First National Bank of Brownstown

Community Banks of Shelby County offers personal banking and commercial banking services to its customers. It provides services like electronic banking, cashier s checks, money orders, account research, faxing, copying and overdraft privileges. The bank offers a complete line of mortgage products including several special programs such as First Time Home Buyer Program, which offers smaller down payments for first time home buyers, FHA and VA Programs, and Rural Housing Program. Community Banks of Shelby County also offers agricultural loans including machinery purchase loans, real estate loans and FSA guaranteed loans. Its commercial lending department offers business loans such as small business administration loans, working capital loans, equipment loans, real estate loans, merchant services, real construction loans and business checking. The bank also provides installment loans to enable customers to purchase vehicle, boat, motorcycle, camper or any other major item.

Crossroads Bank provides a range of personal and commercial banking services. It offers savings, business checking and individual retirement accounts, as well as certificates of deposit. Crossroads Bank provides Internet and phone banking, check imaging, insurance, investment management, locker, overdraft protection and direct deposit services. It additionally offers debit and credit cards, ATMs and traveler s checks. The bank provides a variety of loans to customers, such as commercial real estate, auto, home, personal and debt consolidation. Its online services include personal e-mail accounts, account statements, and online payment and transfers. Crossroads Bank additionally provides money orders and gift checks, as well as notary and check printing services. It maintains locations in Effingham, Ill.