Interest Plus Checking The higher your balance, the more you earn. Ready to put your money to work?

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Interest Plus Checking Features


Unlimited Bill Pay

Conveniently receive, track and pay all your bills online in minutes.

Overdraft Protection3

Prevent overdrafts by transferring funds from another account.

No Annual Fee Credit Card

There is no annual fee for the Cadence Mastercard® Credit Card with Cash Rewards.4
Additional features
  • Enjoy unlimited transactions
  • Earn tiered rates of interest based on your balance
  • Enjoy no service charges if you have a balance of $1,000+
See Interest Plus Checking details
Features and Benefits
  • Earn tiered interest rates based on your account balance1 — the interest-rate tiers are based on the following balances:
    • $4,999 or less
    • $5,000-$9,999
    • $10,000-$24,999
    • $25,000-$49,999
    • $50,000-$99,999
    • $100,000 and above
  • Enjoy unlimited check writing
  • Benefit from direct deposit and have your payroll, Social Security or other recurring incomes deposited straight into your checking account
  • Receive a Debit Mastercard®
  • No fee for online or paper statements
  • Manage your account with Online Banking
  • Bill Pay to make monthly payments through our secure website
  • Gain access to Spending, our online budgeting tool
  • Enjoy Mobile Banking2
  • Utilize Mobile Wallet – a fast and secure way to keep pace with your lifestyle6
  • Bundle your checking and savings accounts for a more convenient way to budget and save toward your goals
  • Gain access to your account information 24 hours a day with just a quick call to our InfoLine at 1-888-797-7711
Add-On Benefits

Want to get more from your Interest Plus Checking account? With our optional add-on products, you can build in the extra features that you want, for a minimal fee, without having to update your checking account option.

  • Overdraft Protection available3
  • Personalize your debit card by making it one of our collegiate or specialized Affinity Cards5
  • Opening deposit: $1,000
  • Requirements to waive monthly fee:
    • $1,000 minimum daily ledger balance
  • Monthly fee:
    • No fee if minimum daily ledger balance is met
    • $10 if balance falls below minimum
  • Monthly statements:
    • Online Statements at no additional charge
    • -OR-
    • Paper statements with imaged checks at no additional charge
  • Bill Pay at no additional charge with personal checking accounts
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Apply online or stop into your local branch.

3 steps to your new checking account.

  1. Complete our online application.
  2. Fund your account with $1,000.
  3. Sign up for online banking.

Other personal checking accounts to consider

Performance Checking

Earn a high rate of interest on your checking balance.

My Way Checking

Get all the features you’d expect, and more.

Budget Smart Checking

Avoid overspending and stay on track.

Heritage Checking

Get special perks for those 62 and over.

1Interest is earned on the Interest Plus Checking account according to the following tiers: $4,999 or less; $5,000 -$9,999; $10,000 -$24,999; $25,000 -$49,999; $50,000 -$99,999; $100,000+.

2Carrier data charges may apply. The Cadence Mobile Banking App is available for iPhone® and Android™ devices. Visit the iTunes Store or the Android™ Market to download your app today. If you do not have an iPhone or Android device, you can access Mobile Banking by going to after enrolling.

3See Overdraft Protection Terms and Conditions for additional details and availability.

4Cadence Credit Card is subject to the terms and conditions.

5Affinity Cards are available for any Cadence checking account and have an annual $5 fee per card.

6Not available for Cadence VISA credit card, Mastercard Business debit or credit card, or HSA customers. Only available for Mastercard personal debit cards or credit cards issued by Cadence. • Not all retailers accept mobile wallet payments. Look for the symbol or icon representing the mobile wallet app you use prior to making purchases. Additionally, the retailer must also accept Mastercard. • Availability of your mobile wallet may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

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