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Personal Checking Accounts Comparison Chart

 

Free Checking

Value Checking

MarketWise Checking

Cadence 50 Checking

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

Designed for those ages 50+; frees you from service fees and check-writing limitations while earning you discount on vision, hearing and prescription drugs

Minimum Opening Deposit

$50

$50

$50

$50

Monthly Service Fee 

No service fees

$8

The monthly service charge of $20 will be waived if the MarketWise account has a monthly average balance of $5,000, or a combined monthly average balance of $25,000 in Cadence checking accounts, savings accounts, money market accounts, certificates of deposit and IRAs

The monthly service charge of $9 will be waived if the Cadence 50 account has a monthly average balance of $750; or a combined monthly average balance of $1,500 in Cadence checking accounts, savings accounts, money market accounts, certificates of deposit and IRAs

Minimum Balance to Earn Interest

 

 

Interest earned on all positive balances

Interest earned on balances of $1,000 or more

Monthly   Transactions

Unlimited

Unlimited

Unlimited

 

Unlimited

Free Non-Cadence ATM Transactions 

 N

There will be no fee for the first two uses of a non-Cadence ATM each month, then $2 per use thereafter. Fees charged by the providers of non-Cadence ATMs will not be refunded. See exceptions below for Texas1

There will be no fee for non-Cadence ATM usage, and fees charged by the providers of non-Cadence ATMs will be refunded

There will be no fee for the first two uses of a non-Cadence ATM each month, then $2 per use thereafter. Fees charged by the providers of non-Cadence ATMs will not be refunded. See exceptions below for Texas1

Free First Order of Checks2

N

Y

Y

Y

Stock Checks at No Additional Charge2

 

Y

Y

Y

Debit Card at No Additional Charge

Y

Y

Y

Y

Direct Deposit at No Additional Charge

Y

Y

Y

Y

Free Online Banking

Y

Y

Y

Y

Free Unlimited Online Bill Pay

Y

Y

Y

Y

Free E-Statements3

Y

Y

Y

Y

Free 24/7 Telephone Banking

Y

Y

Y

Y

Free Mobile Banking4

Y

Y

Y

Y

Identity Protection5

Available

Available at no additional charge

Available

Available

Overdraft  Protection

Available

Available

Available

Available

Additional Features

Discounts on gift cards

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 

Discounts on gift cards

Safe deposit box for one year (as available); cashier’s checks (three per month); discounts on gift cards 

Special Discounts

 

Local and national discounts on shopping, travel, car rental, entertainment, vacations, hotels and more

 

Coast-to-Coast vision plan; Rx Advantage prescription drug program; hearing plan

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.

 

 

1For Texas account holders, there will be no fee for non-Cadence ATM usage, and fees charged by the providers of non-Cadence ATMs will be refunded.

2Applies to stock checks only; postage and handling fees will apply.

3Account holders enrolled in Cadence Online Banking may opt to receive free, secure e-statements at up to three email addresses.

4Mobile Banking is free from Cadence but fees may apply from your mobile service provider.

5Card 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.

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Online Security you can bank on!

Online Security you can bank on!

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