Want to earn 2.05% APY* on your checking account?

Finally a checking account that has it all!!

Crossroads Bank is pleased to offer Effingham First Checking. Effingham First Checking is an easy way to start earning interest on your checking account. Effingham First Checking pays account holders 2.05% APY on their balance $0 to $30,000, and .20% APY on their balance over $30,000. To qualify for the interest rate, you must meet two easy requirements:

  • Sign up to receive electronic statements
  • Have 20 Visa Debit Card transactions per statement cycle (excluding ATM transactions)

Want more??

  • Totally FREE Checking
  • Free Visa Debit Card
  • Free Internet Banking
  • Free Online Bill Pay
  • Free Electronic Statements
  • Free Telephone Banking
  • Even if you don't qualify during a statement cycle, your account still earns 0.10% APY interest.

If you already have an account with us, switching is easy. Just stop by and see one of our account specialists today!

Accounts must be open in person. Must present a valid picture ID at account opening.

*2.05% annual percentage yield (APY) paid on balances between $0 and $30,000, and .20% APY on all amounts above $30,000 each cycle the minimum requirements are met. If you do not meet the requirements per cycle, your account will still function as a free checking account earning .10% APY. The Annual Percentage Yield (APY) is accurate as of 1/1/2014. Rates are subject to change. The minimum deposit to open the account is $50. There is no minimum balance to obtain the APY. Visa Debit transactions must post to your account during the statement cycle in order to qualify. Available for personal accounts only.