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Certificate of Deposit Account Registry Service® (CDARS)
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Looking for a way to keep large deposits safe? Ask us about CDARS®. Its a great solution for: businesses nonprofit organizations public funds managers trustees financial advisors individuals credit unions IRAs |
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With CDARS, you can access FDIC protection on multi-million dollar CD investments through BANK OF CADIZ & TRUST CO. There are few guarantees in life FDIC insurance is one of them. CDARS can be a valuable cash management or longer-term investment tool for you.1
Why CDARS?
How does CDARS work?
These exchanges, which occur on a dollar-for-dollar basis, can bring the full amount of your original deposit back to our bank. As a result, we can make the full amount of your deposit available for community lending purposes. 2
What else should I know?
And with CDARS, you can eliminate the need to monitor changing collateral values another time saving convenience.
Of course, your confidential account information remains protected.
Ask us about how CDARS can work for you the next time you visit one of our branches, or email info@bankofcadiz.com for more information.
1 Funds may be submitted for placement only after a depositor enters into the CDARS Deposit Placement Agreement with Bank of Cadiz & Trust Co. The agreement contains important information and conditions regarding the placement of funds by us.
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FREE Student Checking
Your Future is now. We want to be a part of it!
- No Monthly Maintenance Fee
- No Minimum Balance Requirements
- Unlimited Check Writing
- ATM/Visa Debit Card
- Free First Order of Checks
- Free Online Banking & Bill Pay
- VISA Gift Card Discount

79 Main Street · Cadiz, KY · (270) 522-6066
106 Lakota Drive · Cadiz, KY · (270) 522-0450
2808 Ft. Campbell Blvd · Hopkinsville, KY · (270) 885-3211
630 North 12th Street · Murray, KY · (270) 759-4852
A fee may be imposed for covering overdrafts that are created by check, in-person withdrawal, ATM withdrawal, 
or other electronic means as applicable.

MasterCard® Gift Card is the one gift that's ideal for everyone on your shopping list. You decide the amount, they decide where to use it.
- This card is accepted anywhere Visa/MasterCard/Discover debit cards are accepted for point-of-sale signature transactions only. A consumer must select "credit" when completing a transaction.
- Cards available for up to a $1,000 limit
- Provides peace of mind - unlike cash, it can be replaced if lost or stolen
- Reduces the risk associated with Identity Theft
- Great for the college student - spend responsibly without the risk of incurring debt
- Monitor all spending online
Purchase a MasterCard® Gift Card for a fee of $4.50. Other fees may be charged as indicated on the Fee Schedule provided with the Card. The amount of any fee will be deducted from your Card Account at the time the fee becomes due or as otherwise indicated.
Bank of Cadiz & Trust Co. is pleased to offer Merchant Credit Card Processing Services in partnership with Approval Payment Solutions, Inc. (APS). Our alliance enables merchants to accept credit and debit cards as well as other forms of payment for goods and services. Credit and debit card acceptance is the fastest growing payment solution available to merchants today. We understand that without credit card processing it could cost your business in potential sales. The Bank of Cadiz & Trust Co. is committed to working with your business financial needs in mind and wants to partner with you to achieve your goals.
We offer a wide array of electronic payment options including credit card processing for new and existing merchants that are Retail, Home Based, Mail Order and Internet.
If you would like to find out how Bank of Cadiz & Trust Co. and APS can help you with any of our Merchant Services, contact our Merchant Service Representative, Kayla Augustinovich, at 270-522-2155 or Toll Free 1-888-405-6088.
Helping You Plan for a Secure Financial Future!
Products & Services Designed to Help You Reach Your Financial Goals
- Financial Analysis
- Asset Allocation
- Stocks
- Tax-Free Municipal Bonds
- Tax-Deferred Annuities
- IRAs/IRA Rollovers
- Business Retirement Plans
Contact Matt Cothran, Financial Consultant, Cadiz Financial Services at (270) 522-2154
Investment Products:
Not Bank Deposits * Not FDIC Insured * May Lose Value, Not Bank Guaranteed * Not Guaranteed by Any Government Agency
