Digital Banking frequently asked questions

Want to know more about how our NEW Digital Banking works? Read our FAQs to find out. And if you have additional questions, give us a call or stop in and we'll be glad to help you go digital!

Will Customers have to enroll again?

No, however there will be additional steps that need to be completed upon first login. 

1. First, enter your current Internet Banking User ID and Password. 

2. Then enter your Account Number, Account Type (checking/savings/loan/etc.), Date of Birth, and Zip Code. This is part of the authentication process. 

3. Next pick the type of authentication; this will be a call, text message, or e-mail with a random number that will be entered in to verify identity. The phone numbers or e-mail address that can be chosen are numbers currently in our system. 

4. Finally, select the existing user ID from the dropdown and create a new password. Passwords can be between 8 and 20 characters and must contain one of the following: an upper case letter, a lower case letter, a number and a symbol. 

Will my User ID be the same?

Yes, if you currently have a username and password it will stay the same with the new digital banking.

What happened to my security questions?

Security questions are no longer needed with the new technology that we have within our new digital banking platform.

Will my bookmark still work?

No, you will need to go to the login screen and save that page as your new bookmark, or you can copy this link and save it.

https://crossroadsonline.cbzsecure.com​

Will my recurring transfers continue?

Any transfer that was scheduled through the old online banking will need to be re-setup. Any transfer set up outside of your digital banking will not be affected.

Will my current Crossroads App still work?

No, the current app will no longer work. You will need to download the new app from your app store. 

Android Compatibility: Version 7.5 Kit Kat 4.4 and higher; Version 8.0 Lollipop 5.0 and higher

iPhone Compatibility: Version 7.5 – iOS 9.3 and higher; Version 8.0 – iOS 5.0 and higher

How does the new Digital Banking impact business customers?

There is a wider variety of services available to business customers in the new digital banking platform, because of this, there will be a separate link and app for business customers to use to sign into their digital banking.

What happens to NEW digital banking customers?

Any customer that has never used Crossroads Bank’s online banking before will need to click “New User? Register Here” on the website or app. Then, they can follow the prompts to enroll in the new digital banking.

Will Bill Pay information convert?

Yes, all payee and payment information will stay the same.

What is the difference between Bill Pay and Picture Pay?

Bill Pay is a third-party provider that allows customers to pay their bills all in one easy to use place. Picture Pay is separate third-party provider. Picture Pay gives customers the ability to easily take a picture of their bill, then easily make a payment. Bill Pay and Picture Pay have two separate lists of payees.

Will A2A information convert?

No, customers will need to re-enter and re-verify their external bank account information.

Do I still need to notify the bank if I've lost my card?

Yes, you can disable your card through the digital banking service, but you will still need to notify the bank to get a new card ordered.

Will my current account alerts transfer over?

No, you will need to into your settings  and setup new alerts. See our link “Setting Up Alerts” on our website in the “Digital Banking” section under the “Personal” or “Business” links on the homepage. There are alerts that will be automatic, such as, when your e-mail or phone number is updated.

What are the new features?


PIN/3D Touch Authentication- use a PIN or your devices authentication feature (finger print/Face ID) to log in to your digital banking

Debit Card On/Off- disable and enable your Crossroads Bank debit card at any time. You will still need to notify the bank if a new card needs ordered, or if there is fraud on your account.

A2A/P2P/C2C (DPX Pay) - Transfer money to an account you own at another financial institution (A2A), transfer money to someone – does not have to be a customer (P2P), transfer money to a fellow Crossroads Bank customer (C2C).

Profile Update- Update information, such as, e-mail address, mailing address, and phone number

Other Added Enhancements- View check images, attach pictures to transactions, print screens and easily change your password. Everything that’s available on your desktop is available on the app, plus many other great enhancements!

How do I endorse the back of my check for mobile deposit?

The back of the check needs to be endorsed as follows:   

For Mobile Deposit – Crossroads Bank                          

Your Signature