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CrossFirst Bank Review

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CrossFirst Bank Savings
0.25% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Established in 2007, CrossFirst Bank has $3 billion in assets along with $2 billion in deposits, which makes it a large bank. CrossFirst Bank, whose headquarters are in Leawood, Kansas, lacks premium access to support representatives, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. Overall, CrossFirst Bank is a superb bank that you should seriously consider, with a rating of 4.6 stars out of 5 from our experts. CrossFirst Bank offers the full package of product offerings, which include savings accounts, checking accounts, money market accounts, CDs and IRAs. CrossFirst Bank has a fair savings rate compared to the average savings account. If you're looking for a checking account for everyday use, the bank's most basic checking does not have a monthly charge. Finding an institution with no-fee checking and a high savings APY is your best bet for returning the highest income from your deposits while maintaining easy access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.25%, CrossFirst Bank ranks poorly compared to other U.S. banks. CrossFirst Bank's one-year CD has a rate of 1.90% and the five-year CD earns at a rate of 2.60%, while its highest-yielding money market account has a rate of 1.15%. Given CrossFirst Bank's poor savings rate, you should think about looking elsewhere to open savings accounts.

How CrossFirst Bank's Savings Rates Compare

CrossFirst Bank Savings 0.25 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

CrossFirst Bank has typically extremely low fees as compared against the national average. CrossFirst Bank's checking account has no monthly fee, making it excellent for anyone looking for a hassle-free account. CrossFirst Bank reimburses any incurred out-of-network ATM charges, which gives handy access to cash at any time.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

CrossFirst Bank is a brick-and-mortar bank, with six total bank locations in Kansas, Missouri, Oklahoma and Texas. It also offers access to mobile and web apps for easy access and banking on the go. It does not offer all-day customer service with actual service representatives. You can get help during its hours, which are Monday through Sunday and 6:00 a.m. to 11:00 p.m. CT. CrossFirst Bank receives reasonably high marks from users for its online presence. With 4 ratings across Apple and Android platforms, the CrossFirst Bank mobile app has an overall rating of 4.2 out of 5 (compared to the national average of 3.8). You can use CrossFirst Bank's mobile app to manage your accounts by reviewing account balances, transferring money and reaching customer service. CrossFirst Bank receives a superb consumer satisfaction score due to relatively few consumer complaints brought to the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating 4.2/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

CrossFirst Bank is currently a large bank with $3 billion in assets and $2 billion in deposits. Its Texas Ratio is 1.77%, indicating that the bank is in terrific financial health and far from failure. Additionally, CrossFirst Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare CrossFirst Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.25% APY $1
Certificates of Deposit
  • 12 Month: 1.90% APY
  • 24 Month: 2.00% APY
  • 36 Month: 2.25% APY
  • 48 Month: 2.40% APY
  • 60 Month: 2.60% APY
$1000 for all terms
Money Market Account 1.15% APY $25000

CrossFirst Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. CrossFirst Bank does not have the best savings rate, which means you should think about taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. CrossFirst Bank's CD rates are fair compared to the national average.

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Find a CrossFirst Bank Near Me

CrossFirst Bank has six physical branches in the U.S.

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