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Online Banking FAQs

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Q After how many invalid logon attempts will I be locked out of Online Banking?
A

Three invalid logon attempts will lock you out of Online Banking. Customers should call a customer service representative at 417 762-3257 Monday - Friday from 8:00 A.M. - 4:00 P.M. and Saturday 8:00 A.M. - 12:00 P.M.

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Q Can I use Online Banking if I only have a CD, Loan, or Savings Account?
A

Yes. If you have any Cornerstone Bank account - CD, Loan, Savings, or Checking product - you can get Online Banking for FREE. You must have a checking account to have Bill Payment.

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Q What happens if I don't log off of the system?
A

You can call a customer service representative at 417 762-3257 Monday - Friday from 8:00 A.M. - 4:00 P.M. and Saturday 8:00 A.M. - 12:00 P.M.

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Q How can I reset my Online Banking Account (not Bill Payment)?
A

You can call a customer service representative at 417 762-3257 Monday - Friday from 8:00 A.M. - 4:00 P.M. and Saturday 8:00 A.M. - 12:00 P.M.

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Q How can you guarantee the security of my banking information?
A

First, we use 128-bit encryption, the highest form of encryption currently available, to secure your Online Banking sessions. Whenever you see the padlock symbol in your browser, you know this security feature is active. Other security tools are in place to ensure the integrity of your data, including firewalls and filtering routers that secure computers from Online access and a "trusted" operating system, which protects information from both internal and external threats.

For additional security, customers select their own Personal Identification Number. PIN guessing is deterred by locking the ID out of the system following three unsuccessful logon attempts. These are just a few of the many security tools we use. These layers of security work together to make sure that all information transmitted between you and The Cornerstone Bank is both secure and authentic.

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Q How do I know if my browser has 128-bit encryption?
A

By clicking on the Test Browser button on our Home Page/Online Banking sign-on page.

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Q If I have a question about Online Banking whom should I call?
A

Telephone a customer service representative at 417 762-3257 Monday - Friday from 8:00 A.M. - 4:00 P.M. and Saturday 8:00 A.M. - 12:00 P.M.

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Q What do I need to gain access to Online Banking?
A

User ID, PIN, and Online access. The Online access could be at home or work. The browser must have 128-bit encryption. Using Online access from some company locations may not work because of the security that company has implemented for outside Online browsing.

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Q What does Online Banking cost?
A

Online Banking and Bill Payment are free to all customers at this time.

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Q What happens if I lose or forget my ID or PIN?
A

If you lose/forget your ID or PIN, telephone a customer service representative at 417 762-3257 Monday - Friday from 8:00 A.M. - 4:00 P.M. and Saturday 8:00 A.M. – 12:00 P.M.

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Q What services are offered through Online Banking?
A
  • Unlimited in the number and type of accounts to access.
  • Transfer funds between all checking and savings accounts (regulatory limitations may apply).
  • Transaction history on all deposit and loan accounts.
  • Check Imaging with front and back images on all cancelled checks.
  • Obtain account information on your Checking, Savings, CD's, Loan, and Safe Deposit Accounts.
  • Stop payment on checks drawn on your checking account at The Cornerstone Bank (stop payment charges may apply).
  • Download "real time" transactions from any accounts to industry standard money management software.
  • Bill Payment Option - access the designated checking account to pay bills

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Q Will Online Banking be available to me all the time?
A

It will be available virtually any time, day or night, 7 days a week. However, there may be times when it is temporarily unavailable due to nightly processing updates, or technical difficulties.

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Q Who can have Online Banking?
A

Any Consumer, Sole Proprietor, Partnership, Corporation or Government Institution can use Online Banking and Bill Payment. Contact a customer service representative at 417 762-3257 for more information!

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Q How can I get Online Banking?
A

Cornerstone Bank customers can start Online Banking by enrolling online or visiting any Customer Service Representative at any branch location.

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Bill Pay FAQs

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Q Are there any merchants that I cannot pay through the bill payment service?
A

Yes. Bill payment is limited to locations in the United States, Puerto Rico, US Virgin Islands, Guam and US Military in the Americas, US and Pacific.

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Q Can I have multiple payments to the same payee on the same day?
A

You can make multiple payments to the same payee as long as the payment amounts are different. For your protection, the system will not pay duplicate items in the same day.

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Q Can I edit merchant addresses?
A

No. In order to change a merchant address, you will have to set up a new merchant with the correct address and delete the entry with the incorrect address.

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Q Can I set up recurring payments?
A

Yes. You can set up recurring payments in the following frequencies:

  • Weekly
  • Bi-Weekly
  • Semi-monthly
  • Monthly
  • Quarterly
  • Semi-Annually
  • Annually

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Q Can I use Bill Payment if I live outside the U.S.?
A

Yes, as long as you have a checking account at The Corner Stone Bank; however, payments can only be made to locations in the United States.

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Q How do I know if a merchant is electronic or check?
A

Once you set up the merchant, you can look at the VIEW PAYEES screen, which includes a field that indicates if the merchant is electronic or check.

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Q How far in advance can I schedule payments?
A

You may schedule payments as far in the future as you want. Recurring payments can have an ending date of any year in the future.

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Q How far in advance should I set up a payment to insure it is paid on time?
A

Check payments should be scheduled at least 5 business days in advance of when you want the payment to be posted at the payee. Electronic payments should be made 3 business days in advance of when you want the payment to be posted at the payee.

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Q How late in the day can I edit or delete a payment?
A

You may edit or delete scheduled payments until 3:00 P.M. (Central) time the day before the scheduled payment date. For example, if a payment is scheduled for today, you may edit or delete the payment up until 3:00 P.M. today.

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Q How long is history retained in the VIEW PAYMENT HISTORY section?
A

Payment History records are kept for nineteen months.

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Q How many payees may I set up?
A

You may have unlimited payees.

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Q Is there any minimum and maximum payment amount?
A

No. There is no minimum amount. The maximum amount is limited to the balance in your account.

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Q What happens if I have a scheduled payment that falls over a weekend or holiday?
A

Scheduled payments that fall over a weekend will be processed on Friday evening prior to the weekend. Any new payments that are scheduled during the weekend, for the current weekend, will be processed at the end of day Monday. Holiday processing is done the business day before the holiday.

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