Cross Bank on Your Credit Report
In short: Cross Bank is an AR-based institution — specifically a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator — that has held a charter since 1891 and appears in the FDIC directory as certificate 13821. Its most recent call report, dated 06/30/2026, shows 10 FDIC-reported offices and $593 million in assets. Any tradeline carrying the Cross Bank name is furnished by the bank, not by a servicer, so disputes under FCRA §623 go straight to the institution that holds the records. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who Cross Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Cross Bank is a 135-year-old AR institution chartered June 4, 1891, operating 10 FDIC-reported offices with $593 million in total assets as of the 06/30/2026 call report, under FDIC certificate 13821.
How Cross Bank appears on your credit report
Cross Bank is a regional lender headquartered in Wynne, AR, with 10 FDIC-reported offices and $593 million in assets, on a charter 135 years old. At this size a single account is often handled by a small team, which cuts both ways — errors are less likely to be systemic, but when one occurs there may be no automated process to catch it. A precise written dispute naming the exact field that is wrong tends to work better here than a general statement of disagreement.
Names it may report under
Products that commonly show up
- ◆Personal signature loans underwritten in-branch
- ◆Construction and lot loans that convert to permanent financing
- ◆Deposit-secured personal lines of credit
Grounds to dispute a Cross Bank entry
Each of these is a reason a Cross Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Joint account reporting solely against a non-borrowing spouse
- ◆Closed Cross Bank deposit-secured line still reporting as an open revolving account
- ◆Business loan personally pledged by the owner reporting on the personal file without the pledge in place
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
Cross Bank is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, Cross Bank has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send Cross Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Cross Bank questions, answered
Is Cross Bank FDIC-insured, and what is its certificate number?
Yes. Cross Bank holds FDIC certificate 13821. The FDIC record shows a charter established June 4, 1891, headquarters in Wynne, AR, and 10 FDIC-reported offices with $593 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates Cross Bank, and where do I escalate if a dispute fails?
Cross Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against Cross Bank?
None that can be attributed with confidence. Cross Bank does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 10-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to Cross Bank would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a Cross Bank charge-off stay on my credit report?
A charged-off Cross Bank account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date Cross Bank charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with Cross Bank and disputing with a collector?
A collector's tradeline is secondary — it restates information supplied to it. Cross Bank is the source. When you dispute with Cross Bank under §623, the investigation runs against the bank's own ledger rather than a purchased summary, so the two routes can produce different outcomes on the same debt.
Does Cross Bank report to all three credit bureaus?
That depends on the bank's own furnishing arrangements. Reporting is voluntary under the FCRA, and a bank the size of Cross Bank — 10 offices, $593 million in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding a Cross Bank account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
Cross Bank was acquired or changed names — why does my report show two accounts?
This is one of the most frequent duplicate-tradeline causes. A converted Cross Bank account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1891, core-system conversions are the usual cause.
Can I dispute Cross Bank reporting myself, without paying anyone?
Yes, and at no cost. You can write Cross Bank directly as the furnisher, or file through the three bureaus, or both. Outcomes depend entirely on what the Wynne bank's records show, so be wary of anyone promising a result in advance — results vary and no outcome is assured.
What should I check first on Cross Bank reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 135-year-old lender like Cross Bank, older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by Cross Bank; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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