Personal Banking
Checking, Savings & Everyday Banking
Whether you are opening your first bank account or looking for a better place to grow your savings, our personal banking products are designed with real people in mind — no hidden fees, no fine print surprises, and bankers who actually pick up the phone.
Checking Accounts
- Free Community Checking — No monthly maintenance fee, no minimum balance. Free debit card, free online and mobile banking, and free bill pay. The account Springfield families have trusted for over 35 years.
- Interest Checking — Earn a competitive interest rate on balances over $1,500. Includes all the features of Community Checking plus paper statement delivery and cashier's checks at no charge.
- Student Checking — Designed for ages 16–24. No minimum balance, no monthly fee, and built-in budgeting tools through our mobile app. Parents can link their CRB account for easy transfers.
Savings & Certificates of Deposit
- Community Savings — Start with as little as $25. Competitive rates with no monthly service charge when you maintain a $100 minimum balance.
- Money Market Account — Tiered interest rates that reward higher balances. Limited check-writing privileges for easy access to your funds.
- Certificates of Deposit (CDs) — Terms from 3 months to 60 months. Ask about our CD specials and our no-penalty CD option for added flexibility.
- IRA Savings & IRA CDs — Traditional and Roth IRA options to help you save for retirement with tax advantages.
Debit Cards & Convenience
- Visa debit card with chip technology and contactless tap-to-pay
- Access to 55,000+ surcharge-free ATMs nationwide through the Allpoint network
- Instant card issue available at all five branch locations
- Card controls through the CRB mobile app — lock/unlock your card, set spending limits, and receive real-time transaction alerts
Business Banking
Business Banking & Commercial Lending
From sole proprietors to established companies, Community Regional Bank provides the financial tools and local expertise to help Springfield-area businesses operate efficiently, manage cash flow, and grow with confidence. Our commercial bankers understand the local market because they live in it.
Business Deposit Accounts
- Business Checking — No monthly fee for the first 300 transactions. Includes free online banking, mobile deposit, and ACH origination.
- Business Interest Checking — Earn interest on operating funds while maintaining full access. Ideal for businesses with higher average balances.
- Business Savings & Money Market — Competitive rates to help your business reserves grow between payroll cycles and capital expenditures.
Commercial Lending
- Commercial Lines of Credit — Revolving credit facilities for working capital, inventory purchases, and seasonal cash flow needs.
- Term Loans — Fixed and variable-rate loans for equipment purchases, tenant improvements, and business expansion.
- Commercial Real Estate Loans — Financing for owner-occupied and investment properties, including construction and renovation loans.
- SBA Loans — CRB is a preferred SBA lender. We offer SBA 7(a) and SBA 504 loans with competitive rates and the guidance to navigate the application process.
Treasury & Cash Management
- Merchant services and point-of-sale solutions
- ACH origination for payroll and vendor payments
- Remote deposit capture for high-volume check processing
- Positive pay and fraud prevention tools
- Sweep accounts and overnight investment options
Mortgage & Home Loans
Home Financing
Buying a home is one of the biggest decisions you will ever make, and it helps to have a lender who knows the Springfield market inside and out. Our mortgage team lives here, understands local property values, and makes underwriting decisions right here — not in a call center across the country. That means faster approvals and a smoother path to your closing date.
Mortgage Products
- Conventional Loans — Fixed and adjustable-rate mortgages with competitive rates and flexible terms from 10 to 30 years.
- FHA Loans — Low down payment options (as low as 3.5%) with more flexible credit requirements. A popular choice for first-time buyers.
- VA Loans — Zero down payment mortgages for eligible veterans and active-duty service members. No private mortgage insurance required.
- USDA Loans — Zero down payment financing for homes in eligible rural areas surrounding Springfield, including parts of Christian, Webster, and Dallas counties.
- First-Time Homebuyer Programs — Special rate incentives, down payment assistance coordination, and one-on-one guidance through every step of the process.
Home Equity
- Home Equity Line of Credit (HELOC) — Tap into your home's equity for renovations, education expenses, or debt consolidation with a flexible revolving line.
- Home Equity Loan — A fixed-rate, lump-sum loan secured by your home equity. Predictable monthly payments for planned expenses.
Construction Loans
- One-time close construction-to-permanent loans
- Lot loans for land purchase prior to construction
- Builder financing for local contractors and developers
Agricultural Lending
Agricultural Banking
The Ozarks region has a proud agricultural heritage, and Community Regional Bank has been supporting area farmers and ranchers since our founding. Our agricultural lending team understands the unique cycles, risks, and opportunities of farming — because many of them grew up on farms themselves.
- Farm Operating Loans — Annual and multi-year operating lines to cover seed, feed, fertilizer, fuel, and other input costs. Structured around your production cycle.
- Farm Real Estate Loans — Financing for land purchases, including pastureland, cropland, and timberland. Competitive rates with terms up to 25 years.
- Equipment Financing — Loans and leases for tractors, combines, irrigation systems, livestock handling equipment, and other farm machinery.
- Livestock Loans — Financing for herd expansion, feeder cattle purchases, and breeding stock acquisition.
- FSA Guaranteed Loans — CRB works with the USDA Farm Service Agency to provide guaranteed loans for farmers who may not qualify for conventional agricultural credit.
- Crop Insurance Coordination — We work with your crop insurance agent to ensure your coverage aligns with your lending structure and risk management plan.
Digital Banking
Online & Mobile Banking
Community banking and modern technology are not mutually exclusive. Our digital banking platform gives you 24/7 access to your accounts from anywhere, while our branches and local bankers are always just a phone call or a short drive away when you need them.
- Mobile Banking App — Available for iOS and Android. Check balances, view transactions, transfer funds, and deposit checks with your phone's camera.
- Online Banking — Full-featured account management from any web browser. View statements, download transaction history, and manage account alerts.
- Online Bill Pay — Schedule one-time or recurring payments to any payee. Eliminate the hassle of writing and mailing checks.
- Mobile Deposit — Deposit checks anytime by snapping a photo with the CRB mobile app. Funds are typically available the next business day.
- Zelle — Send and receive money directly from your CRB checking account using just an email address or phone number. Fast, safe, and free.
- Account Alerts — Customizable email and push notifications for low balances, large transactions, direct deposits, and more.
- eStatements — Paperless statements delivered securely to your online banking profile. Accessible anytime for up to seven years.