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Online Banking
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Bank Services
Debit / ATM Cards

Debit/ATM Card

We offer the Visa Debit Card, acceptable worldwide at any place displaying the Visa symbol. It performs like a check, deducting the amount from your checking account. This card also serves as your ATM card. It is honored by several networks, offering nationwide ability to get funds from your account(s). It can be set up to access your Cross County Bank checking account and savings account. A transaction fee of $2.00 is charged for withdrawals from ATMs other than those of Cross County Bank or any Cross County Bank ATM. Other ATMs may have an additional charge made by the owning institution.

To Report Lost or Stolen VISA Debit/ATM Cards
After Hours and Weekends call Toll Free 1-800-528-2273 


Protecting your debit or ATM card 

Protecting your Visa® debit or ATM card from fraud requires 24/7/365 days a year monitoring.

Our fraud detection programs monitor your card transactions for any suspicious activity. If potentially fraudulent transactions are taking place, we’ll contact you immediately so that future fraudulent transactions can be avoided.

What we monitor

Your card transactions are monitored for purchases outside your normal purchasing patterns, unusual timeframes and geographical locations, or purchase patterns that are consistent with previously identified fraud trends.

How we contact you

Getting in touch with you quickly is critical to stopping any potential card fraud. 86% of Americans have a mobile device and this offers a convenient and free* method to contact you fast. With our Card Alert Notification service, you will receive a text message asking you to confirm if a suspicious transaction was authorized by you.

Receiving a text message


  • The text message will arrive with a 5 digit code (33748) and contain our financial institution name, dollar amount of the transaction and merchant name.
  • You will be asked to reply with “Yes” if you authorized the transaction. You will receive a confirming text message and can continue to use your card with confidence.
  • A “No” reply means you have not authorized the transaction. You will receive a confirming text message and you will be contacted immediately by a fraud specialist to protect your account. Please answer this important call.
  • Do not reply to the text message with any personal or confidential card information

If you would like to opt out of receiving these important messages by text, you may reply with STOP to indicate this preference

Help us protect you

Keep us up to date with your current mobile and home phone numbers and contact information. Traveling in the U.S. or to a foreign country for an extended period of time? Contact us prior to your departure and we’ll make our monitoring more flexible during your travel or vacation time.

* Text messages to your mobile device are free, but all other fees on calls and texts are subject to the terms of your voice/data plan with your mobile carrier.