Digital Banking FAQs
Want to know more about how Digital Banking works? Read our FAQs to find out. And if you have additional questions, give us a call or stop in and we’ll be glad to help you go digital!
How do I reset my password?
To reset your password, even if you haven’t forgotten it, select “Forgot Username or Password” on the login screen in the mobile app or website. Follow the prompts to complete the password reset process.
What features are available in digital banking?
- PIN/3D Touch Authentication: Log in securely using a PIN or your device’s authentication feature (fingerprint/Face ID).
- Debit Card On/Off: Enable or disable your Crossroads Bank debit card at any time. Remember to notify the bank if you need a new card or suspect fraud.
- A2A/P2P/C2C Transfers: Transfer money between accounts at different financial institutions (A2A), send money to anyone (P2P), or transfer funds to another Crossroads Bank customer (C2C).
- Profile Update: Easily update your email address, mailing address, and phone number.
- Deposit & Loan Transfers: Make deposits and transfer funds to loan accounts quickly and conveniently.
- Transaction History: View, filter, and track your transaction history for better account management.
- Other Added Enhancements: View check and deposit images, use mobile deposit, attach photos to any transaction, and access My Money Manager—all directly from the app.
What is the difference between Bill Pay and Picture Pay?
Bill Pay allows users to schedule and send payments directly to service providers by entering payee details, making it ideal for managing recurring or multiple payments. Picture Pay simplifies one-time payments by letting users snap a photo of their bill, automatically extracting the payment details. Together, these services provide flexible options to fit your bill payment needs.
What is the difference between Available Balance and Current Balance?
Available Balance – The amount available for immediate withdrawal from your account.
Current Balance – The amount in your account as of the end of the last business day.
Do I still need to notify the bank if I’ve lost my card?
Yes, while you can disable your card through digital banking, you will still need to visit a local branch to receive a new debit card.
How do I endorse the back of my check for mobile deposit?
The back of the check needs to be endorsed as follows:
- For Mobile Deposit – Crossroads Bank
- Your Signature
How do I filter my account history?
You can filter your account history by logging into your digital banking account through our website and clicking “Account Reporting” in the side menu to define and sort your transactions. Alternatively, you can use the advanced search tool in the app to filter transactions directly on your mobile device. Once filtered, click “Apply,” and you can export the data as needed.
Where do I find my loan payment information?
You can find your loan payment information by selecting your loan account and viewing “Account Details.”
Is there a way to update my personal information through digital banking?
Yes, you can update your personal information by clicking the gear icon in the top right corner, then selecting “Profile.” This will allow you to update your email, phone number, and address.
Where is the “Log Out” button?
The “Log Out” button is located at the bottom of both menus: the left-hand grey sidebar menu and the auxiliary menu in the top right corner.
How do I delete my online banking account?
Request user account deletion here.
