PRODUCTS AND SERVICES GUIDE INFORMATION ABOUT THE TRANSFER OF YOUR BUSINESS ACCOUNT FROM STATE BANK TO CADENCE BANK.

Transcription

1 PRODUCTS AND SERVICES GUIDE INFORMATION ABOUT THE TRANSFER OF YOUR BUSINESS ACCOUNT FROM STATE BANK TO CADENCE BANK.

2 WELCOME TO CADENCE BANK. WE ARE VERY PLEASED TO INTRODUCE YOU TO CADENCE BANK AND TO WELCOME YOU AS CLIENTS. YOU WILL FIND THE SAME FAMILIAR PEOPLE WHO SERVED YOU WELL AT STATE BANK ARE HERE TO SERVE YOU AT CADENCE BANK. You will also find that we share the same unwavering commitment to exceptional client service that you have come to enjoy. First, a little bit about us. At Cadence, we believe in delivering what we say we will, when we say we will. We believe that listening is at the heart of good service. And we believe that we will reach our vision by living up to our promises, and by living up to our responsibility of delivering products and services of real value to our customers. We are a motivated ally, informed and responsive, and willing to lead and be accountable. Every day, our associates seek to build long-lasting banking relationships that will enable you, our customers, and our communities to prosper. You can count on us to be nimble enough to give you the attention you deserve and the reliability you expect. In this guide, you will find information that will be helpful in the weeks ahead, including important details about conversion weekend. That is when your State Bank accounts will change to Cadence Bank accounts. This guide features essential details about your account information, checks, debit card, online banking, online bill payments, transfers, and more. Please take some time to review these details and keep this guide as a useful reference. It is our privilege to be your bank.

3 1

4 KEYS TO THE TRANSFER OF YOUR BUSINESS ACCOUNT ACCOUNT INFORMATION For most customers, checking, savings, CD, money market, loan and line of credit account numbers will not change at conversion. If there is a need to make a change, Cadence Bank will notify you by mail in a separate letter. The routing number for Cadence Bank is CHECKS Please continue to use your existing checks and deposit slips until it is time to reorder. Then contact your favorite branch or call for reorders. BUSINESS DEBIT CARDS You may also continue to use your existing business debit card. On February 19, 2019, your debit card s daily transaction limit will increase to $5,500 per day, with these limits by transaction category. If you have a custom pre-set daily transaction limit, it will be unchanged. Cadence Bank State Bank Transaction Type Daily Limit Daily Limit Signature $2,500 $2,500 PIN $2,500 $2,500 ATM $500 $500 New Daily Transaction Limit $5,500 Previous Daily Transaction Limit Total was $2,500 BUSINESS ONLINE BANKING AND BILL PAY Cadence Bank s Business Online Banking will be available to you on February 19. You can find more details about the conversion to Cadence s Online Banking on page 14 of this guide. ENSURING UNINTERRUPTED DIRECT DEPOSITS, PAYMENTS AND TRANSFERS If you have set up automatic payments or withdrawals taken directly from your account, please notify the affected business or merchant so the payee recognizes the payment as coming from Cadence Bank s routing number, which is GET IN TOUCH HAVE QUESTIONS? Call Stop by your favorite branch Visit cadencebank.com/sbt 2

5 3

6 YOUR NEW BUSINESS ACCOUNTS ACCOUNT OPTIONS Please see the business account summary on page 6 for more information about these checking, savings and money market accounts. STATE BANK converts to CADENCE BANK ACCOUNT ACCOUNT Micro Business Checking Online Micro Business Checking Community Account Business Trust Qualified Income Trust Business Checking Business echecking Business Interest Checking Repurchase Business Analysis Checking Attorney Trust IOLTA Ignite for Business Ignite for Business Ignite for Business Ignite For Business Ignite For Business Business Checking Plus Business Essentials Business Interest Business Interest Special Commercial Checking IOLTA Non-Profit Analysis w/interest Checking Business Interest CRE Reserve Public Funds Business Analysis Public Funds Business Checking Public Funds echecking Public Funds Community Account Business Checking II Public Funds Checking Public Funds Checking Public Funds Checking Public Funds Checking 4

