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 Account
  • First Club Account
  • First Club Plus Account
  • Regular Checking Account
  • Basic Checking Account
  • Super Now Account
  • Student Checking Account
• Savings Accounts
  • Personal Savings Account
  • Money Management Account
  • Christmas Club Accounts

Value Club Account

* Unlimited Check Writing
* Accidental Death Insurance*
* First Order of 250 Club Checks no charge
* No charge for Travelers Checks
* Discounts on Money Orders and Cashiers Checks
* Monthly Statement provided (checks not mailed)
* Monthly Fee $6.00

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First Club Account

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

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First Club Plus Account

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

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Regular Checking Account

* 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
$1000.00

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Basic Checking Account

* No Monthly Maintenance Fee
* No Minimum Balance Requirements
* Unlimited Check Writing
* No Check Images

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Super Now Account

* $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
* Interest paid on balances $500 and over

*MINIMUM OPENING DEPOSIT OF $100.00 IS REQUIRED

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Student Checking Account

* For students under age 24
* Account is FREE if the parent/guardian has a banking relationship with Bank of Cadiz & Trust Co.
* Students under 18 years of age must have an adult co-signer
* Minimum Opening Deposit - $100
* No minimum balance requirements
* No monthly maintenance fee
* Unlimited Check Writing
* First order of 50 checks - No charge
* Monthly Statement - checks & deposits not mailed
* Free Online Banking
* ATM/VISA Debit Card: Cards can be issued in either account holder's name
* Overdraft Protection - Cash Reserve (Subject to credit approval)
* Note: If there is no banking relationship with the parent/guardian, the account will be treated as the Basic Checking Account.
* Upon customer's 24th birth date, account will convert to the Basic Checking Account.
* Recommend: Parent or Guardian to sign on the account even if over 18 to give them the flexibility to transfer funds using the Online Banking service.

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* Minimum opening deposit $100.00
* Two (2) withdrawals per month
* Monthly fee of$1 .50 for balances under $100.00
* Quarterly statements provided on balances $100.00
* Accounts which are inactive for 6 months are charged $1.00 per month.

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Money Management Account

* Opening deposit of $2500.00
* Six (6) withdrawals per month
* $10.00 per transfer over 6 per month
* Monthly fee $5.50 if balance falls below $2500.00

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* The Bank of Cadiz opens Christmas Clubs every October through January
* Automatic transfers or the Traditional Christmas Club Coupon Book are available.
* Interest paid on all accounts $100.00 or more

MINIMUM OPENING DEPOSIT ON ALL ACCOUNTS $100.00 (EXCEPT CHRISTMAS CLUBS)

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Please contact any of the following for more information on any of the above accounts:

info@bankofcadiz.com

Toll Free (866) 554-6066

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