Experience the ease, security and benefits of banking where you borrow. 

Fremont Bank is a full-service community bank founded in building lifelong relationships with our clients. Our products and services reflect this commitment to giving our clients a superior banking experience. We've created Cornerstone Checking for clients who bank where they borrow.

Become a Cornerstone Client.

The foundation of a banking relationship is often a home loan and a checking account. When you open a Fremont Bank Cornerstone Checking account and establish Automatic Loan Payments to your Fremont Bank first mortgage, or Home Equity Line of Credit. You’ll be offered premium benefits, member only promotions and ongoing rewards*.

Earning rewards is easy! Here's how to earn $270* in Rewards during the first year:

Membership Rewards


Open a new Cornerstone Checking account and receive up to $150 in new account rewards1 when you complete the following activities within 60 days of account opening:
  • Direct Deposit: Earn $50 when you establish a recurring direct deposit of $500 or more.2
  • Bill Pay: Earn $50 when you complete two or more online bill payments.3
  • Debit Card: Earn $50 when you make 25 or more qualifying debit card purchases.4

Monthly Rewards


Receive $10 each statement cycle you are enrolled in Automatic Loan Payments and complete 3 of the following qualifying activities5 on this account:
  • Receive account e-Statements.6
  • Receive a recurring Direct Deposit of $500 or more.2
  • Make at least one online bill payment.3
  • Make 5 or more qualifying debit card purchases.4
Up to $120 annually, year after year!*


Plus, you'll enjoy these exclusive benefits:

Mortgage > A rate discount on your Home Equity Line of Credit with Automatic Loan Payments7
Debit Card > Cornerstone Debit Card with increased limits

Apply Now

Accounts are subject to approval. The terms of the account, including any fees or features, may change. See the Deposit Account Agreement and Account Terms and Conditions Schedule of Fees and Charges for the terms and conditions associated with the product.

*Rewards will be credited to the account and reported as interest and Fremont Bank may issue an Internal Revenue Service Form 1099 (or other appropriate form) to you that reflect the value of the account credit.

1 Offer valid for new Fremont Bank Cornerstone personal checking clients only. Clients who currently have a personal checking account with Fremont Bank as a primary or secondary account holder are not eligible for this bonus.

2 A Direct Deposit of your salary, pension, Social Security, or other regular monthly income electronically deposited to your account. Transfers from one account to another, or deposits made at a branch or ATM, do not qualify as a Direct Deposit.

3 Electronic bill payments using Bill Pay You must be enrolled in Online or Mobile Banking to activate and use Bill Pay.

4 A qualifying debit card transaction is defined as a point-of-sale (POS) purchase transaction using your PIN (Personal Identification Number), purchases you sign for, internet, phone and mail order purchases, small dollar purchases that do not require a signature or PIN, and bill payments where payee processes the transaction as a credit transaction. Qualifying transactions from same account but with different cards are combined. Transactions that do not qualify include ATM transactions, cash transactions and refund/return transactions.

5 To be deemed qualifying, all qualified activities must post to the account during the statement period.

6 e-Statements (electronic statements) are free but you must enroll in Online Banking and have a working connection to the internet with email capability. If you cancel e-Statements, your account will be subject to the paper statement fee beginning with the end date of the statement period in which e-Statements are cancelled.

7 Receive a 0.50% interest rate discount for maintaining automatic loan payments (ALP) from a Fremont Bank personal checking account. ALP discount only applicable as long as automatic payments are set up from a Fremont Bank personal checking account. Only one ALP discount per home equity line of credit will apply. The removal of any discount will increase the rate.