7 STATE BANK converts to CADENCE BANK ACCOUNT ACCOUNT Public Funds Micro Business Public Funds Business Interest Public Funds Non-Profit Business Savings Public Funds Business Savings Public Funds Prime Savings Commercial Money Market Public Funds Business Money Market Public Funds Checking Public Funds Now Public Funds Now Business Savings Public Funds Savings Business Market Investment Savings Commercial Money Market Public Funds Money Market ACCOUNT NUMBERS AND CHECKS Unless otherwise notified by us, your checking and savings account numbers will not change. You can continue to use your existing supply of State Bank checks and deposit slips until otherwise notified. If you order checks from a source outside the bank, use your account number and the Cadence Bank routing number: In the event we need to change your account number to protect your account, you will receive additional information from us before February 19. 5

8 BUSINESS ACCOUNTS SUMMARY These Cadence services are available at no additional charge with your Business Checking Account. Basic Online Banking estatements Debit Card Debit Card Fraud Protection Allpoint and Presto! ATMs BUSINESS CHECKING PLUS IGNITE FOR BUSINESS BUSINESS ESSENTIALS 1 BUSINESS INTEREST CHECKING Key Features Designed for businesses that process fewer than 500 items per month 2 Designed for businesses that process fewer than 200 items per month 2 Most basic account for small businesses Earn interest on your balance. For sole proprietors and non-profits. In Comparison to Your Current State Bank Account Monthly service charge may be lower in some cases, and minimum balance to waive the fee is lower Simplified fee structure plus 200 items processed with no additional charge Simplified fee structure plus 200 items processed with no additional charge No transaction limits. Must maintain a minimum of $1,000 to earn interest Minimum Opening Deposit $50 $50 $50 $50 Monthly Service Charge $15 $10 $0 $12 To Avoid Monthly Service Charge Maintain a $3,000 minimum daily balance Maintain a $1,500 minimum daily balance Not applicable Maintain a $1,500 minimum daily balance Transaction Limits None Cost for Additional Items Over Limit $0.25 per Item over Limit $0.25 per Item over Limit $0.25 per Item over Limit Not applicable Earns Interest No No No Yes Discounts on Safe Deposit Boxes Where available Where available None None MarketWise Personal Checking Account Available at No Charge for the Business Owner(s) Yes Yes No No Online Bill Pay at No Additional Charge 3 Yes Yes Yes Yes Fees for non-cadence ATMs 4 Yes Yes Yes Yes 1 Available only for legacy State Bank clients whose accounts were converted to this account. 2 Items are defined as debits, credits and deposited items. $0.25 transaction fee per item for all items over the specified limit. 3 Upgraded Online Banking capabilities available for an additional fee. 4 There is no fee to use ATMs at Cadence Bank and in the Publix Presto! network, as well as more than 55,000 ATMs in the Allpoint network. At other non-cadence ATMs, there is a $2.50 Foreign ATM Transaction fee and a $0.75 Foreign ATM Balance Inquiry fee. 6

9 BUSINESS INTEREST SPECIAL BUSINESS CHECKING II 1 COMMERCIAL CHECKING IOLTA Earn interest on your checking balance. Manage your liquidity without transaction limits For businesses that process more than 500 items per month Allows Attorneys to manage funds by pooling smaller amounts of client funds held for short periods No monthly service charge on converted accounts only (unless on Analysis) The same fee structure and unlimited transactions Statement details and pricing will vary but account debits will remain neutral through June 2020 Accounts not subject to a monthly service charge. If on Account Analysis, requires corresponding operating account to charge fees $50 $50 $50 $50 $9 for analysis accounts $0 $30 $0 Maintain a $1,500 minimum daily balance Not applicable Earnings credit on qualifying balances can be used to offset monthly maintenance fee Not applicable None None None None Not applicable Not applicable Not applicable Not applicable Yes No No Yes None None Where available None No No No No Yes Yes Yes Yes Yes Yes Not applicable Not applicable 7

