Crossroads Bank provides merchants with the finest point of sale terminals and accessories, applications software, service, and support. We do this through the help of Approval Payment Solutions, Inc. (APS). APS offers the broadest range of products and services including: credit card processing, debit card processing, EBT and electronic check verification. APS prides itself in having everything you need in a bankcard program, from quick authorization to detailed end of the day reports. Together with APS, Crossroads Bank feels it has a competitive edge over other credit card programs being offered in the Effingham County area.