Checking solutions that put you first

Checking accounts are an everyday financial tool that most folks 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 surcharge-free access to MoneyPass® ATM Network
  • FREE Digital Banking and Bill Pay
  • FREE eStatements
  • FREE thank you gift*
  • Buy back of your unused checks and debit cards from another financial institution**
  • Discount on consumer loans with auto payment***
  • Reduced closing costs on any new mortgage***
  • FREE ClickSWITCH service to assist you in transferring your direct deposit and recurring payments
  • Overdraft protection available

Compare Your Options:

Checking Comparison

Best for:A no-nonsense, free accountEarning interest with direct deposit or auto-payGetting a higher rate on larger balancesCustomers 50 and over
Earns InterestYesYes (tiered)Yes
Monthly Service Fee$0$0$10 (if balance drops below min. balance)$0
Free eStatementsYes+Yes+YesYes
Minimum Balance to Avoid a Monthly Service Fee$0$0$5,000 $0
Free MoneyPass® ATM NetworkYesYesYesYes
Free Personalized ChecksFirst order onlyFirst order onlyYesYes
Overdraft Protection AvailableYesYesYesYes
Discount on Safety Deposit BoxNoNo25%25%
Discount on consumer loan with auto pay***YesYesYesYes
Reduced closing costs on any new mortgage***YesYesYesYes

Other fees such as non-sufficient funds, overdraft, etc. may apply. See fee schedule for details. Minimum opening deposit is only $50. Ask us for details. 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.

++ May Convert to another checking account if a monthly Direct Deposit or Automatic Payment is not made.

+ 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.


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