Security. Credit Protection. Check Writing. Value Delivered.

This isn’t just a checking account. It’s a do more, protect more, worry less account. Cadence Bank Value Checking guards against identity theft, reports your credit score from the three major credit bureaus, and monitors your credit and debit cards. Plus, you can write as many checks per month as your balance will allow. This account even includes access to MyIDMatterssm, an educational website on identity theft issues. For only $8 per month.

Features of Value Checking include:

  • Minimum opening deposit of $50
  • Monthly service charge of $8
  • No minimum balance requirements
  • No interest paid on balances
  • Unlimited check writing
  • Debit card at no additional charge
  • 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 Texas.1
  • Free standard checks or $7 discount on other checks2
  • Small safe deposit box at no additional charge (as available)
  • 24/7 Telephone Banking at no additional charge
  • Online Banking and Bill Pay at no additional charge
  • E-statements at no additional charge
  • Three cashier’s checks per month at no additional charge
  • Up to $10,000 Accidental Death and Dismemberment Insurance increasing to $100,000 Common Carrier Insurance
  • Card Patrolsm — Real-time online monitoring of your debit or credit cards with an early warning system.3
  • Payment card protection4, guarding against loss or theft of credit, debit and ATM cards
  • Credit Information Hotline
  • Credit Report with Credit Score compiled by CreditXpert®5
  • Credit Alert®6 - 24-hour daily credit monitoring7
  • Up to $10,000 identity theft insurance
  • Identity Fraud Support Service
  • Access to MyIDMatterssm, an educational website on identity theft issues
  • Discounted gift cards8
  • Discounts on shopping, travel, car rental, entertainment, vacations, hotels and more 

Learn more about the valuable benefits available to Cadence Value Checking account holders.

Visit a Cadence Bank location today to enroll in Value Checking. 

 

Check Reorders: To reorder checks, go to Deluxe Check Order or call 877-838-5287. If you are a former Encore Bank customer, visit Order My Checks or call 800-355-8123. 

 

Special Program Notes:

Accidental Death Insurance is administered by Affinion Benefits Group and is underwritten by Hartford Life Insurance Company. A portion of the monthly membership dues, if applicable, will be used to pay the insurance premium to the plan administrator. As a member you'll automatically receive new benefits as they are added to your program. Coverage is divided equally among co-owners of joint accounts. The 24-hour Accidental Death and Dismemberment Insurance benefit reduces by half at age 70.

 

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.

2Postage and handling fees apply.

3Card PatrolSM monitors up to ten registered credit/debit cards and your social security number on the Internet, based on extensive research of directories and Internet chat rooms; however, it is impossible to ensure that all directories and Internet chat rooms have been searched for your personal information. Accordingly, your monitoring alert reports may not contain or apprise you of all your personal information that is publicly available or that may have been compromised.

4Some financial institutions may require you to call them directly and will not accept notifications from third parties, in which case we will contact you so that you can call your financial institution directly. You will be invoiced within 30 days of your request for the amount of the cash and/or cost of the airplane ticket.

5Your CreditXpert® Score™ is provided by CreditXpert Inc. Although this score is not used by lenders to evaluate your credit, it is intended to reflect common credit scoring practices and is designed to help you understand your credit. Your score is based on information from the files at Experian. Your scores may not be identical or similar to scores you receive directly from Experian or from other sources.

Affinion Benefits Group, the provider of the Credit Report and Score service, or its credit information subcontractors shall not have any liability for the accuracy of the information contained in the credit report or credit score which you receive, including any liability for damages, direct or indirect, consequential or incidental. The service is not a credit counseling or repair service and does not promise to help you obtain a loan or improve your credit record, history, or rating.

Your rights under the Fair Credit Reporting Act (FCRA). Under the FCRA, you have the right to request a free credit report once every twelve months from each of the nationwide consumer reporting agencies. You can request your report from each reporting agency at the same time, or at separate times, in three ways. Go to http://www.annualcreditreport.com and either complete the order form online, or print out and complete the Annual Credit Report Request form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Or call toll-free 1-877-322-8228 and request a report.

6Credit Alert® is not a credit counseling service and does not promise to help you obtain a loan or improve your credit record, history or rating. The Credit Alert service may be modified or improved at any time and without prior notice. Credit Alert is a registered service mark of Affinion Publishing, LLC. Daily monitoring will notify members of any inquiries, certain negative information, accounts, public records or change of address that have been added to their credit reports as reported by one of the major credit reporting agencies. If no information has been added or changed, then the member will receive a quarterly notification stating that no information has changed within their credit file.

Affinion Benefits Group, the provider of the Credit Alert service, or its credit information subcontractors shall not have any liability for the accuracy of the information contained in the Credit Alert reports which you receive, including any liability for damages, direct or indirect, consequential or incidental. The service is not a credit counseling or repair service and does not promise to help you obtain a loan or improve your credit record, history, or rating.

You will receive ongoing notifications regarding your Credit Alert® benefit and in the event that your report and score cannot be delivered, you will be notified.

7The request for Credit Report with CreditScore compiled by CreditXpert® and 24-hour daily credit monitoring benefit will be initiated at the time of enrollment.5 Joint account holders, for an additional fee, can request their own Credit Report with Credit Score compiled by CreditXpert® and Credit Alert benefit by completing an enrollment form.

8Gift card/gift certificate purchases limited to a total of 500 $25 cards annually. Participating merchants may change at any time without notice. Certain merchant restrictions and limitations may apply.  Call the toll-free number for the most up-to-date listing of merchants.

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