10 BUSINESS ACCOUNTS SUMMARY (continued) PUBLIC FUNDS CHECKING PUBLIC FUNDS NOW PUBLIC FUNDS SAVINGS PUBLIC FUNDS MONEY MARKET Key Features For businesses or municipalities identified as a public fund at the federal, state or local level Earn interest on your balance. Designed for businesses or municipalities identified as a public fund For businesses or municipalities identified as a public fund at the federal, state or local level Earn interest on your balances, for businesses or municipalities identified as a public fund In Comparison to Your Current State Bank Account Statement details and pricing will vary but account debits will remain price neutral through June 2020 Statement details and pricing will vary but account debits will remain price neutral through June 2020 Statement details and pricing will vary but account debits will remain price neutral through June 2020 Statement details and pricing will vary but account debits will remain price neutral through June 2020 Minimum Opening Deposit Monthly Service Charge $50 $50 $50 $50 $10 $10 $10 $0 To Avoid Monthly Service Charge Earnings credit on qualifying balances can be used to offset monthly maintenance fee Not applicable Not applicable Not applicable Transaction Limits None None None None Cost for Additional Items Over Limit Not applicable Not applicable Not applicable Not applicable Earns Interest No Yes Yes Yes Discounts on Safe Deposit Boxes None None None None MarketWise Personal Checking Account Available at No Charge for the Business Owner(s) Not applicable Not applicable Not applicable Not applicable Online Bill Pay at No Additional Yes Yes Yes Yes Charge 3 Fees for non- Cadence ATMs 4 Not applicable Not applicable Not applicable Not applicable 1 Available only for legacy State Bank clients whose accounts were converted to this account. 2 Items are defined as debits, credits and deposited items. $0.25 transaction fee per item for all items over the specified limit. 3 Upgraded Online Banking capabilities available for an additional fee. 4 There is no fee to use ATMs at Cadence Bank and in the Publix Presto! network, as well as more than 55,000 ATMs in the Allpoint network. At other non-cadence ATMs, there is a $2.50 Foreign ATM Transaction fee and a $0.75 Foreign ATM Balance Inquiry fee. 8

11 BUSINESS SAVINGS BUSINESS MARKET INVESTMENT SAVINGS 1 CERTIFICATES OF DEPOSIT / IRAS Key Features Basic savings account for businesses Higher rates are available at higher balance tiers Insured with a stated interest rate and variety of terms In Comparison to Your Current State Bank Account Your current interest rate will remain the same Your current interest rate will remain the same No change in rate, term, maturity date or withdrawal penalty during the initial term of your CD/IRA. Minimum Opening Deposit Minimum to Earn Interest Monthly Service Charge To Avoid Monthly Service Charges $50 $50 Varies $0.01 $0.01 Varies $4 $20 None $250 Minimum Daily Balance $25,000 Minimum Daily Balance Not applicable Monthly Transactions 2 $2 per withdrawal in excess of 2 per month $2 per withdrawal in excess of 2 per month Not applicable Fees for non-cadence ATMs 3 Yes Yes Not applicable Key Features In Comparison to Your Current State Bank account Minimum Opening Deposit COMMERCIAL MONEY MARKET 1 Tiered rates of interest Will earn the highest rate earned in Nov 2018 Jan 2019 in the State Bank Business Money Market leading up to conversion. Requires a minimum daily balance to avoid monthly service charge. $1,000 Minimum to Earn Interest $0.01 Monthly Service Charge $10 monthly 1 Available only for legacy State Bank clients whose accounts were converted to this account. 2 The number of withdrawals or transfers from a savings or money market account is limited to six per month by in-person withdrawals, pre-authorized transfer, automatic or telephone transfer, checks, drafts, debit card and similar transactions. 3 There is no fee to use ATMs at Cadence Bank and in the Publix Presto! network, as well as more than 55,000 ATMs in the Allpoint network. At other non-cadence ATMs, there is a $2.50 Foreign ATM Transaction fee and a $0.75 Foreign ATM Balance Inquiry fee. To Avoid Monthly Service Charges Monthly Transactions 2 Fees for non-cadence ATMs 3 Maintain a minimum daily current balance of at least $1,000 during the statement period 6 withdrawals per statement cycle, then $8 per transaction in excess of 6 Yes 9

