Checking

Checking Accounts

Having access to your money has never been more important. By choosing a checking account from Cross County Savings Bank, you'll get the convenience and security that meets your standards. Our accounts come with a variety of conveniences that include a Visa® Instant Issue Debit Card with chip technology, Online Banking with Bill Pay, Direct Deposit, Mobile Banking and more. With different types of accounts for all ages, we have products that are tailored to your every need.

Free Checking1

Minimum Opening Deposit $1.00
Interest Bearing Account No
Online Banking with Bill Pay Yes
Direct Deposit Yes
Mobile Banking Yes
Visa® Instant Issue Debit Card with Enhanced Security of Chip Technology Yes
Overdraft Yes

Interest Checking1,5

Minimum Opening Deposit $1.00
Interest Bearing Account Yes
Minimum Balance to Obtain Annual Percentage Yield (APY) $1.00
Maintenance Service Charge $1.50
Online Banking with Bill Pay Yes
Direct Deposit Yes
Mobile Banking Yes
Visa® Instant Issue Debit Card with Enhanced Security of Chip Technology Yes
Overdraft Yes

Model Safe Checking1

Minimum Opening Deposit $1.00
Interest Bearing Account No
Check Writing Privileges  No
Online Banking with Bill Pay Yes
Direct Deposit Yes
Mobile Banking Yes
Visa® Instant Issue Debit Card with Enhanced Security of Chip Technology Yes
Overdraft No

Preferred Checking1,5

Minimum Opening Deposit $7,500.00
Interest Bearing Account Yes
Minimum Balance to Obtain Annual Percentage Yield (APY) $7,500.00
Maintenance Service Charge (if balance falls below $7,500.00) $1.50
Online Banking with Bill Pay Yes
Direct Deposit Yes
Mobile Banking Yes
Visa® Instant Issue Debit Card with Enhanced Security of Chip Technology Yes
Overdraft Yes

Senior Advantage Checking1,2,3,4

Minimum Opening Deposit2 $5,000.00
Interest Bearing Account No
Monthly Maintenance Fee3 $10.00
Online Banking with Bill Pay Yes
Direct Deposit Yes
Mobile Banking Yes
Visa® Instant Issue Debit Card with Enhanced Security of Chip Technology Yes
Safe Deposit Box4 Yes
Overdraft Yes
 

Visit a local branch today for a comprehensive evaluation to determine which accounts are right for you.

Current Rates


1. Additional terms & conditions apply.  Please see Account Terms & Conditions for more information.  Rates, terms and fees are subject to change at any time.  Other terms, conditions, and restrictions may apply.
2. Minimum initial deposit must be new monies in order to open this account. 
3. A monthly Senior Advantage Maintenance Fee will be charged after a two (2) statement cycle grace period, unless the account meets the following conditions: (i) direct deposit(s) is(are) established into this account in the aggregate minimum amount of $500.00 per statement cycle; and (ii) a minimum daily average balance of at least $5,000.00, in the aggregate of all accounts, is maintained by the primary account holder at Cross County Savings Bank.
4. 10% off the Annual Safe Deposit Box Rental Fee for a 2x5 size box only (subject to availability).
5. Fees may reduce earnings.