Performance Checking We know how hard you work for your money, so choose the checking account that puts your money to work—for you.
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Performance Checking Features
Earn Interest
Online Banking
Open an Account with $50
- Enjoy the opportunity to earn higher interest rates
- Receive a Platinum Debit Mastercard®
- Receive ATM Fee Refunds*
*Annual Percentage Yield (APY) is subject to change without notice. The following balance tiers and APYs are accurate as of 4/27/2023: Under $30,001: 5.00%; $30,001 and above: 0.15%. Minimum opening deposit of $50 is required. Rates are subject to change at the bank’s discretion. Fees may reduce earnings. If you do not meet all three requirements during the statement period, you will earn the Standard Rate, 0.15% APY, on all balances. An ATM refund of the Cadence $2 service charge will be credited to the account AND up to an additional $2 will be refunded for fees charged by the ATM owner FOR THE FIRST FIVE non-Cadence transactions (for a total of up to $20) at the end of the statement cycle.
See Performance Checking details
- Earn higher interest rates on your balances of $30,000 or less by meeting three easy requirements each statement period:*
- Must have at least one direct credit or debit (ACH credit or debit), such as direct deposit or automatic bill payment
- Must make at least 12 debit card purchase transactions
- Must be enrolled in Online Statements
- Always earn the standard interest rate, even if requirements are not met
- Receive a Platinum Debit Mastercard®
- Receive up to five ATM fee reimbursements*
- Bundle your checking and savings accounts for a more convenient way to budget and save toward your goals
- Overdraft Protection options available3
- Opening deposit: $50
- Monthly requirements to avoid a monthly fee:
- $1,000 minimum daily ledger balance -OR-
- Meet all three higher-rate requirements
- Monthly higher rate of interest requirements* (balances of $30,000 or less):
- At least one direct credit or debit (ACH debit or credit), such as direct deposit or automatic bill payment
- At least 12 debit card purchase transactions
- Enrolled in Online Statements
- Monthly Fee: $15
- Maintain a minimum balance of $1,000 or meet the Higher Rate requirements to avoid a $15 monthly fee.
- Monthly statements:2
- No fee for Online Statements -OR-
- Paper statements: $2 per month
- ATM fee refund:*
- A refund of the Cadence $2.00 service charge will be credited to the account AND up to an additional $2.00 will be refunded for fees charged by the ATM owner FOR THE FIRST FIVE non-Cadence transactions (for a total of up to $20.00) at the end of the statement cycle.
Earn a higher interest rate
Just meet these three requirements each statement period*:
- Must make at least 12 posted debit card purchase transactions
- Must be enrolled in Online Statements2
- Must have at least one direct credit or debit such as direct deposit or automatic bill payment
Other personal checking accounts to consider
1Interest earned daily on the collected balance using the daily balance method and is credited and compounded monthly at statement time.
2If an account is not enrolled in online statements there will be a $2 monthly fee for paper statements.
3See Overdraft Protection Terms and Conditions for additional details and availability.