12 INTEREST ON BUSINESS CHECKING, SAVINGS AND MONEY MARKET ACCOUNTS PAYMENT OF INTEREST Cadence pays simple interest on business checking, savings and money market accounts. That interest is compounded and credited to checking and money market accounts monthly and to savings accounts quarterly. VARIABLE INTEREST RATE Variable interest rates on checking, savings and money market accounts are subject to change at any time and are set by Cadence Bank. The Annual Percentage Yield (APY) will appear on your monthly or quarterly personal account statement. If you are seeking a fixed rate of return, Cadence Bank offers Certificates of Deposit to meet your investment needs. MINIMUM DAILY BALANCE REQUIREMENT If you have one of these accounts (Ignite for Business, Business Checking Plus, Business Interest Checking, Business Interest Special, or Commercial Money Market), you can avoid the monthly service charge by maintaining a minimum daily current balance in your account. If your daily current balance falls below the minimum on any day during the statement cycle, the monthly service charge will apply. % CONVERTING YOUR RELATIONSHIP RATE FOR COMMERCIAL MONEY MARKET State Bank s Commercial Money Market account provided you with a relationship rate that could vary monthly. At conversion, Cadence Bank will identify the highest rate that you earned in the previous three months at State Bank and set that as your rate guaranteed for at least 90 days. After 90 days, the rate may be subject to change as Cadence Bank is committed to competitive pricing, but the rate will no longer vary monthly. CERTIFICATES OF DEPOSIT ACCOUNT NUMBERS In order to prevent duplication, all CD account numbers will become 10 digits in length. If this should cause your CD account number to change, we will notify you in advance of conversion. 10

13 INTEREST RATE AND MATURITY DATE ARE UNCHANGED There will be no change to your interest rate or the maturity date(s) on your Certificates of Deposit (CD). They will remain the same until maturity. RENEWAL All CDs will be renewed automatically unless you chose another option. If you wish to add to or change the term of your CD, there is a 10-day grace period for automatically renewing certificates without penalty. To find rate information when your CD matures, contact one of our banking offices or call INTEREST Accrued interest not yet credited to a CD may be withdrawn without a penalty. However, interest credited during a previous term is considered principal and cannot be withdrawn without penalty. Current penalties established by State Bank will remain in effect until your current CD matures and through auto-renewal, if applicable. Interest will continue to compound in the same manner as State Bank CDs until maturity and through auto-renewal. When you open a new CD on or after February 19 (not a renewal of a State Bank CD), Cadence interest calculations and penalties will be detailed in the Truth in Savings Agreement provided at account opening. 11

14 ENSURING YOUR DIRECT DEPOSITS, AUTOMATIC PAYMENTS AND TRANSFERS ARE UNINTERRUPTED DIRECT DEPOSITS Cadence Bank will contact the organizations that deposit directly into your account(s) and inform them of the change in your bank routing number. While many organizations will accept our notification, some may not and may cancel your direct deposit. Please notify the appropriate parties of the new routing number: If you currently have scheduled direct deposits, we strongly recommend you contact those sources starting February 19, to verify that all changes have been made. If you encounter a problem with your automatic deposits, please contact your local banking center. AUTOMATIC PAYMENTS If you have automatic payments drafted from your checking or savings account(s), you will also need to change all automatic withdrawals or payment services to your new Cadence Bank account(s), so they recognize the payment coming from Cadence Bank s routing number. You can notify your electronic payee(s) and provide them your new routing number: YOUR STATE BANK DEBIT MASTERCARD You can continue to use your State Bank Debit MasterCard after February 19. Before it expires, you will receive a new Cadence Bank Debit Card with activation instructions. Please continue using your State Bank Debit Card and PIN surcharge-free. You may use your debit card surcharge-free at any Allpoint or Publix Presto! network location, too. Cadence Bank also provides a fraud monitoring service for your card. RECURRING DEBIT CARD PAYMENTS NO ACTION IS REQUIRED If you currently have automatic, recurring payments to merchants or other companies using your State Bank Debit Card, those will continue without interruption after conversion. DEBIT CARD FRAUD PROTECTION With the SecurLOCK Equip app, you can see a message on your mobile phone as soon as a charge is made to your debit card. And if you didn t make that purchase, you can immediately use the app to turn off your debit card to reject more misuse. Download the free SecurLOCK Equip app from the App Store or Google Play. SecurLOCK Equip is a registered trademark of FIS Global. Apple is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and Android are trademarks of Google Inc. 12

