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

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Our top-tier account with all the perks
Account Types Advantage Club
Age 50+ Under Age 50
Super Now 50+ Interest Checking Simple Checking
Unlimited Check Writing
Online Banking & Bill Pay
VISA® Instant Issue Chip Debit Card 1
VISA® Debit Card Fraud Protection²
Free Transactions at Bank of Cadiz ATMs
Mobile and Text Banking 3
Email and Text Alerts
E-Statements with Check Images 4
24 Hour Telephone Banking
Accidental Death Insurance 5


Common Carrier Insurance 5
Identity Theft 911™
Living Family Journal
Free First Order of Checks
Free First Year on New Safe Deposit Box 6
Free Cashier's Checks & Money Orders
Earns Interest
No Minimum Balance Requirements
Monthly Fee $5.00 $8.00 $10.00 $0.00 $0.00
To Avoid Monthly Fee Maintain a balance of $2,000+
More More More More More

Reorder Checks

1 VISA® Instant Issue Chip Debit Card Fee of $7.00.
2 VISA® Chip Debit Card Fraud Protection - Standard internet service and text messaging rates may apply.
3 Mobile & Text Banking - Standard internet service and text messaging rates may apply. Mobile Check Deposit Available - $1.00 per deposit; 
4 Paper Statements with check images are available for a monthly fee of $3.00.
5 This product is Not a Deposit - Not FDIC Insured - Not Insured by any Federal Government Agency - Not Guaranteed by the Bank.
6 Size restrictions and locations will vary

Please contact any of the following for current rates or to obtain information on any of the above accounts: info@bankofcadiz.com

Advantage Club Checking

  • Advantage Club Checking – Join our Club!  
  • $8.00 Monthly Membership Fee
  • Accidental Death & Dismemberment Insurance¹
  • Common Carrier Insurance ¹
  • Identity Theft 911™ 
  • Living Family Journal
  • Unlimited Check Writing
  • No Minimum Balance Requirements
  • Free First Order of Checks
  • Check Images Provided
  • Free First year on New Safe Deposit Box¹
  • Free Cashier’s Checks & Money Orders

Discount For Age 50 and Over:

  • $5.00 Monthly Membership Fee
  • Interest paid on Daily balances of $1,000 or higher

¹ Insurance products are Not a Deposit – Not a FDIC Insured – Not Insured by any Federal Government Agency – Not Guaranteed by the Bank
² Size restrictions and locations will vary

Super Now

  • $2,000 and over no charge  
  • Under $2,000.00 - Monthly fee $10.00
  • Monthly statement - Check images provided
  • Interest rates subject to adjustment on a daily basis. Interest paid on Average Collected Balances $1,000.00 or higher.
  • *MINIMUM OPENING DEPOSIT OF $100.00 IS REQUIRED  

50 + Interest 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
  • Monthly Statement - Check Images Provided
  • *MINIMUM OPENING DEPOSIT OF $100.00 IS REQUIRED

Simple Checking

  • No Monthly Fee  
  • No Minimum Balance Requirements
  • Unlimited Check Writing
  • Free Online Banking statement or E-statement with check images
  • Paper statement with check images $3.00
  • *MINIMUM OPENING DEPOSIT OF $100.00 IS REQUIRED

Please contact any of the following for more information on any of the above accounts.
You may contact us or call toll free 866.554.6066. 

Cadiz: 
Andrea Esposito/Susan Holmes
Sarah Neighborgall
270.522.6066

Jennifer Knight
Yvonne Clayton
270.522.0450 

Hopkinsville: 
Pat Jenkins/Betty Winders 
Katherine Latham
270.885.3211

Murray: 
Ashley Burkeen
Lisa Shoemaker
270.759.4852