Your banking experience should always work for you, no matter the outside circumstances. When a bank can adapt to unforeseen changes to provide the best customer service possible, then you know they will always put your needs first.
Our bankers at Cornerstone Bank believe our customers should never have to compromise what they need or worry about their financial transactions. If you’re looking for banks open near you in Kansas City, we offer all the capabilities required to succeed. Cornerstone Bank has discovered effective solutions to maintain normal operations to keep our customers at ease.
You don’t have to cut corners, and if your bank isn’t fully functioning right now, making the switch to a different bank could do wonders for your day-to-day banking needs!
Does your bank offer mobile banking?
Wouldn’t it be nice to complete your transactions wherever you are for complete contactless banking? Instead of constantly searching for banks open near you, you wouldn’t have to worry about whether the office was open.
Note: Cornerstone Bank is currently open from 8:00 a.m. to 5 p.m. Monday through Friday.
What is mobile banking?
Mobile banking is just how it sounds! Any time you use a mobile device, such as a smartphone or tablet, to perform financial transactions, you’re mobile banking. This may include checking your account balances, opening new accounts, depositing checks, and even transferring funds.
Within mobile banking there are typically three main categories:
- SMS Banking: SMS banking works via text messaging, making it easier to complete tasks through simple commands. A huge benefit of SMS banking is the ability to stay up-to-date about your accounts at all times without having to open an app. For example, your bank could alert you when your balance goes below a certain amount, potential fraud, and any other important information.
- Mobile Web Browsers: Whenever you’re searching for a bank near you, always, always, always take a look at their website first. Remember, a great bank will strive to make your life easier, and that means optimizing their site for mobile banking. With mobile browsers, you can visit your bank’s website in the same way you’d use a computer.
- Banking Applications: Mobile banking apps give you quick and easy access to your banking information—literally it’s all done in a touch of a button. Since apps are designed to display on mobile devices, you won’t have to worry about slow loading times or buffering. Keep in mind the effectiveness of your app will depend on the quality of your Wi-Fi or cellular data. You can check to see if your bank has an app via your phone’s app store. (Hint: Cornerstone Bank has one!)
How does your bank allow you to make deposits?
Whether you have a checking account, savings account, money market, or whichever account option works best for you, your bank should provide multiple ways to deposit your money. Now more than ever, not everyone wants to visit their local branch or even drive to their bank’s ATM. A bank should understand your concerns to cater their services to your needs.
So what does this mean?
You shouldn’t have to wait until your bank is open to make deposits. At Cornerstone, we’re all about convenience and making our customers’ lives easier. Life can be stressful enough, especially with an ever evolving environment, so we go above and beyond to take care of you!
Whenever you need to store your finances, you can deposit money via:
- Our Overland Park office
- Our night drop for after hour deposits
- The Cornerstone Bank Mobile App
At the end of the day, we want to incorporate banking into your daily life rather than interrupt it. Therefore, if you want to deposit a check without ever leaving your house, go for it! Mobile and online banking make deposits hassle free.
Quick tips: How to deposit a check using a mobile app
Step One: Endorse the check
You always want to sign the back of your check, even if you’re doing a mobile deposit. For security reasons, it’s best to match the signature you always use (no need to suddenly switch up your John Hancock!) When depositing a check via the Cornerstone Bank app, you must follow our restrictive endorsement for mobile deposits guidelines.
The endorsement should include:
- “For mobile deposit, Cornerstone Bank”
- Your signature
- The last four digits of your account number
- The date
Step Two: Open the app
Now that the check is endorsed, you can head on over to your phone. A secure bank will require a login every time you launch the app. However, new technologies, such as facial recognition, make accessing your account faster and more secure; plus, you don’t have to constantly type in your password.
Step Three: Deposit the check
It should be easy to spot the option to deposit the check. When you’re preparing your check, make sure you lay it flat on a surface that contrasts with the color of your check (i.e. a dark countertop). The app will allow you to take a picture of the front and back of the check, then you can manually type in the deposit amount.
Step Four: Dispose the check
Don’t leave the check lying around. First, void it out, then after a few days, shred it. We recommend waiting a couple of business days for the bank to process your deposit before destroying your check. In most cases, the money will not appear in your account right away.
Will your bank consider your specific needs?
As situations change, your finances may not be as stable as they once were, and that’s okay! A bank focused on not only understanding, but working with you and your unique circumstances makes a huge difference. One of the best ways to go about finding the open banks near you is by searching for a local bank in Kansas City.
Why choose local?
On a personal basis, local bankers can make custom solutions based on your specific needs. This is a huge perk when applying for loans or opening up a new credit card. A local bank will listen to you instead of only looking at numbers.
At a local bank, you won’t just be another faceless account number; you will truly be a person who matters to your bankers. Smaller banks typically have fewer customers, allowing them to provide more in-depth service and personalized care.
Service-wise, we can’t talk about other local banks, but we can definitely tell you what to expect when you visit our Overland Park office. From the moment you walk in, you are welcomed as part of the Cornerstone family. If it’s your first time, we’ll have a one-on-one conversation to talk to you about your finances, goals, and offer suggestions on how we can help. Then the next time we see you, we’ll greet you by name, just as we do with every customer.
With us, you don’t have to worry about trudging through automated phone prompts; you will speak to a real banker who’s happy to help. Even after we close, our bankers provide their personal phone numbers in case you have questions and concerns on the weekends and after hours. At the end of the day, your banking experience is important to us, and we want to make it as stress-free and simple as possible—that’s the Cornerstone difference.
Does your bank act as a financial resource?
There’s regular banking, and then there’s banking that strives to help you achieve financial success. Just because a bank may technically be “open,” it doesn’t mean it is capable (or even wants to) become your personal guide. Wouldn’t you want to choose a bank that will do whatever it takes to help you reach your financial goals?
Here’s our rule of thumb: A bank shouldn’t simply hold your money; it should also grow your money.
Never believe you have to make big financial decisions alone, especially when a bank is full of experts who hold tons of useful knowledge. Just because times may be different, doesn’t mean your bank should only run on barebone operations.
At a local bank like Cornerstone, you get the chance to gain individualized advice about things such as:
- How to use home equity
- Ways to save money
- How to open an online bank account
- Saving money for college tuitions
- How to prepare for an out-of-state move
- Best practices to increase credit score for businesses
- When to use a credit card vs. a debit card
- And more!
When you’re able to turn your bank into a personal financial advisor, you may find your money goes a lot further, you decrease your debt, and you become more financially secure.
Looking for open banks near you in Kansas City? Choose Cornerstone Bank.
More than anything, our bankers are here to help you with any of your financial needs. Since 2001, we have been a primary resource for our customers across the Kansas City metro and the country. We take pride in watching our customers thrive, no matter who you are.
We always put our customers first, and that means giving them the best banking has to offer. We don’t believe in simple banking; rather, we go above and beyond to help our customers make their money work for them.
For more information, visit our Overland Park office or give us a call at 913-239-8100 to let us know how we can help.