Checking
Checking solutions that put you first
Checking accounts are an everyday financial tool that most people rely on to keep their finances running smoothly. At Crossroads, it’s easy to make the right choice. We give you all the features you need with plenty of free extras.
All our personal checking accounts include:
- FREE Debit Card with fraud monitoring and FREE access to MoneyPass® ATM Network and Digital Wallet Capabilities
- FREE Digital Banking and Bill Pay
- FREE Mobile Banking with Mobile Deposit
- FREE eStatements
- FREE first order of personalized checks
- FREE ClickSWITCH service to assist you in transferring your direct deposit and recurring payments
- FREE thank you gift*
- Buy back of your unused checks and debit cards from another financial institution**
- Discount on consumer loans with preauthorized automatic payments from a Crossroads Bank deposit account***
- Overdraft protection available
Compare Your Options:
Checking Comparison
| EASY | COMMUNITY ADVANTAGE+ | PREFERRED RATE | 50 ADVANTAGE | |
|---|---|---|---|---|
| Best for: | A no-nonsense, free account | Earning premium interest by meeting monthly requirements | Getting a higher rate on larger balances | Customers 50 and over |
| Earns Interest | No | Yes (tiered) | Yes (tiered) | Yes |
| Monthly Qualifications to Earn Interest | Receive at least $1,000 in direct deposits, and make at least 10 debit card transactions, and enroll in and receive eStatements | |||
| Monthly Service Fee | $0 | $0 | $10 (if balance drops below min. balance) | $0 |
| Free eStatements | Yes++ | Yes++ | Yes | Yes |
| Minimum Balance to Avoid a Monthly Service Fee | $0 | $0 | $5,000 | $0 |
| Minimum Deposit to Open Account | $50 | $0 | $50 | $50 |
| Free MoneyPass® ATM Network | Yes | Yes | Yes | Yes |
| Free Personalized Checks | First order only | First order only | Yes | Yes |
| Overdraft Protection Available | Yes | Yes | Yes | Yes |
| Discount on Safety Deposit Box | No | No | 25% | 25% |
| Discount on consumer loans with preauthorized automatic payments from a Crossroads Bank deposit account*** | Yes | Yes | Yes | Yes |
Other fees may apply. Ask us for details and fee schedule. Federal and State Banking rules and regulations apply.
Offer good on personal accounts only; ask us about our outstanding options for your business or organization.
*Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. We reserve the right to substitute a gift of similar value.
**Up to $10 for debit cards and unused checks from another financial institution given at the time the checks/debit cards are presented.
***Account must be open prior to loan origination. Interest rate reduction offered with loan applications for non-mortgage consumer titled collateral loans.
+To qualify for interest during a statement cycle, the account holder must receive a minimum total of $1,000.00 in qualifying ACH deposits that post and settle to the account during the statement cycle, and complete at least ten (10) qualifying debit card transactions that post and settle to the account during the statement cycle, and be enrolled in and receive electronic statements (eStatements) for the statement cycle. Failure to meet any of the qualification requirements will result in the account not qualifying for interest for that statement cycle. If the account is closed before interest is credited, you will not receive the accrued interest. Community Advantage Checking account statements are issued using an End-of-Month (EOM) cycle. Only one (1) Community Advantage Checking account may be maintained per individual Social Security Number (SSN) in which the individual is designated as the primary owner.
++ Enroll in FREE eStatements to avoid a $3.00 monthly Paper Statement Fee. First two paper statements following the opening of the account at no cost to you. Beginning with the third paper statement following the opening of the account, a $3.00 Paper Statement Fee will be charged to the account for each additional paper statement.