15 13

16 CONVERTING TO CADENCE BANK S BUSINESS ONLINE BANKING BEFORE FEBRUARY 15 PREPARE YOUR STATE BANK ONLINE BANKING FOR CONVERSION Beginning Friday, February 15, evening before conversion, State Bank s Online Banking will be available in view-only mode as we prepare for conversion. Thank you in advance for your patience during this transition. View-only mode means you will be able to view transactions completed through Friday on State Bank s Online Banking. You will be able to initiate new transactions beginning Tuesday, February 19, on Cadence s Allegro! portal. Unless you hear otherwise, your User ID will remain the same. Your State Bank estatements will not be available in Allegro! after conversion. For your convenience, Cadence will maintain State Bank s Online Banking system for 60 days so you have time to print or save your old estatements if you wish to maintain a copy. Verify and print how you ve set up these features in State Bank s Online Banking system in case you want to replicate them in Cadence s Allegro! portal: > ACH Payment Information > Wire Payment Instructions > Recurring Account-to-Account Transfers > User Entitlements STARTING ON TUESDAY, FEBRUARY 19 LOG IN TO CADENCE BANK S BUSINESS ONLINE BANKING SYSTEM ALLEGRO! The Cadence Allegro! portal is a cash management solution that integrates the services you need to manage cash balances, daily transactions and information. Our goal is to make an intuitive experience and get you the information you need in the way you need it. Log in to Allegro! at Be sure to bookmark the portal for future use. You can also access Allegro! from the Cadence Bank homepage at cadencebank.com. Certified browsers include Internet Explorer 10 and up, Google Chrome and Firefox. The login process will change only slightly. User ID: Enter your State Bank User ID (alias). Your user ID will be converted. Authentication and Sign in: The login wizard will prompt you to select the method ( or phone) in which you would like to receive your one-time PIN for authentication prior to proceeding to create your password. Once you enter your 14

17 one-time PIN, you may then proceed to establish your security questions and, if needed, update your personal information. Multi-factor Authentication (MFA) One-Time PIN at Login: If your company has required that a one-time PIN be part of your login process, this MFA method will be converted. Token at Login: If you currently use a token to log in to State Bank s Online Banking or Cash Manager, this method will not be converted. Your Treasury Professional will contact you to discuss MFA options. YOUR NEW ONLINE BANKING SERVICE Cadence Bank Allegro! is easy to use, secure, and gives you 24-hour access to your account information. Our customers have a single point of access to initiate a variety of transactions and review all account information online. Our goal is to provide you with a convenient way to do banking from anywhere. The login process to Allegro! will change slightly. We have detailed the login process under Log in to Cadence Bank s Business Online Banking System Allegro! on the preceding page. For State Bank s Online Banking Cash Manager users, you can find more details in the Treasury Management Reference Guide. STATE BANK SERVICE converts to CADENCE BANK SERVICE Online Banking Allegro! Business Online Banking This system provides you with: 13 months of Cadence transaction history and 7 years of Cadence estatements Ability to perform account transfers within your accounts Ability to place stop payments Access to Bill Pay Online Cash Manager Allegro! Our single sign-on portal allows you access to a full cash management product suite to help you monitor and manage the cash position for your business. 15

