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 )

 

 

Checking Accounts

 

 

 

Value Club

  • Unlimited Check Writing
  • Accidental Death Insurance*
  • First Order of 250 Club Checks no charge
  • Discounts on Money Orders and Cashiers Checks
  • Monthly Statement - Check images available through Online Banking
  • Monthly Fee $6.00


*MINIMUM OPENING DEPOSIT OF $100.00 IS REQUIRED

 

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First Club

  • Unlimited Check Writing
  • Accidental Death Insurance*
  • First Order of 250 Club Checks no charge
  • Discounts on Money Orders and Cashiers Checks
  • Checks and Deposits images mailed in monthly statements
  • Monthly Fee $8.00


*MINIMUM OPENING DEPOSIT OF $100.00 IS REQUIRED

 

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First Club Plus

  • Unlimited Check Writing
  • Accidental Death Insurance*
  • First Order of 250 Club Checks no charge
  • Discounts on Money Orders and Cashiers Checks
  • Checks and Deposits images mailed in monthly statements
  • FOR AGES 55 AND OLDER - NO MONTHLY FEE!!
  • Interest paid on daily balances of $1,000 or more


*MINIMUM OPENING DEPOSIT OF $100.00 IS REQUIRED

 

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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
  • Check and Deposit images provided


*MINIMUM OPENING DEPOSIT OF $100.00 IS REQUIRED

 

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Simply Free Checking

  • No Monthly Maintenance Fee
  • No Minimum Balance Requirements
  • Unlimited Check Writing
  • Monthly statement-Check images available through Online Banking


*MINIMUM OPENING DEPOSIT OF $100.00 IS REQUIRED

 

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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 with images of checks and deposits 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

 

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Student Checking

  • For students under age 24
  • Students under 18 years of age must have an adult co-signer
  • No minimum balance requirements
  • No monthly maintenance fee
  • Unlimited Check Writing
  • First order of checks - No charge
  • Monthly Statement – Check images available through Online Banking
  • Free Online Banking
  • ATM/VISA Debit Card: Cards can be issued in either account holder's name
  • Visa Gift Card Discount 
  • Overdraft Protection - Cash Reserve (Subject to credit approval)
  • Upon customer's 24th birth date, account will convert to the Simply Free Checking Account


*MINIMUM OPENING DEPOSIT OF $100.00 IS REQUIRED

 

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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
  • Sarah Neighborgall
    (270) 522-6066
  • Jennifer Knight
    (270) 522-0450
  • Betty Winders
    (270) 885-3211
  • Jennifer Eidson
    (270) 759-4852

 

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 *Insurance products are:

 

  • NOT A DEPOSIT
  • NOT FDIC INSURED
  • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
  • NOT GUARANTEED BY THE BANK
  • MAY GO DOWN IN VALUE

 

 

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