Banks in Cross City, FL

Bank branch map: Cross City

Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.

Short answer: 3 banks and credit unions operate 3 locations in Cross City, according to the FDIC. 3 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.

Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.

All banks in Cross City

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: Ameris Bank, Seacoast Bank and Capital City Bank have the most locations in Cross City, with 1 each. 3 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

Ameris Bank 1 branch · main office Atlanta, GA Bank · 1

Ameris Bank has 1 branch in Cross City, 51 across Florida and 177 nationwide. FDIC records list its main office in Atlanta, GA and show it operating since 1971. With $28.42 billion in total assets on June 30, 2026, it ranks No. 76 of 4,232 U.S. banks by total assets. The Cross City Branch at 79 Ne 121st St dates to 1923 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Cross City Branch

  79 Ne 121st St, 32628

  Hours: see the bank's site
  DirectionsWebsite

Ameris Bank: profile, branches and contacts

Capital City Bank 1 branch · main office Tallahassee, FL Bank · 1

Capital City Bank has 1 branch in Cross City, 53 across Florida and 67 nationwide. FDIC records list its main office in Tallahassee, FL and show it operating since 1907. With $4.45 billion in total assets on June 30, 2026, it ranks No. 313 of 4,232 U.S. banks by total assets. The Cross City Branch at 294 Ne 210th Ave dates to 1934 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Cross City Branch

  294 Ne 210th Ave, 32628

  Hours: see the bank's site
  DirectionsWebsite

Capital City Bank: profile, branches and contacts

Seacoast Bank Seacoast National Bank · 1 branch · main office Stuart, FL Bank · 1

Seacoast Bank has 1 branch in Cross City, 117 across Florida and 118 nationwide. FDIC records list its main office in Stuart, FL and show it operating since 1933. With $21.34 billion in total assets on June 30, 2026, it ranks No. 100 of 4,232 U.S. banks by total assets. The Cross City Branch at 104 Ne Highway 351 dates to 1994 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Cross City Branch

  104 Ne Highway 351, 32628

  Hours: see the bank's site
  DirectionsWebsite

Seacoast Bank: profile, branches and contacts

Banking in Cross City: the local picture

Short answer: 3 banks run 3 branches in Cross City according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Of the 3 banks, 0 have their main office in Cross City, 2 elsewhere in Florida and 1 out of state, according to the FDIC.

The bank with the longest record here is Capital City Bank, operating since 1907 according to the FDIC. In FDIC branch records, the longest-running branch is Ameris Bank's office at 79 Ne 121st St, dating to 1923; the newest is Seacoast Bank's at 104 Ne Highway 351, from 1994.

None of the 3 locations here publishes hours in the sources this page uses. Each branch links to the bank's own site.

Chase, Bank of America and other national banks

Which big national banks have branches in Cross City, and where the nearest one is if they do not.

Short answer: No branches in Cross City: Chase (nearest in Gainesville, 42 mi), Wells Fargo (nearest in Gainesville, 43 mi), Bank of America (nearest in Gainesville, 42 mi), PNC Bank (nearest in Gainesville, 43 mi), U.S. Bank (nearest in Sarasota, 163 mi), Truist (nearest in Newberry, 38 mi), Fifth Third Bank (nearest in Newberry, 38 mi), Huntington (nearest in Dunnellon, 57 mi), Regions Bank (nearest in Gainesville, 45 mi), TD Bank (nearest in Gainesville, 44 mi), BMO (nearest in Tampa, 123 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Cross City to the nearest branch in Florida.

What your savings could earn

National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.

Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.

Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Cross City residents like anyone else.

Banks near Cross City

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Bell (17 miles) and Chiefland (18 miles). Newberry, 37 miles away, has the most banks nearby: 4.

Bank branch openings and closings in Cross City

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Cross City between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Cross City by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Cross City offices.

Short answer: Ameris Bank is the largest bank with offices in Cross City, with $28.42 billion in total assets on June 30, 2026, No. 76 among U.S. banks by total assets. Seacoast Bank is second with $21.34 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.

Banks in Cross City: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.