18 ENHANCED SECURITY TRUSTEER RAPPORT If you have not already downloaded Trusteer Rapport security software to your computer, it is still available and you can install it for added security. Like State Bank, Cadence Bank provides Trusteer Rapport free of charge as an added layer to protect your online banking communication from being stolen by criminals. Rapport is highly recommended by Cadence Bank as an additional layer of security to any anti-virus or security software you already use. By protecting your internet connection and creating a tunnel for safe communication with your online banking website, Rapport blocks malicious attempts to steal money from accounts. If you have not already downloaded it, you will get a prompt to download Trusteer Rapport after you log in to Online Banking. IMPORTANT CASH MANAGEMENT SERVICES Cadence Bank offers a wide range of Cash Management services including Online Banking and Bill Pay, ACH Origination, Wires, Positive Pay, Remote Deposit Capture and more. Treasury Management Toolkit to aid you in getting started after conversion as well as learning about services you may want to add. MONITOR OUR PROGRESS cadencebank.com/sbt You can follow the Online Banking and Treasury Management conversion at cadencebank.com/sbt We will provide updates in advance of and during conversion weekend. This microsite will include: A handy link to log in to Allegro! for the first time A list of Treasury Management training sessions you can enroll in at your convenience A link to State Bank s estatements to view or print And much more You can also call our Treasury Management Client Support/Premier Partners at for assistance. 16

19 17

20 ADDITIONAL INFORMATION ABOUT BANKING WITH CADENCE BANK TELEPHONE BANKING Soon you will have access to Cadence Bank s 24-Hour Telephone Banking. This service gives you access to your account information by calling On your first call to 24-Hour Telephone Banking, you will need your account number to access the system. Your PIN will be the last 4 digits of the Tax ID Number associated with your business account, and you will be prompted immediately to change your PIN. BANK STATEMENTS You will receive a final State Bank statement with account activity through Friday, February 15, with no monthly service charge and any accrued, unpaid interest credited. After conversion, your statement delivery date will change. Your first statement from Cadence will be either a partial or full month statement based on our cycle dates. Any monthly service charge for your final State Bank statement and your first two Cadence Bank statements will be waived. ELECTRONIC STATEMENTS Cadence Online Bank Account statements are available to you in Allegro! for seven years from the statement date. You will continue to have access to State Bank estatements via State Bank s Online Banking or Online Cash Manager for 60 days after conversion. We encourage you to download all available statements and save them on your network before April 19,

21 OVERDRAFT SERVICES Cadence Bank offers a Courtesy Overdraft Service, as well as overdraft protection via a linked savings account or line of credit. If you already have overdraft protection via a linked account, it will continue. If you have State Bank s overdraft service called Overdraft Privilege on eligible checking accounts, it will also continue. ACCOUNT AGREEMENT AND DISCLOSURES Cadence Bank s Deposit Account Agreement and Disclosures booklet is enclosed, which contains our terms and conditions. SCHEDULE OF CHARGES A list of miscellaneous and online service charges is also located in the Account Agreement and Disclosures booklet enclosed. 19

22 LOANS AND LINES OF CREDIT The terms and conditions of all loans, including note rate, term, payment and payment due date, will remain the same. After conversion weekend, you will have the option of making payments at any Cadence Bank branch or by mail. Your monthly loan notices from Cadence Bank will have a new size, format and summary information. Please begin using your monthly loan notice to make your payment. (We will continue to honor payments via existing coupon books, but no new coupon books will be issued.) We encourage you to make your payment payable to Cadence Bank and mail it to: CADENCE BANK P.O. BOX 4295 HOUSTON, TX WIRES If you have access to online wires via Online Cash Manager, you may access Allegro! Online Wires for your requests after conversion. If you need to wire money and do not have access to Allegro! Online Wires, please visit a Cadence branch for assistance. To protect our clients from fraud, we do not accept wire requests via or telephone. GET IN TOUCH HAVE QUESTIONS? Call Stop by your favorite branch Visit cadencebank.com/sbt 20

