Customer Service Center

You should review your available balance, as it is the most up-to-date. You can use it to determine which transactions you have made that may not have posted yet, and therefore are not part of your current balance. Typically, debit card purchases take 24 hours to clear but may take up to five business days depending on when the merchant sends the final transaction amount to Cross Country Bank. In the meantime, you might have other items that process to your account (maybe your landlord cashes your rent check, for example), which might not leave sufficient funds to pay for the item once it was processed. The Account Balance History screen in Online Banking provides a snapshot of how your transactions were posted each night. The last 90 calendar days are available. View pending transactions or any holds that were in place. See how your current balance and available balance changed after each item was processed. This helps you determine why an overdraft or returned item fee may have been charged. Read more about when money goes in and out of your account here.

An extended overdraft fee is a $36 fee that is incurred when your current (ledger) balance has been negative for five consecutive business days (not including Saturdays, Sundays or bank holidays). To avoid this fee, you must make a deposit to bring your current balance positive by the daily cut-off time on the fifth business day (see times). The fee is based on your current balance at the end of processing on the fifth business day and will be charged that night if your balance remains negative.

If your deposit is made after the daily cut-off time, it will not post to your current balance until the next business day and an extended overdraft fee will be charged.

To help you avoid an extended overdraft fee, we will mail you a written notification when you overdraw your account or an item is returned. When you are at risk of incurring an extended overdraft fee, an alert will be displayed in Online and Mobile Banking providing the date you must make a deposit or transfer by to bring your balance positive and avoid the fee. Additionally, Online Banking clients will receive an automatic email notification to their email address on file. So it’s important to keep yours up to date.

Learn more about how to avoid this fee, and when money goes in and out of your account.

Cross Country Bank limits the number of fees you can incur per day to six total Overdraft Returned Item fees.

An extended overdraft fee is incurred when your current (ledger) balance has been negative for five consecutive business days (does not include Saturdays, Sundays and holidays).

To help you avoid an extended overdraft fee, we will mail you written notification when you overdraw your account or an item is returned. When you are at risk of incurring an extended overdraft fee, an alert will be displayed in Online and Mobile Banking providing the date you must make a deposit or transfer by to bring your balance positive and avoid the fee. Additionally, Online Banking clients will receive an email notification to their email address on file. There is no need to opt-in to receive this alert, it is automatic; however, please make sure your current email address in Online Banking is up-to-date so you can receive important notifications about your account.

Yes, and no.

Each time an account remains in an overdraft status for five consecutive business days, it will be charged the Extended Overdraft Fee, but the Extended Overdraft Fee is only charged one time during each period of an account being overdrawn. An Extended Overdraft fee is in addition to any overdraft or returned item fees that have already been charged.

So, in this scenario the answer is no:
Your account becomes overdrawn on Monday and remains overdrawn for five business days. On Friday, your account is charged the Extended Overdraft Fee. Your account remains overdrawn an additional five business days, but you do not get charged the Extended Overdraft Fee a second time.

However, in this scenario the answer is yes:
Your account becomes overdrawn on Monday and remains overdrawn for five business days. On Friday, you are charged the Extended Overdraft Fee, and your account becomes positive soon after being charged. But, then a few days later, your account becomes overdrawn again. If it remains overdrawn for another five consecutive business days, it will again be charged the Extended Overdraft Fee.

It is important to report phishing or any suspicious, unauthorized or fraudulent activity on your Cross Country Bank  accounts in a timely manner. Please refer to the Report Fraud page to determine how to report suspicious activity to a Cross Country Bank Fraud Specialist.

If you believe that your information has gotten into the wrong hands, it’s also a good idea to notify all three credit bureaus—Exifax, Experian and TransUnion. When you alert them to a possible fraud, they can flag your files so that new accounts cannot be open in your name without your explicit permission.