Funds Transfer


Debit Cards

Our card goes beyond conventional checking

Most checkbooks can only do one thing - checking. Our VISA® Check Card does this and much more. VISA Check Card gives you a faster, more economical, more convenient way to buy the products and services you need. That's because it allows you to withdraw funds from your checking account without ever having to write out a check. You can purchase groceries, gas, or anything else wherever VISA® is accepted. Plus, VISA Check Card performs all the functions of an ATM card. It's a checking-withdrawing-depositing-and-transferring-funds card all in one.

Fast and one-step easy

Forget having to round up your checkbook, a pen, and two forms of identification. With VISA Check Card, every purchase is as simple as using a credit card.

Worry free when you're out of town

No need to worry about getting your checks cashed out of town. VISA Check Card is accepted wherever VISA® is accepted. You'll be welcomed like a local every place you travel.

Provides all the advantages of an ATM card

Need to deposit, withdraw, or transfer funds? No problem. VISA Check Card gives you access to all these services.

Economical and ecological

Eliminate the need to purchase checks (and the risk of running out when you're at the checkout). VISA Check Card saves money in check printing fees while it saves valuable resources.

Safeguarded if lost or stolen

When you receive your VISA Check Card, you'll also be assigned a Personal Identification Number (PIN). It's added security against someone making transactions without your consent. As an added safeguard, we provide a cap on your liability if your card is lost or stolen.

To apply, please contact us.

Verified by Visa

Your Visa card is now protected by Verified by Visa — it password protects your card for free. The next time you shop at participating online stores, enter the information requested to activate your card in order to complete the transaction. Your card will then have password protection whenever you shop online at participating stores listed at www.visa.com/shopverified.

 



ATM Cards
  • Crossroads Bank ATM cards provide you with convenient access to cash at any one of thousands of ATMs.
  • The bank’s ATMs are conveniently located:
    • in the last drive-up lane at our 2000 S. Banker Street and
    • in the last drive-up lane at our 806 N. Keller Drive location.
  • Your withdrawal limit is $300.00 in a 24 hour period.
  • Networks that we are associated with are NYCE, MasterCard, Cirrus, PLUS, VISA, American Express Cards, Pulse, NOVUS and Maestro.

Please contact us for additional information.


Surcharge Free ATM Network

We have joined an alliance of community banks, which are offering customers a surcharge free ATM network.

Listed are the locations you can now use your Debit Card or ATM, issued by our bank, free of charge. What that means for you is there will be no surcharge at the ATM you are using, nor will there be a charge from us for using that ATM.

Once again, we are focusing on our customer's needs and creating advantages for our customers by working together with other community banks.

Let us know how you like the "Surcharge Free Network". We are very excited to offer this service to you, our valued customer.