23 21

24 BANKING LOCATIONS As a Cadence Bank customer post-conversion, you will be able to bank at any of our Cadence Bank banking centers in Georgia, Florida, Alabama, Tennessee, Mississippi and Texas, as well as online at cadencebank.com or by phone at We are proud to offer you the same friendly and professional service you already enjoy. Our offices in Georgia are listed below. For additional locations, visit cadencebank.com/locations. Augusta Daniel Village 2805 Wrightsboro Road, Augusta, GA Monday Thursday 9 a.m. 4 p.m. Friday 9 a.m. 6 p.m. Monday Thursday 9 a.m. 4 p.m. Friday 9 a.m. 6 p.m. Evans 4349 Washington Road, Evans, GA Monday Thursday 9 a.m. 4 p.m. Friday 9 a.m. 6 p.m. Monday Thursday 7:30 a.m. 5:30 p.m. Friday 7:30 a.m. 6 p.m. Fury s Ferry 375 Fury s Ferry Road, Martinez, GA Monday Thursday 9 a.m. 4 p.m. Friday 9 a.m. 6 p.m. Monday Thursday 9 a.m. 4 p.m. Friday 9 a.m. 6 p.m. Hill Street 110 East Hill Street, Thomson, GA Monday Thursday 9 a.m. 4 p.m. Friday 9 a.m. 6 p.m. Monday Thursday 7:30 a.m. 5:30 p.m. Friday 7:30 a.m. 6 p.m. Saturday 9 a.m. 12 p.m. Main Office 3527 Wheeler Road, Augusta, GA Monday Thursday 9 a.m. 4 p.m. Friday 9 a.m. 6 p.m. Monday Thursday 9 a.m. 4 p.m. Friday 9 a.m. 6 p.m. Medical Center 1580 Walton Way, Augusta, GA Monday Thursday 9 a.m. 4 p.m. Friday 9 a.m. 6 p.m. Monday Thursday 9 a.m. 4 p.m. Friday 9 a.m. 6 p.m. West Town 3820 Washington Road, Martinez, GA Monday Thursday 9 a.m. 4 p.m. Friday 9 a.m. 6 p.m. Saturday 9 a.m. 12 p.m. Monday Thursday 7:30 a.m. 5:30 p.m. Friday 7:30 a.m. 6 p.m. Saturday 9 a.m. 12 p.m. Metro Atlanta Alpharetta 2380 Old Milton Parkway Alpharetta, GA Monday Friday 9 a.m. 4 p.m. Monday Friday 9 a.m. 4 p.m. Buckhead Tower Corporate Office 3399 Peachtree Road, Suite 1150 Atlanta, GA Duluth 1970 Satellite Blvd., Duluth, GA Monday Friday 9 a.m. 4 p.m. Monday Friday 9 a.m. 4 p.m. Marietta 250 Church Street NE, Marietta, GA Monday Friday 9 a.m. 4 p.m. Monday Friday 9 a.m. 4 p.m. Norcross 6170 Peachtree Parkway, Norcross, GA Monday Friday 9 a.m. 4 p.m. Monday Friday 9 a.m. 4 p.m. Paces Ferry 415 E. Paces Ferry Road, Atlanta, GA Monday Friday 9 a.m. 4 p.m. Monday Friday 9 a.m. 4 p.m. Two Midtown Plaza 1349 W Peachtree St NW, Suite 100 Atlanta, GA Monday Friday 9 a.m. 4 p.m. Middle Georgia Macon Bass Road 1535 Bass Road, Macon, GA Monday Thursday 8:30 a.m. 5 p.m. Friday 8:30 a.m. 6 p.m. Forsyth Road 4219 Forsyth Road, Macon, GA Monday Thursday 8:30 a.m. 5 p.m. Friday 8:30 a.m. 6 p.m. Saturday 8:30 a.m. 12 p.m. Hartley Bridge 4315 Hartley Bridge Road, Macon, GA Monday Thursday 8:30 a.m. 5 p.m. Friday 8:30 a.m. 6 p.m. 22

