We provide checking accounts to fit your unique home or business. We also added a CrossSAV feature that is optional.
Want to Save Time?
Fill out our simple Switch Kit form prior to coming in to open your account!
Switch Kit
Blue Chip
Convenient & Secure
Online & Mobile with Interest
This account is our highest interest-bearing checking account with two simple requirements: 20 Visa Debit Card transactions per statement cycle (excluding ATM transactions) and electronic statements.
- No minimum balance requirement
- ATM refunds up to $10.00 (when requirements are met)
- Bill Pay online (optional)
- Round up your transactions with the CrossSAV feature (optional)
- Visa Debit Card with chip card security
- $50.00 voucher to be used for any Crossroads Bank service charge or fee
- Blue Chip Checking is available only for residents of Effingham and surrounding counties.
Basic Blue
Easy & Simple with Options
If you would rather not worry about meeting required debit card transactions, then Basic Blue is the account for you.
- No minimum balance requirement for students, military (active or veterans) or seniors age 62.
- Minimum balance requirement of $100.00 to avoid $3.00 monthly service charge
- Bill Pay online (optional)
- Round up your transactions with the CrossSAV feature (optional)
- Visa Debit Card with chip card security
- $50.00 voucher to be used for any Crossroads Bank service charge or fee
Coffee Club
Senior Account with Interest
Join the club for ages 55 or older with benefits and features just for you. No charge for notary service, money orders, trust or investment consultation and $3.00 off a safe deposit box. No charge to shred sensitive documents. So enjoy the benefits!
- Minimum balance requirement – $1,000.00 to avoid service charge fee
- Interest-bearing checking account
- Bill Pay online (optional)
- Round up your transactions with the CrossSAV feature (optional)
- Visa Debit Card with chip card security
- $50.00 voucher to be used for any Crossroads Bank service charge or fee
Money Market
Personal or Business
This account is an interest-bearing checking account designed for personal or business. You have the freedom to make a withdrawal, but transactions are limited to six during a one-month period (required by Federal Regulations).
- Minimum balance to open Money Market account – $1,000.00
- Interest-bearing checking account
- Bill Pay online (optional)
- Round up your transactions with the CrossSAV feature (optional)
- Visa Debit Card with chip card security
- $50.00 voucher to be used for any Crossroads Bank service charge or fee
Online Banking