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Bank Accounts
The Most Checking

With The Most Checking Account at Cross County Bank, there is No Minimum Balance! We are proud to offer this high interest, FREE checking account to our customers. The Most Checking Account requires a $100.00 minimum opening deposit and is only available to Arkansas residents on personal accounts. Take advantage of the high interest rates and nationwide ATM refunds by completing these three easy requirements during a monthly qualification cycle:

  • Have at least 10  PIN-Based/Signature-Based Debit Card purchases post and settle
  • Have at least one Direct Deposit or ACH Auto Debit post and settle
  • Sign up and receive E-Statement delivery

The Most Checking Current Rates and Complete Details

2.01%APY* on balances up to $15,000

0.23% APY* on balances over $15,000

0.05% APY* if requirements are not met

*Annual Percentage Yield (APY) accurate as of June 13, 2013. Rate Tiers are as follows: 2.01% APY applies to balances of $.01 - $15,000 and the portion of the balance over $15,000 will vary within the range of 2.01% APY to 0.23% APY, depending on the account balance, as long as requirements are met per qualification cycle. 0.05% APY applies to all balances if qualifications are not met and ATM fees will not be refunded for that time period. Rates may change after the account is opened. No minimum balance required; however, you must deposit a minimum of $100 to open this account. Fees may reduce earnings. Available to personal accounts only. No monthly service charge.

If you have met your qualifications for the specified qualification cycle, we will reimburse you for domestic ATM fees up to $30 per qualification cycle. ATM fee reimbursements will be credited to your account on the last business day of your statement cycle. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable. Note: ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards within this account. 

Qualification cycle

Qualifying transactions must post and settle during the qualification cycle. The qualification cycle means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Debit card purchase means any PIN or signature based transaction performed at any location other than an ATM. Transactions may take more than three business days to post and settle from the transaction date. Intra-bank transfers do not count as qualifying transactions. If qualifications are met during the qualification cycle, then the account holder will receive the higher rate and ATM refunds on cycle date, the next business day. If not, the account holder will receive a base interest rate. The qualification cycle will end on the second Tuesday of each month. The statement will cycle on the following Wednesday.

Limited to Arkansas residents only. Must be primary checking account and limit one account per customer.