websites, we or our service providers associate you with an internal identifier that identifies you as our customer. Although the internal identifier allows us or our service providers to know who you are, the cookie will never contain information that would tell a third party who you are, such as your name, address, social security number, account number, telephone number or email address.

The internal identifier enables us or our service providers to:
• Monitor your browsing habits on our websites and deliver online marketing offers and advertisements on our websites that may be of interest to you.
• Help personalize our website content, and contact you with marketing offers that may be of interest to you (subject to applicable law and any marketing preferences that we offer and you have registered with us).

Both session and persistent cookies are used on our websites to:
• Aid in identifying and addressing application support issues and to aid in fraud prevention and investigations.
• Determine how many people visit our websites, and which sections of our websites are visited most frequently. This helps us to understand what type of information is most useful to our website visitors so that we can improve our websites and make them easier for our website visitors to access information.

Some of our websites use cookies and JavaScript associated with analytics services provided by our service providers, including Adobe and Google, to help compile aggregated usage statistics to monitor usage patterns and monitor inbound traffic to our websites. For more information about these analytics services, including any opt out rights offered by Adobe and Google, please visit their websites.
Most browsers automatically accept cookies by default. If you object to the use of session or persistent cookies for tracking or other purposes, it may be possible to block and remove such cookies that you may receive from our websites through the settings in your browser. This process varies depending on your browser and version. To learn more about your browser’s options for cookies and online security, please refer to your browser’s documentation or online help.
Please be aware that if you buy a new device, change browsers or access one of our websites from a different device, you may need to set your cookie preferences again. Please also note that our websites may not function properly or optimally if you block or delete cookies. For example, you will not be able to access secure pages on our websites that use cookies for layered security, fraud prevention or investigative purposes.

Tags & Other Tracking Technologies

We and our service providers and advertising partners may also use small images encoded with tags (also known as tags or web beacons) and other tracking technologies through our online services for various purposes, including the following:
• To deliver cookies, to count users who have visited certain pages on our websites, and to help us compile aggregated usage statistics to monitor usage patterns and monitor inbound traffic to our websites.
• In email messages to you or on one of our websites to determine whether you have opened an email message from us, clicked on an embedded website link, acted in response to the email message, or otherwise visited one of our websites.
• To help us, our service providers and our marketing service providers identify your interests, deliver advertisements tailored to your interests, determine the effectiveness of our online advertising, track what happens after you view or click on one of our advertisements on one of our websites or a third party website and measure how many people respond to our advertisements.
• If we send you an email for marketing purposes, the email may contain one or more weblinks to our website or a third party website operated by one of our marketing service providers. Such weblinks may be encoded with reference information which allows us to identify you online, but will never
contain information that would tell a third party who you are, such as your name, address, social security number, account number, telephone number or email address.

BUSINESS CHECKING Analysis Charges (Effective May 1, 2013)
Monthly Maintenance $15.00
Imaged Checks FREE
Credits (ACH and Regular) FREE
Checks/Debits $0.20
Deposited Items $0.15
Return Deposited Item $15.00
Wire Transfers
    Incoming $10.00
    Outgoing $20.00
    International $40.00
Collection Items
    Domestic - Incoming $25.00
    Domestic - Outgoing $25.00
Stop Payment Orders (per item) $25.00
Statement Reconciliation (per hour) $20.00
Research (per hour) $20.00
Special Statements $3.00
Statement History $1.00
Extra Statement Copies $2.00
Currency Orders (per strap) $0.20
Coin Orders (per roll) $0.05

Cornerstone Bank will never ask for you to send personal or financial information by, in response to, or via a link in an Email.

 
Customer Service 856-439-0300
6000 Midlantic Dr, Ste 120S, Mt Laurel, NJ 08054
Cornerstone Bank. Member FDIC Equal Opportunity Lender