Personal Checking
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Customer Awareness ( Tips to Prevent ID Theft )
We have you covered. Identity Theft Insurance with Fraud Assistance is provided as a FREE benefit on all personal checking accounts. We provide peace of mind in the event Identity Theft occurs.
Identity Theft Insurance1
For victims of identity theft, it can be time-consuming and costly. You'll have up to $2,500 in financial compensation for qualified expenses incurred in the recovery of your stolen identity.
Identity Fraud Support Service
In the event identity theft occurs, you'll have access to a comprehensive service designed to help with the hassle of clearing your good name. You'll receive expert help to assist you in organizing paperwork, advising you about notifying creditors and more.
For assistance with Identity theft-related matters and/or to file a claim, please call 1-866-620-5205, Monday-Friday, 7am-8pm CST.
Checking Accounts
- Value Club
- First Club
- First Club Plus
- Regular Checking
- Super Now
- 50 Free Checking
- Simply Free Checking
- Student Checking
Every Checking Account includes these benefits and services:
- Identity Theft Insurance with Fraud Assistance - Up to $2,500 in financial compensation1
- Free Online Banking with Bill Pay
- VISA® Debit Card which includes Fraud Protection
- Telephone Banking
- ATM Banking
- E-Statements
Benefits Available for Club Accounts: Value Club, First Club, First Club Plus
- Club Benefits Package – These valuable benefits can save you $385 and more!
Accidental Death & Dismemberment Insurance - $10,000 in Accidental Death & Dismemberment coverage 24 hours a day.2 Payment Card Protection – protect all your credit, debit, ATM and check cards in the event of loss or theft. Service available 24 hours a day. RX Advantage™ Prescription Drug Program – ability to enjoy discount pricing at participating pharmacies nationwide. Annual savings of $110 with monthly prescription refills.3 Credit Alert® - minimize the damage to your credit with this 24-hour daily monitoring service.4 My Getaway – enjoy two-night stay with this deluxe hotel rewards benefit. Average savings of $275. More than 30 exciting destinations across the nation.
- Unlimited Check Writing
- No Minimum Balance Requirements
- Free First Order of Checks
- Free First year on New Safe Deposit Box (size restrictions and location will vary)
- Free Cashier’s Checks & Money Orders
- Gift Card Discount
Value Club
- Refer to the Club Benefit Section for the individual listing of benefits
- Monthly Fee $6.00
- Monthly Statement - Check images available through Online Banking
*MINIMUM OPENING DEPOSIT OF $100.00 IS REQUIRED
First Club
- Refer to the Club Benefit Section for the individual listing of benefits
- Monthly Fee $8.00
- Monthly Statement - Check Images Provided
*MINIMUM OPENING DEPOSIT OF $100.00 IS REQUIRED
First Club Plus
- Refer to the Club Benefit Section for the individual listing of benefits
- FOR AGE 50 AND OVER
- Monthly Fee $5.00
- Interest paid on daily balances of $1,000 or more
- Monthly Statement - Check Images Provided
*MINIMUM OPENING DEPOSIT OF $100.00 IS REQUIRED
Regular Checking
- No monthly service charge on balances of $1,000 or more
- Balances of $501 -$999 - Monthly fee of $5.50
- Balances of $500 and under Monthly fee of $7.50*
- Plus 25 cents per check over 25 checks per month if balance under $1,000.00
- Monthly Statement - Check Images Provided
*MINIMUM OPENING DEPOSIT OF $100.00 IS REQUIRED
Super Now
- $2,000 and over no charge
- $1,000-$1,999 $5.50 per month*
- $500 -$999 $6.50 per month*
- Under $500 $8.50 per month*
- Plus 25 cents per check over 25 checks per month
- Monthly statement - Check images provided
- Interest paid on balances $500 and over subject to adjustment on a daily basis. No interest paid on average collected balance less than $500
*MINIMUM OPENING DEPOSIT OF $100.00 IS REQUIRED
50 Free Checking
- FOR AGE 50 AND OVER
- No Monthly Fee
- No Minimum Balance Requirements
- Interest paid on daily balances of $1,000 or more
- Unlimited Check Writing
- Free First Order of Checks
- Monthly Statement - Check Images Provided
*MINIMUM OPENING DEPOSIT OF $100.00 IS REQUIRED
Simply Free Checking
- No Monthly Fee
- No Minimum Balance Requirements
- Unlimited Check Writing
- Monthly statement-Check images available through Online Banking
*MINIMUM OPENING DEPOSIT OF $100.00 IS REQUIRED
Student Checking
- For students up to Age 24
- Students under 18 years of age must have an adult co-signer
- No Monthly Fee
- No Minimum Balance Requirements
- Unlimited Check Writing
- Free First order of checks - Personalized checks with your school logo may be available (fees may apply and not all college or university logos are available)
- Gift Card Discount
- Monthly Statement – Check images available through Online Banking
- Upon customer's 24th birth date, account will convert to the Simply Free Checking Account
*MINIMUM OPENING DEPOSIT OF $100.00 IS REQUIRED
Please contact any of the following for more information on any of the above accounts:
info@bankofcadiz.com or Toll Free (866) 554-6066
- Andrea Esposito
(270) 522-6066 - Susan Holmes
(270) 522-6066 - Jennifer Knight
(270) 522-0450 - Terrye Doyle
(270) 885-3211 - Jennifer Eidson
(270) 759-4852
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*Insurance products are:
NOT A DEPOSIT • NOT FDIC INSURED • NOT AN OBLIGATION OF |
SPECIAL PROGRAM NOTES:
1Identity Theft Insurance is offered through the insurance company named on the Benefit Summary. Please refer to the Summary for complete details of coverage, limitations and exclusions. The Identity Theft Insurance for residents of the state of New York is up to $10,000.
2Accidental Death Insurance is administered by Affinion Benefits Group and underwritten by Harford Life Insurance Company. A portion of the monthly membership dues, if applicable, will be used to pay the insurance premium to the plan administrator. As a member, you’ll automatically receive new benefits as they are added to your program. Coverage is divided equally among co-owners of joint accounts. The 24-hour Accidental Death and Dismemberment Insurance benefit reduces by half at age 70.
The insurance premium is paid for you by Bank of Cadiz & Trust Co.
3Medical discounts are NOT insurance.
4Credit Alert® is not a credit counseling service and does not promise to help you obtain a loan or improve your credit record, history or rating. The Credit Alert® service may be modified or improved at any time and without prior notice. Credit Alert® is a registered service mark of Affinion Publishing, LLC. Daily monitoring will notify members of any inquiries, certain derogatory information, accounts, public records or change of address that have been added to their credit reports as reported by one of the major credit reporting agencies. If no information has been added or changed, then the member will receive a quarterly notification stating that no information has changed within their credit file. Neither the Plan Administrator, the provider of the Credit Alert® service, or its credit information subcontractors, nor Financial Services Association shall have any liability for the accuracy of the information contained in the Credit Alert® reports which you receive, including any liability for damages, direct or indirect, consequential or incidental.
For more information about the Club Benefits Package contact a Customer Service Representative or refer to the Club Benefits Package brochure for details about the individual benefits.
