Value Checking

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.

Features of Value Checking include:

  • Minimum opening deposit of $50
  • Monthly maintenance charge of $8
  • No minimum balance requirements
  • No interest paid on balances
  • Unlimited check writing
  • 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
  • Access to 55,000 surcharge-free ATMs worldwide
  • Up to $10,000 Accidental Death and Dismemberment Insurance increasing to $100,000 Common Carrier Insurance2
  • Card Patrolsm3 — Real-time online monitoring of your debit or credit cards with an early warning system.
  • 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 monitoring
  • Up to $10,000 identity theft insurance
  • Identity Fraud Support Service
  • Access to MyIDMatterssm, an educational website on identity theft issues
  • Discounted gift cards7
  • Discounts on shopping, travel, car rental, entertainment, vacations, hotels and more

Plus, you get all of these great features at no additional cost:

  • Standard checks or $7 discount on other checks8
  • Cadence Debit Card with Buzz Points Rewards
  • TotalMoney allows you to see all of your accounts in one place, including your accounts from other banks
  • Mobile Banking and FlashDeposit of checks from your Smart Phone
  • Online Banking with Bill Pay
  • e-Delivery of your bank statement and bank notifications
  • 24/7 Telephone Banking at no additional charge
  • Three cashier's checks per month
  • Small safe deposit box (as available)

 

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.

2Members will be insured for up to $10,000 in Accidental Death & Dismemberment Insurance 24 hours a day. The coverage is divided equally among co-owners of joint accounts and reduces 50% at age 70. Dismemberment benefit is paid as a percentage of the Accidental Death coverage.

Members will be insured for up to $100,000 in Accidental Death & Dismemberment Insurance while traveling by licensed Common Carrier. The coverage is divided equally among co-owners of joint accounts and reduces 50% at age 70. Dismemberment benefit is paid as a percentage of the Accidental Death coverage.

If there is more than one insurance benefit - If an Insured Person has multiple Losses as the result of one Accident, then We will pay only the single largest Benefit Amount applicable to the Losses suffered.

*Accidental Death Insurance - Accidental Death Insurance is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. The coverage described in this literature may not be available in all jurisdictions. This literature is descriptive only. Actual coverage is subject to the language of the policies as issued. Exclusions and limitations apply. Chubb, Box 1615, Warren, N.J. 07061-1615. This program is administered by Affinion Benefits Group, LLC.

Affinion Benefits Group, LLC, a licensed producer, is compensated for the placement of AD&D insurance and for the services it provides to customers on behalf of the insurance company, in addition to other compensation it may receive. More information is available upon request. For California Residents: Insurance product offered by Affinion Benefits Insurance Services, LLC, located in Tennessee; CA License #: 0547763.

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.

6With 24-hour daily credit monitoring through one of the major credit reporting agencies, members will be alerted automatically of certain negative changes to their credit. While it can't prevent identity theft, Credit Alert can reduce its impact by allowing you to minimize the damage.

The request for 24-hour daily credit monitoring benefit will be initiated at the time of enrollment. Members will receive ongoing notifications regarding their Credit Alert benefit.

Credit 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.

7Gift 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.

8Postage and handling fees apply.

 

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.

 

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