Ahhhh, can’t you just hear Ol’ Blue Eyes crooning that famous tune? Well now it’s more than a song... more than a movie… it’s a special club at Crossroads Bank!

Maybe we can’t make your fairy tales come true, but we can guarantee you good times, good friends and lots of free and discounted banking services.

• Learn More
• Account Specifics
• Calendar of Events

 
 

“Life gets more exciting with each passing day...”
when you enjoy our discounted travel, tours and local events.

Probably the most exciting benefit of the Young at Heart Club is our trips. Planned especially for our members, these trips will take us to points of interest near and far. You’ll travel to ball games, dinner theaters, plays, art exhibits, festivals and even a few faraway lands with your fellow Young at Hearts.

We’ll also hold special events locally for our members. You’ll enjoy parties, picnics, dances, dinners and get togethers right here in Effingham.
 

 

“For as rich as you are...” you’re even richer by far with Young at Heart Club Checking.

Young At Heart Club checking account earns interest and there is never a service charge. Your first box of Young At Heart style checks is free. For additional information ask one of our account representatives.

“For it’s hard, you will find, to be narrow of mind...”
with all the entertaining and informative “Coffees” we offer.

In addition to our great trips and free and discounted services, we present “Coffees”. Held locally, our “Coffees” offer opportunities to meet and visit with other Young At Heart Club members and hear entertaining and informative program presenters. Example “Coffee” programs are:

• “Right Here At Home” tours of local places of interest
• Crime Prevention, be safe at home and while traveling
• “What’s That?” computer class
• Informative seminars on bank services
• Health programs and free health screening
• AARP Senior Safe Driving to reduce insurance cost.

As a Young At Heart Club member, you will receive the Club newsletter announcing the great trips and “at home” activities.

“And here is the best part, you have a head start...”
with your own personal banker.

Call your Young at Heart Club personal banker when you need help or information. By dealing regularly with the same person, you’ll have a head start and save valuable time. Your personal banker can answer your questions, find solutions or direct you to the appropriate person or department.

“And if you should survive to a hundred and five, look at all you’ll derive...”
from being a Young at Heart Club member.

You’ll be entitled to all kinds of free and discounted bank services, developed just for Young at Heart Club members!

• Free semi-annual bank newsletter
• Free traveler’s checks
• Free money orders
• Free photocopies (limited quantities)
• Free notary service
• Free license sticker renewal service
• $3.00 discount on one year’s lock box rental (any size)
• Free membership identification card

“If you are among the very young at heart…” join today!

To become a member of our club, you or your spouse must simply:

• be 49 or better and
• maintain a balance of $2,500 or more in any combination of the following accounts: savings account, certificate of deposit or Individual Retirement Account.

Of course, it doesn’t hurt if you’re a Frank Sinatra fan! For more information, call the Young at Heart Club personal banker at Crossroads Bank, (217) 347-7751 or (217) 342-4422.

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Account Specifics

• Minimum balance to open the account - Your deposit relationship with the bank must total $2,500.00 in any combination of savings accounts, Certificates of Deposits, or Individual Retirement Accounts to open this account.
• Accrual of interest on noncash deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
• Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Compounding and crediting frequency: Interest will be compounded every month. Interest will be credited to your account every month.
• Rate information: Your interest rate and annual percentage yield may change.
• Frequency of rate changes: We may change the interest rate on your account at any time.
• Determination of rate: At our discretion, we may change the interest rate on your account.
• Effect of closing an account: If you close your account before interest is credited and the accrued interest is less than $1.00, you will not receive the accrued interest.

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