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The City of Effingham uses its resources to expand innovative programs and opportunities. We too take ownership and demonstrate community commitment in every decision we make.



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Crossroads Bank started in Effingham, and we continue to keep our focus here in Effingham. We are Your hometown banking option. Visit our past, see our future, Crossroads Bank.

Learn More About Our History

Customer Satisfaction Survey

Tell us how we did! You can take our survey or submit a Google Review at this time.

Learn More About Our Customer Satisfaction Survey

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Crossroads Bank Officers understand the value of the community; and as such they commit to making Effingham community a priority. Volunteering their time to charitable organizations, our employees strive to improve the community in which they live and work.

Learn More Our Officers

Board of Directors

Encompassing a wide array of talent and experiences, the Board of Directors at Crossroads Bank continue to make the Bank an asset to its customers and its employees, as well as the community as a whole.

Learn More About Our Board of Directors

Crossroads in Your Community

Crossroads Bank is part of your community. See how we are doing our part to build a better tomorrow for the people of Effingham County!

Learn More About Crossroads Bank in Your Community

Cyber Security

Even from the comfort of small town America, occasionally the threat of the larger world looms over us. Find out some tips for reducing your risk in an ever-changing landscape of advanced online attacks.

Learn More About Cyber Security

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State of Illinois Community Reinvestment Notice

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.

205 ILCS 735/20

Added by P.A. 101-0657,ยง 35-20, eff. 3/23/2021.