¹Cadence Bank Early Pay is a courtesy service available for consumer checking account holders at the sole discretion of Cadence Bank. Cadence Bank does not guarantee the early availability of any direct deposit. See Cadence Bank Deposit Terms & Conditions for details.

²Eligible overdraft protection sources are a Cadence checking account, savings account, credit card account, and line of credit (other than a Texas home equity line of credit). See Overdraft Protection Terms and Conditions for additional details.

³Accounts that receive free checks are required to pay tax and shipping on the check order. Please see the Cadence Bank Account Information Statement for more details regarding deposit accounts.

⁴If an account is not enrolled in online statements, there will be a $2 monthly fee for paper statements.

⁵Not 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 Bank. 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. Affinity Debit Cards have a $5 annual fee.

⁶The student waiver is available upon request for students under age 25. The student waiver will automatically be removed, and you will be subject to the My Way monthly fee requirements, beginning with the first monthly statement cycle following your 25th birthday. Students are also eligible to receive the first box of 25 checks at no charge or 50% off of a collegiate check style (first order only). Students must be at least 18 to have a single-party account. All students under the age of 18 must have a parent or guardian as a multiple-party account owner. If residing in Alabama, students under the age of 19 must have a parent or guardian as a multiple-party account owner.

⁷The Higher Rate is paid on Performance Checking account balances from $0-$30,000, and non-Cadence ATM fee refunds and credits (a total of $4.00 for each of the first five non-Cadence Bank ATM transactions each statement cycle) are given at the end of each statement cycle, when all of the following three requirements are met during a statement cycle: 1. Have at least one ACH debit or credit. 2. Have at least 12 debit card purchase transactions. 3. Receive online statements instead of paper statements by regular mail. If you do not meet all three requirements during the statement period, you will earn the Standard Rate on all balances. The Standard Rate is always paid on that portion of Performance Checking account balances over $30,000, even if the three requirements have been met. The Standard Rate is also paid on balances from $0-$30,000 for the entire statement cycle if any of the three requirements are not met for the Higher Rate at any time during the statement cycle. Rates are subject to change at the bank’s discretion. Fees may reduce earnings. Maintain a minimum balance of $1,000 or meet the Higher Rate requirements to avoid $10 monthly fee.

⁸Interest is earned on the Interest Plus Checking account according to the following tiers: $0 – $4,999; $5,000 – $9,999; $10,000 – $24,999; $25,000 – $49,999; $50,000 – $99,999; $100,000 +.

⁹Account must be enrolled in Cadence Bank Online Banking to receive online statements.

¹⁰Carrier data charges may apply. The Cadence Bank 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 cadencebank.com/mobile after enrolling.

¹¹Overdraft protection requires either a Cadence Bank Credit Card or Equity Credit Line (both subject to credit approval).

¹²Cadence Bank Credit Card is subject to standard credit card lending policies.

¹³Heritage Checking customers receive one box free per year of special member checks and 50% off any other check offer. Accounts that receive free checks are required to pay tax and shipping on the check order.

¹⁴Cadence Bank's Budget Smart Checking product is not eligible to participate in Cadence Bank's overdraft services including, but not limited to, overdraft protection services. Those services are discretionary and do not apply to Budget Smart Checking accounts and you will not be allowed to opt-in for such services. Cadence Bank will decline or return transactions when you do not have enough money in your account to cover the amount of the transaction. While this prevents you from overdrawing your account in most cases, there may still be times when your account could have a negative balance. In instances where transactions cause you to have a negative balance or where items you issue are returned unpaid, Cadence Bank will not charge you overdraft or insufficient funds fees. If you do have a negative balance, you will be obligated to repay the overdrawn amount. Member FDIC