Personal Checking Account Comparison Chart
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Key Benefits |
No fee, standard account for basic everyday needs |
Loads of benefits and features designed to help you save while you spend |
Secure, interest-bearing checking with unlimited access for individuals and non-profits alike. |
Perfect for customers who like to make their money work harder, but still like all the things that make life easier |
Designed for those ages 50+; frees you from service fees and check-writing limitations while earning you discount on vision, hearing and prescription drugs |
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Minimum Opening Deposit |
$50 |
$50 |
$50 |
$50 |
$50 |
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Monthly Service Fee |
No service fees |
$8 |
No service fees for balances of $5,000 or more; $10 with a lower balance |
No service fees for balances of $1,500 or more; $12 with a lower balance |
No service fees for balances of $250 or more; $8 with a lower balance |
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Minimum Balance to Earn Interest |
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Interest earned on all positive balances |
Interest earned on balances of $1,000 or more |
Interest earned on balances of $1,000 or more |
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Monthly Transactions |
Unlimited |
Unlimited |
Unlimited
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Unlimited |
Unlimited |
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Free First Order of Checks1 |
Y |
Y |
Y |
Y |
Y |
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Stock Checks at No Additional Charge1 |
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Y |
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Y |
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Debit Card at No Additional Charge |
Y |
Y |
Y |
Y |
Y |
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Direct Deposit at No Additional Charge |
Y |
Y |
Y |
Y |
Y |
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Free Online Banking |
Y |
Y |
Y |
Y |
Y |
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Y |
Y |
Y |
Y |
Y |
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Free E-Statements2 |
Y |
Y |
Y |
Y |
Y |
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Y |
Y |
Y |
Y |
Y |
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Free Mobile Banking3 |
Y |
Y |
Y |
Y |
Y |
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Available |
Available at no additional charge |
Available |
Available |
Available |
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Available |
Available |
Available |
Available |
Available |
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Additional Features |
Safe deposit box (as available); cashier’s checks (three per month); $10,000 accidental death and dismemberment insurance and $100,000 common carrier insurance; discounts on gift cards |
Safe deposit box for one year (as available); cashier’s checks (three per month); discounts on gift cards |
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Special Discounts |
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Local and national discounts on shopping, travel, car rental, entertainment, vacations, hotels and more |
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Coast-to-Coast vision plan; Rx Advantage prescription drug program; hearing plan |
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Access more than 100 banking locations and over 1,000 ATMs. Cadence customers gain access to 100+ Cadence Bank ATMs in the Southeast and in Texas and more than 1,050 Publix Presto! ATMs located throughout Alabama, Florida, Georgia, South Carolina and Tennessee. All accounts include secure 24/7 account access via Online Banking, Mobile Banking and automated Telephone Banking. |
Visit a local Cadence Bank branch to discuss your options and begin your banking relationship with us.
If you have questions regarding an existing banking account with Cadence, contact Cadence Customer Service.
1Applies to stock checks only; postage and handling fees will apply.
2Account holders enrolled in Cadence Online Banking may opt to receive free, secure e-statements at up to three email addresses.
3Mobile Banking is free from Cadence but fees may apply from your mobile service provider.
4Card PatrolSM monitoring for debit and credit cards and access to MyIDMattersSM are included with all Cadence checking accounts; other identity protection products may be added to any Cadence checking account for an additional fee. Cadence Value Checking includes all identity protection products for no added fee.