25 Log Cabin 4699 Log Cabin Drive, Macon, GA Saturday 8:30 a.m. 12 p.m. Monday Thursday 8:30 a.m. 5 p.m. Friday 8:30 a.m. 6 p.m. Saturday 8:30 a.m. 12 p.m. Northeast 614 Shurling Drive, Macon, GA Saturday 8:30 a.m. 12 p.m. Monday Thursday 8:30 a.m. 5 p.m. Friday 8:30 a.m. 6 p.m. Saturday 8:30 a.m. 12 p.m. Walnut 700 Walnut Street, Macon, GA Monday Thursday 8:30 a.m. 5 p.m. Friday 8:30 a.m. 6 p.m. Zebulon Road 5980 Zebulon Road, Macon, GA Saturday 8:30 a.m. 12 p.m. Monday Thursday 8:30 a.m. 5 p.m. Friday 8:30 a.m. 6 p.m. Saturday 8:30 a.m. 12 p.m. Athens 2234 West Broad Street, Athens, GA Monday Thursday 9 a.m. 4:30 p.m. Friday 9 a.m. 5 p.m. Monday Thursday 8:30 a.m. 4:30 p.m. Friday 8:30 a.m. 5 p.m. Gainesville 500 Jesse Jewell Pkwy, Gainesville, GA Monday Thursday 9 a.m. 4:30 p.m. Friday 9 a.m. 5 p.m. Monday Thursday 8:30 a.m. 4:30 p.m. Friday 8:30 a.m. 5 p.m. Glennville 205 S Veterans Blvd, Glennville, GA Monday Wednesday 9 a.m. 4 p.m. Thursday 9 a.m. 12 p.m. Friday 9 a.m. 6 p.m. Monday Wednesday 8 a.m. 4:30 p.m. Thursday 8 a.m. 12 p.m. Friday 8 a.m. 6 p.m. Saturday 8 a.m. 12 p.m. Gray 282 W. Clinton Street, Gray, GA Saturday 8:30 a.m. 12 p.m. Monday Thursday 8:30 a.m. 5 p.m. Friday 8:30 a.m. 6 p.m. Saturday 8:30 a.m. 12 p.m. Hinesville 119 East General Screven Way, GA Monday Friday 8:30 a.m. 5 p.m. Saturday 8:30 a.m. 12 p.m. Perry 1208 Washington Street, Perry, GA Saturday 8:30 a.m. 12 p.m. Monday Thursday 8:30 a.m. 5 p.m. Friday 8:30 a.m. 6 p.m. Saturday 8:30 a.m. 12 p.m. Reidsville 176 South Main Street, Reidsville, GA Monday Wednesday 9 a.m. 4 p.m. Thursday 9 a.m. 12 p.m. Friday 9 a.m. 6 p.m. Monday Wednesday 8 a.m. 4:30 p.m. Thursday 8 a.m. 12 p.m. Friday 8 a.m. 6 p.m. Saturday 8 a.m. 12 p.m. Savannah Drayton Street 120 Drayton Street, Savannah, GA Mall Boulevard 602 Mall Boulevard, Savannah, GA Monday Thursday 9 a.m. 5 p.m. Friday 9 a.m. 6 p.m. Saturday 9 a.m. 12 p.m. Unadilla 2206 Pine Street, Unadilla, GA Drive Thru Hours Monday Thursday 8:30 a.m. 5 p.m. Friday 8:30 a.m. 6 p.m. Warner Robins Houston Lake 119 S. Houston Lake Road Warner Robins, GA Saturday 8:30 a.m. 12 p.m. Monday Thursday 8:30 a.m. 5 p.m. Friday 8:30 a.m. 6 p.m. Saturday 8:30 a.m. 12 p.m. Highway Warren Drive, Warner Robins, GA Monday Thursday 8:30 a.m. 5 p.m. Friday 8:30 a.m. 6 p.m. Saturday 8:30 a.m. 12 p.m. 23

26 INDEX Accounts Summary Automatic Payments Bank Statements Branches Business Accounts Cash Management Certificates of Deposit...10 Debit Card Debit Card Daily Transaction Limits...2 Direct Deposits Electronic Statements Interest on Checking, Savings and Money Market Accounts...10 Loans & Lines of Credit...20 Login Instructions...14 Online Banking Overdrafts Routing Number...2 Security Telephone Banking Wires

27

28 cadencebank.com