Complete in-county FDIC-insured depository banking network physically operating inside Dixie County (all 3 full-service brick-and-mortar bank branches are located in the county seat of Cross City, FL 32628, as Old Town, Horseshoe Beach, and Suwannee have 0 physical bank branches): (1) Seacoast National Bank — Cross City Branch at 104 NE Highway 351, Cross City, FL 32628 ((352) 498-7733, https://www.seacoastbank.com; FDIC Certificate #109, OCC Charter #22302, holding $79.90 million in in-county deposits as the #1 market-share bank in Dixie County following its October 2022 acquisition of historic Nature Coast lender Drummond Community Bank, FDIC #27583); (2) Ameris Bank — Cross City Branch at 79 NE 121st Street (US Hwy 19/98), Cross City, FL 32628 ((352) 498-3367, https://www.amerisbank.com; FDIC Certificate #16480, holding $35.09 million in in-county deposits); and (3) Capital City Bank — Cross City Office at 294 NE 210th Avenue (16552 SE US Hwy 19), Cross City, FL 32628 ((352) 541-6160, https://www.ccbg.com; FDIC Certificate #9622, Holding Co. Sunbiz Doc# 755489, holding $21.24 million in Cross City deposits plus $24.75 million at its Suwannee River bridge branch 2 miles east of Old Town at 7240 SW US Hwy 19, Fanning Springs, FL 32693, (352) 463-6537). Together, these three FDIC-regulated institutions safeguard 100% ($136.23 million) of Dixie County's brick-and-mortar bank deposits and provide FDIC-insured Traditional and Roth IRA Certificates of Deposit (CDs), multi-beneficiary POD/trust account titling to maximize up to $250,000 per depositor/per beneficiary FDIC coverage, Direct Express and Social Security/VA pension direct deposit, Florida Probate Estate and Court-Restricted Guardianship depository accounts (F.S. § 69.031), Medallion Signature Guarantees, safe deposit boxes for original wills and deeds, and in-branch Florida notary services.
Official Verification Sources: FDIC BankFind Suite — Dixie County Summary of Deposits (Cert #109, #16480 & #9622); Seacoast National Bank — Cross City Branch (104 NE Hwy 351, Cross City, FL 32628); Capital City Bank — Cross City & Fanning Springs Branches
Issuer: Federal Deposit Insurance Corporation (FDIC) & Office of the Comptroller of the Currency (OCC)
Notes: Verified 2026-10-26 via FDIC Summary of Deposits: Seacoast National Bank (FDIC #109, 104 NE Hwy 351, Cross City, FL 32628, (352) 498-7733) is the largest depository institution in Dixie County ($79.90M deposits).
Issuer: Federal Deposit Insurance Corporation (FDIC)
Notes: Verified 2026-10-26 via FDIC Summary of Deposits: Ameris Bank (FDIC #16480, 79 NE 121st St, Cross City, FL 32628, (352) 498-3367) holds $35.09M in Dixie County deposits.
Issuer: Federal Deposit Insurance Corporation (FDIC) & Florida Office of Financial Regulation (OFR)
Notes: Verified 2026-10-26 via FDIC Summary of Deposits: Capital City Bank (FDIC #9622) operates in-county at 294 NE 210th Ave, Cross City, FL 32628 ((352) 541-6160) and 2 miles east of Old Town at 7240 SW US Hwy 19, Fanning Springs, FL 32693 ((352) 463-6537).
Factual details and direct answers about Seacoast National Bank (FDIC #109), Ameris Bank (FDIC #16480) & Capital City Bank (FDIC #9622) — In-County FDIC Senior, IRA & Estate Banking (Cross City)'s services, licensing, and credentials.
How many FDIC-insured bank branches operate inside Dixie County, and where are they located?
FDIC Summary of Deposits records confirm exactly three (3) brick-and-mortar bank branches physically inside Dixie County, all located along the US-19/98 and Highway 351 corridor in Cross City (32628): Seacoast National Bank (FDIC #109, formerly Drummond Community Bank, at 104 NE Hwy 351, (352) 498-7733), Ameris Bank (FDIC #16480, at 79 NE 121st St, (352) 498-3367), and Capital City Bank (FDIC #9622, at 294 NE 210th Ave, (352) 541-6160, plus its Suwannee River branch 2 miles east of Old Town at 7240 SW US Hwy 19, Fanning Springs, (352) 463-6537).
Can Cross City bank branches establish court-restricted guardianship or probate estate accounts for the 3rd Judicial Circuit?
Yes. Seacoast National Bank, Ameris Bank, and Capital City Bank in Cross City open court-restricted depository accounts under Florida Statute § 69.031 as well as formal probate estate checking accounts for personal representatives and guardians appointed by the Dixie County Probate Court.
Connect with complementary legal, financial, and residential providers serving seniors in Cross City and Dixie County.
Chana M. Watson, Attorney at Law, P.A. — Chana Marie Watson, Esq. (With Kyle S. Felty, Esq., B.C.S., Real Estate)
Cross City, Dixie County
(352) 578-2014
The Timbers Apartments (Cross City USDA Section 515 Senior & Family Housing — Royal American Management, With Fanning Springs Border Villas)
Cross City, Dixie County
(352) 498-3175
Cross City Nursing and Rehabilitation Center (60-Bed Skilled Nursing, Post-Acute Rehab & Memory Care — Cross City)
Cross City, Dixie County
(352) 498-2005
Expert guidance, benefit eligibility rules, and state protections for older Florida residents and family caregivers.
Florida Medicaid Long-Term Care Guide →
How IRA CDs, joint accounts, and Payable-on-Death (POD) bank accounts are evaluated under Florida ICP Medicaid rules.
Financial Planning for Seniors in Florida →
Maximizing FDIC deposit insurance and safeguarding senior accounts from financial exploitation in rural Florida.
Seacoast Wealth Management (Cross City Branch) & Smith Asset Management Co., LLC (Independent SEC Fiduciary RIA — CRD #127684) / Lancaster Wealth Management
Cross City, Dixie County
Balog + Hodges, CPAs (Formerly Anne G. Hodges, CPAs — Cross City DBPR Firm #AD67179) — With Trenton CPAs W. Wesley Roberts, CPA (#AC0031519) & Max K. McGee, CPA (#AD65324)
Cross City, Dixie County
Capital City Strategic Wealth & Capital City Trust Company — Daniel D. 'Danny' Etheridge, CRPC®, CKA® (Cross City & Fanning Springs In-Branch Advisory)
Cross City, Dixie County
The Barber Group of Raymond James — Kelly Dean Barber (Trenton — CRD #5006677) & Edward Jones — Cory G. Taylor, CFP® (Perry) & Sheila Kay Smith (Newberry)
Cross City, Dixie County
Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.