¹The 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 MyWay monthly service charge 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.

²The 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.

³Interest 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 +.

⁴Account must be enrolled in Cadence Bank Online Banking to receive online statements. Monthly paper statement fee is avoided with a minimum daily balance of $500.

⁵Carrier 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.

⁶Overdraft protection requires either a Cadence Bank Credit Card or Equity Credit Line (both subject to credit approval).

⁷Cadence Bank Credit Card is subject to standard credit card lending policies.

⁸Heritage 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.

⁹Accounts 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.

¹³Cadence 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