Bank Name
ATM Location
City and State
Midland States Bank
5 W Lincoln
Altamont, IL
Eagle Bank
1334 Jeffco Blvd
Arnold, MO
Eagle Bank
3944 Vogel Road
Arnold, MO
The Bank of Bolivar 495 South Springfield Bolivar, MO
The Bank of Bolivar 2126 W Broadway Bolivar, MO
Eagle Bank 2521 South Brentwood Brentwood, MO
Bank & Trust Litchfield, IL
900 W Main
Carlinville, IL
Midland States Bank
811 12th Street
Carlyle, IL
Eagle Bank
6710 Old Hwy 30
Cedar Hill, MO
Midland States Bank
200 S Poplar
Centralia, IL
Citizens National Bank 1810 Lincoln Ave Charleston, IL
Citizens National Bank 602 W Lincoln Charleston, IL
Bank & Trust Litchfield, IL
10 Plummer Blvd
Chatham, IL
Reliance Bank
17263 Wildhorse Creek
Chesterfield, MO
United Community Bank of West KY
54 Wearin St
Clay, KY
Business Bank
8000 Maryland Ave
Clayton, MO
Security National Bank 501 Main Coffeen, IL
Premier Bank
15 S 5th St
Columbia, MO
Premier Bank
3200 Golden Bear Drive
Columbia, MO
FirstService Bank
9895 Watson Rd
Crestwood, MO
Royal Banks of Missouri
13171 Olive Blvd
Creve Coeur, MO
First National Bank 129 Maple Street Dana, IN
Prairie State Bank & Trust 1000 W Pershing Decatur, IL
Reliance Bank
11781 Manchester Road
Des Peres, MO
Eagle Bank
12940 State Route 21
DeSoto, MO
Mid America Bank & Trust Company 216 West 2nd Street Dixon, MO
Crossroads Bank
806 N Keller Drive
Effingham, IL
Crossroads Bank
2000 S Banker St
Effingham, IL
Midland States Bank
IGA Store Branch
Effingham, IL
Midland States Bank
2911 S Banker
Effingham, IL
Midland States Bank
133 W Jefferson
Effingham, IL
First State Bank RT 45 Hwy 142 Eldorado, IL
First National Bank 1010 W Buena Vista Evansville, IN
The Bank of Bolivar 40 North Main Fair Grove, MO
Midland States Bank
Walnut and Madison
Farina, IL
Bank & Trust Litchfield, IL
108 S Cleveland
Farmersville, IL
Reliance Bank
1000 S Highway Drive
Fenton, MO
Eagle Bank
680 S Mill
Festus, MO
Reliance Bank
1001 Howdershell Road
Florissant, MO
Commercial State Bank Waterloo
201 Sleeping Indian Dr
Freeburg, IL
Commercial State Bank Waterloo
500 N State
Freeburg, IL
Royal Banks of Missouri
9990 Manchester Road
Glendale, MO
Midland States Bank
318 West College
Greenville, IL
Midland States Bank
315 E College Ave
Greenville, IL
Farmers & Merchants Bank
Highway 61 North
Hannibal, MO
Farmers & Merchants Bank
505 Broadway
Hannibal, MO
Farmers & Merchants Bank
3914 Market St
Hannibal, MO
Hannibal National Bank (HNB)
2903 Palmyra RD
Hannibal, MO
Hannibal National Bank (HNB)
120 N Main
Hannibal, MO
Hannibal National Bank (HNB)
804 Mark Twain Av
Hannibal, MO
Hannibal National Bank (HNB)
2859 James Rd
Hannibal, MO
Hannibal National Bank (HNB)
8503 Hwy 36
Hannibal, MO
Commercial State Bank Waterloo
130 S Main
Hecker, IL
Henderson National Bank
208 N Main Street
Henderson, KY
Henderson National Bank
2950 US HWY 60 E
Henderson, KY
Henderson National Bank
1850 2nd Street
Henderson, KY
Eagle Bank
4560 Gravais Village
High Ridge, MO
First Community Bank
400 S Main St
Hillsboro, IL
First Community Bank
807 S Main St
Hillsboro, IL
Security National Bank 2116 School St Hillsboro, IL
Eagle Bank
10596 State Road 21
Hillsboro, MO
Eagle Bank
4552 Hunter Lane
House Springs, MO
Eagle Bank 4675 Gravois Road House Springs, MO
Security National Bank Route 16 & Maple Irving, IL
Bank of Springfield 1701 West Morton Ave Jacksonville, IL
Premier Bank
815 W Stadium Blvd
Jefferson City, MO
Premier Bank
200 Madison Ave, Suite
Jefferson City, MO
Premier Bank
3525 Missouri Blvd
Jefferson City, MO
Premier Bank
905 Eastland Dr.
Jefferson City, MO
Eagle Bank
1052 S Kirkwood Road
Kirkwood, MO
Bank & Trust Litchfield, IL
Route 16 & Route 66
Litchfield, IL
Bank & Trust Litchfield, IL
401 N Madison
Litchfield, IL
First United Bank
