Message to our Shareholders and Customers Dear Friends,
not require the recipient of the payment to be a customer, so it’s an extremely effective and efficient method of making a personal payment and it’s FREE to all of our consumer banking customers. We also provide the very best in debit card security, as we offer the SecurLOCK Equip mobile app. This app will allow you to switch your debit card on and off and monitor the use of your Cross Keys Bank debit card with your smart phone. An added convenience of doing your business with us is the availability of business, personal, life and health insurance through Cross Keys Insurance Agency. Most importantly, we strive to provide you the personal service that will make the transition of business to Cross Keys Bank from other institutions so smooth and easy that you will wonder why you aren’t doing all of your banking with Cross Keys Bank! Once again, our management team, Board of Directors, and staff remain committed to safeguarding your investment. On behalf of our employees and the Board of Directors, we wish you, your family, and friends a healthy and prosperous 2020.
For the year ended December 31, 2019, BSJ Bancshares, Inc. had total earnings of $3,805,073. Total assets as of that date were $403,188,318, which represents growth of just over five percent in the last year.
Whether you are a depositor or a borrower or both, Cross Keys Bank has a fabulous staff of very capable community bankers with a fantastic line of products and services to help you with all of your business and personal banking needs. We ask that you encourage your friends and associates to utilize our services. We provide additional value with state of the art technology that gives you quick and easy access to your accounts, and we have a top notch lending team that actively seeks loans to financially sound borrowers. Our Mortgage Department is capable of providing residential property financing just about anywhere. Through our CKB Mobile Banking App, we provide you with a virtual branch at home and work that gives you both access to your accounts and the ability to deposit checks. Key Pay is our very own P2P product (person to person payments)! Key Pay allows any of Cross Keys Bank personal checking account customers with a debit card to send money both safely and conveniently through your mobile device or online internet banking. It does
Benjamin M. Watson , President, BSJ Bancshares, Inc.
Board of Directors of Cross Keys Bank Michael R. Vizard – Chairman Shane Bridges – Banker Kevin Bryan – Architect Scott Franklin – Businessman Jan Bagwell Johnston – DDS E.D. Shaw, III – Businessman Darrell VandeVen – Planter Benjamin M. Watson – Banker William Brooks Watson – Attorney
Board of Directors of BSJ Bancshares, Inc. Benjamin M. Watson – Chairman Harry Truman Goldman, III Michael R. Vizard Rebecca Vizard Scott Watson William Brooks Watson