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Community Banking in Kansas City

How to Get the Most Out of Your Banking Experience

Banking / September 30, 2021

Many people like the “idea” of community banking. In Kansas City, however, it may be difficult to understand all your options, simply because there are a lot to choose from. Not all banks are created equal, and not everyone’s needs are the same. Community banking in Kansas City has proven to be the right choice for a variety of people from various walks of life.

One of the biggest advantages of using a community bank in Kansas City is the personalized attention and recognition you receive. You just sleep better at night knowing that your finances are safe, secure, and watched over by someone that lives in your city.

What does a community bank do?

The short answer? Just about everything a big bank does, only without forgetting your name. Everybody wants to be somewhere everyone knows their name. It was true on Cheers and it’s true in real life, especially at your bank. Often, people get frustrated with being “just a number” and switch to a community bank.

You don’t have to sacrifice services or utility when you bank locally. Advantages such as online banking, mobile deposits, and access to a variety of loans are all available right where you live. 

At Cornerstone Bank, our team lives where you live. They sponsor your children’s soccer team, local charities, and causes that matter in your city.

The benefits of community banking

At a community bank, the teller that greets you, knows your name, and handles your deposit is your neighbor. The bank’s compliance officer hires your friends and family businesses for their services. The president leading the bank shops at the same grocery store you do. They’ll be seeing you out and around town. Cornerstone takes pride in contributing to the local community’s success.

Finding the bank that is right for you is an important decision with a lot of factors. Whether you are starting a family, a business, or planning for retirement, there is a lot to consider. Will you need to start a checking account for your daughter, will your business need to expand property or buy new equipment, or are you setting enough aside for your nest egg? These are all important questions to answer and a community bank can help you get set up in all the ways your life needs.

Does the bank offer ways to help you explore the types of accounts they offer?

When you’re looking for a community bank in Kansas City, it’s important to factor in your financial needs. Not everyone’s banking needs are the same, and it’s crucial to find a bank that is equipped to handle your specific needs. At Cornerstone Bank we offer a very helpful tool to help determine the best accounts and products for you. It’s quick, fast, and effective. Take a minute and see if Cornerstone would be a good fit for your banking needs with our accounts need tool.

For families

We offer a variety of accounts to suit your needs. Maybe it’s your child’s first bank account. These aren’t nearly as hard to set up as some people think. The main things you’ll need are your child’s social security number, your social security number and state ID (i.e. driver’s license or passport), All other personal details (name, address, contact information, date of birth, etc.); and an initial deposit (cash or check). At Cornerstone, opening a child’s bank account is easy.

For business owners

If you are a local business, Cornerstone Bank is a great community bank in Kansas City and has lots of advantages that can help many local business owners. Your business may need extra cash for operations. Cornerstone offers great business credit lines that can be utilized.

The ability to turn to your neighbors at a community bank in Kansas City has lots of upsides when you need a commercial loan. Whether you need more equipment as your business grows or maybe you need a new office space for your growing team of employees. Commercial loans are the way to go for businesses that need access to extra capital, with some of the lowest interest rates available and easy to manage terms usually ranging from 3 to 10 years. Cornerstone is here to help your expanding business.

Putting your extra money to work

For those looking for a return on savings that they have, money markets can be a great investment vehicle. Money markets offer several advantages. They can provide a higher return on investment while also being safer than many other investment vehicles, such as stocks and bonds, because the funds are insured and secured by the FDIC. There is no maturity date associated with the fund, so your investment can be easily accessed if needed as well.

Planning your retirement

Then there’s the event we all look forward to, retirement. Whether you feel prepared for the future or need some help in planning your retirement, a community bank is on your side. Cornerstone Bank offers a variety of options and can help chart a course for a successful retirement. Our friendly neighborhood bankers would love to help you make sure everything is in line.

Competitive rates

Cornerstone Bank offers competitive rates across the board on all investment vehicles and financial services. No matter where you  put your money in Cornerstone it can work for you. After all, we all want our money to work a little harder for us.

Wire Transfer

You may need to send wire transfers at an affordable rate comparatively to the rest of the industry. If you aren’t familiar with the use cases for wire transfers, get better acquainted and know Cornerstone offers attractive rates when compared to other financial institutions. Wire transfers can be used for transferring large sums, like in the purchase of a home or for transferring money internationally.

Red flags to avoid

While it is important to know what you’re looking for it is equally important to know what you should avoid. Closing branches, diminishing deposits, shrinking incentives, and layoff are just a few red flags to watch out for. There are many red flags you should avoid when searching for a new bank.

We all want to get the most bang for our buck but not at the expense of trust or quality of service. That’s why many people choose community banking in Kansas City. 

Peace of Mind

It just feels better to know the faces of the people that you entrust with your money. Nothing instills trust more than being able to call or show up to your bank and know exactly who you need to talk to. Bankers that know you and your personal and business banking needs. A team that has your best interest in mind. Professionals who live and work in your community. At Cornerstone Bank, the mission is clear— to positively impact people to help them achieve their aspirations by serving them first.

John Doull, Cornerstone’s founder and president, was once asked what he enjoys most about his job. His response tells you a lot about why a community bank in Kansas City is a superb choice for your banking needs. John said, “A local bank is like any other small business. The best part is that I get to help people, lead a good team, and successfully execute strategy with clients. I also enjoy meeting other local business owners in the community.” 

Frequently Asked Questions About Community Banking

Is there a mobile app available?

Mobile banking is an important thing to consider when choosing a bank, but a common misconception is that community banks don’t have access to this type of technology. The Cornerstone Bank mobile banking app is free to download and easy to use (your carrier’s standard text messaging and data rates apply). We encourage all customers to use this powerful tool to monitor their account, collect statements, and deposit checks. And of course, if there is ever an issue, your community bank’s team members will be ready to help.

What is CardValet?

CardValet is a helpful feature in maintaining the health of your bank account. With CardValet, every time a transaction occurs with your debit card, we send an alert to your phone. You won’t need to worry about missing an unauthorized purchase because you’ll know instantly. Just another way your Cornerstone Bank has your back. 

CardValet is available in the Google Play and Apple App Store for free!

Reporting An Unauthorized Debit Card Transaction

In the unlikely event you discover an unauthorized debit card usage, your community bank would help. Simply stop by the branch and a member of the operation team will sort out the issue quickly and effectively.

How Many Months of Bank Statements Are Available Online?

You can view and print up to two years from the current date. Anything beyond two years old must be requested in person or over the phone at 913-239-8100.

Full List of Frequently Asked Questions→

Looking for a community bank in Kansas City? Choose Cornerstone Bank. 

More than anything, our bankers are eager to help you with all 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.

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