162 N Main St
Madisonville, KY
First United Bank
1080 N Main St
Madisonville, KY
First United Bank
Parkway Plaza Mall
Madisonville, KY
Farmers Bank and Trust Company 201 South Main Marion, KY
Farmers Bank and Trust Company 204 North Main Marion, KY
Citizens National Bank IL RTE 1 and I-70 Marshall, IL
United Community Bank of West KY
500 N Morgan
Morganfield, KY
First National Bank 205 E Jefferson Mt Pulaski, IL
Prairie State Bank & Trust 340 Main Street Mt Zion, IL
Prairie State Bank & Trust 2028 Mt Zion Road Mt Zion, IL
Security National Bank 221 W State Road Nokomis, IL
Citizens National Bank 110 W RTE 1 and I-70 Oakland, IL
Bank Of O'Fallon
901 S Lincoln
O'Fallon, IL
Bank Of O'Fallon
102 St Ellen Street
O'Fallon, IL
Reliance Bank
2455 Highway K
O'Fallon, MO
Hannibal National Bank (HNB)
203 S Main
Palmyra, MO
Citizens National Bank 11703 Illinois Paris, IL
Citizens National Bank 8964 North Terre Haute Paris, IL
Citizens National Bank 1119 S Main Street Paris, IL
Eagle Bank
14 N Jackson St
Perryville, MO
Eagle Bank 6 N Perryville Blvd Perryville, MO
Farmers & Merchants Bank
1828 Broadway Ste C
Quincy, IL
Bank & Trust Litchfield, IL
106 Route 48 W
Raymond, IL
First State Bank - St Robert, MO
102 N Pine St
Richland, MO
Bank & Trust Litchfield, IL
Route 29 and Walnut
Rochester, IL
Rochester State Bank Route 29 and State Rochester, IL
Bank & Trust Litchfield, IL
Route 267 South
Roodhouse, IL
Sacremento Deposit Bank
335 Main St
Sacremento, KY
Farmers Bank and Trust Company 216 West Main Smithton, IL
Commercial State Bank Waterloo
514 S Main
Smithton, IL
Bank of Springfield 3400 West Wabash Springfield, IL
Bank of Springfield 2600 Stevenson Drive Springfield, IL
Bank of Springfield 2657 South 5th Street Springfield, IL
Bank of Springfield 3136 Old Jacksonville Road Springfield, IL
Bank of Springfield 200 9th Street Springfield, IL
Bank of Springfield 719 West Jefferson Springfield, IL
Bank of Springfield 9th & Madison Springfield, IL
Bank of Springfield 3115 Sangamon Ave Springfield, IL
Bank of Springfield 2665 Chatham Road Springfield, IL
Bank of Springfield 2801 South Grand Ave Springfield, IL
First National Bank 2950 S South Sixth St Springfield, IL
Prairie State Bank & Trust 1001 S Durkin Springfield, IL
Prairie State Bank & Trust 1361 Toronto Road Springfield, IL
Reliance Bank
5739 Telegraph Road
St Louis, MO
Reliance Bank 9769 Olive Blvd St Louis, MO
Royal Banks of Missouri
3534 Watson Rd
St Louis, MO
Premier Bank 295 Salt Lick Road St Peters, MO
Reliance Bank
6100 Mexico Road
St Peters, MO
1st Advantage Bank 240 Salt Lick Road St Peters, MO
First State Bank - St Robert, MO
194 Eastlawn AVE
St Robert, MO
Mid America Bank & Trust Company 434 Highway Y St. Robert, MO
First Community State Bank
417 W North St
Staunton, IL
United Community Bank of West KY
1406 N Main St
Sturgis, KY
First State Bank - St Robert, MO
26790 Hwy 133
Sweetburg, MO
Community Bank of Trenton
104 E Broadway
Trenton, IL
Hannibal National Bank (HNB) 114 N Lincoln Drive Troy, MO
Royal Banks of Missouri
8021 Olive Blvd
University City, MO
Farmers & Merchants State Bank 603 N Springfield Virden, IL
Commercial State Bank Waterloo
101 N Main
Waterloo, IL
Commercial State Bank Waterloo
812 N Market
Waterloo, IL
Commercial State Bank Waterloo
915 A North RTE 3
Waterloo, IL
Commercial State Bank Waterloo
1524 Birdie Lane
Waterloo, IL
First State Bank - St Robert, MO
926 Old Route 66 E
Waynesville, MO
First State Bank - St Robert, MO
1302 Historic Rte 66 West
Waynesville, MO
Hannibal National Bank (HNB)
1977 WENTZVILLE
Wentzville, MO
Security National Bank 314 N Hirst Witt, IL

Watch for more
ATM locations
coming soon!


FDIC
Crossroads Bank
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