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Checking Accounts

Put Your Checking Balances To Work

Put Your Checking Balances To Work

Corestone® is a check writing feature available to owners of Pershing non-retirement accounts.  Corestone® accounts combine checking, debit card, bill payments and investing.  A variety of sweep options are available to put your cash to work.  Allocate your available balance to a choice of:

  • Investment options from industry leading money market funds
  • FDIC-insured bank deposit sweep products

Corestone® Checking From Pershing

Silver

Unlimited Check Writing

Direct Deposit

Voice Response Service

Bill Payment 

$25 Annual Fee, waived with maintaining $25,000 balance or more

Silver Plus

Unlimited Check Writing

Direct Deposit

Voice Response Service

Bill Payment

Visa Debit Card

24/7 Customer Service

Daily Cash Withdrawal Limit $500

$50 Annual Fee, waived in the first year

Gold

Unlimited Check Writing

Direct Deposit

Voice Response Service

Bill Payment

Visa Debit Card

24/7 Customer Service

Daily Cash Withdrawal Limit $1,500

$25,000 Daily Card Transaction Limit

Expense Coding

Cost Basis

Free Year End Statement

Free Dividend Reinvestment

$100 Annual Fee, waived in the first year

Fee Reimbursement on non-network ATM up to $5 monthly

Platinum

Unlimited Check Writing

Direct Deposit

Voice Response Service

Bill Payment

Visa Debit Card

24/7 Customer Service

Daily Cash Withdrawal Limit $3,000

$25,000 Daily Card Transaction Limit

Expense Coding

Cost Basis

Free Year End Statement

Free Dividend Reinvestment

RewardSuite Benefits $1 = 1.5 points

Free Stop payment

Concierge Service

$150 Annual Fee, waived in the first year

Fee Reimbursement on non-network ATM up to $10 monthly

From Leading Financial Institutions

Lincoln Investment, broker/dealer, member FINRA/SIPC, is Broker/Dealer or Registered Investment Adviser.  Lincoln Investment has over 55 years of proven industry leadership in delivering financial strategies.  As of 12/30/2023, Lincoln Investment serves the diverse financial needs of over 335,000 clients representing $46 billion in assets.  Click here to learn more about Lincoln Investment.

Brokerage custody provided by Pershing LLC, member FINRA NYSE SIPC , a BNY Mellon company.  Bank custody provided by BNY Mellon, N.A, member FDIC.  Pershing has more than 85 years of providing clearing and custodial solutions.  As of 09/30/2023, Pershing has custody of over $2 trillion in assets, while BNY Mellon provided custodial services or administered over $45 trillion in assets.  Click here to learn more about BNY Mellon / Pershing.  BNY Mellon is the corporate brand of The Bank of New York Mellon Corporation and may be used to reference the corporation as a whole and/or its various subsidiaries.

Funds Availability

Funds must be available in cash (cleared and settled) in order for checks to clear.  ACH and check deposits into Pershing accounts take 5 business days to clear, funds received by wire are immediately available for withdrawal, and any trades must be settled (typically 1 business day for mutual funds or 2 business days for stocks or ETFs) to ensure payment. 

Funds deposited either via Automated Clearing House (ACH) or check are not immediately available for withdrawal, as each require a 5 business day clearing period. Wires are encouraged for larger deposits, as the funds are immediately cleared.  Please remember that ACH deposits carry risks of being returned or recalled, and are designed for smaller and more frequent transactions. 

Put Your Available Cash To Work For You Conveniently

With a Pershing/Corestone account, your cash balances may be allocated to a choice of money market funds or FDIC bank sweep products, earning a competitive rate while on deposit.   There is no need to transfer funds from a checking account to a separate savings or money market account, as your balance is already allocated to the money market or FDIC bank sweep account.

If you wish to invest a portion of your checking account to investments, these may be allocated in the same account.  No need to transfer funds between your checking and non-retirement investment account.   A conversation with your Advisor is all that is needed to reallocate a portion of your checking to investments. 

A Consolidated View Of Your Finances 

Your Pershing / Corestone account appears in all of our reporting, including your investment accounts.   

To view your checking account information, you may login to NETXInvestor(R) to view your  balance and transactions.

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