Brella helps you protect your debit card by sending you alerts when your card is used so you can quickly detect unauthorized or fraudulent activity on your account. Users have the option to receive alerts via text or email. You can also check your account balance anytime, turn your card off and on, send money to other Brella users and find nearby ATMs.
With this app, you have the ability to define when, where and how your debit card can be used.
This control can be used to disable a lost or stolen card, prevent fraudulent activity and control spending.
Standard internet service and text messaging rates may apply. Check with your mobile provider for details.
Bank of Cadiz & Trust Co. offers convenient access to its ATM machines located at all locations as well as additional services at our off premise locations. Our automated teller card provides customers with 24-hour access to the VISA and MasterCard networks worldwide.
Visa® Chip Debit Cards give you convenient, easy and secure access to your account.
Instant Issue Chip Debit Cards Are Here!
Contact one of our Customer Service Representatives today to get your new card.
¹ Customer must notify Bank of Cadiz & Trust Co. within 60 days of receiving statement with unauthorized activity. A $10.00 fee will be charged for a new debit chip card and replacing a lost, stolen or damaged card.
Please be aware of “vishing” attacks on your debit card. Bank of Cadiz & Trust Co. will not call you with a pre-recorded, automated phone call to “reactivate” your debit card requesting that you enter information. These calls are fraudulent and are not authorized by Bank of Cadiz or SHAZAM, our debit card service provider. If you receive such a call, please hang up immediately and contact one of our customer service representatives.
To report a lost or stolen Debit/ATM card after regular business hours, please call 800.383.8000.
If your debit card is lost or stolen contact us immediately at any of our locations and after regular business hours, please call 800.383.8000.
For more information about protecting your debit card visit the SHAZAM Bolt$ webpage about the benefits of using this app. If your identity has been stolen visit our Identity Theft webpage for tips and a comprehensive guide on what to do if you are a victim.
Reloadable cards are a great way to manage and control spending.
¹ Purchase fee is $4.50. Refer to terms and conditions for applicable fees. MasterCard reloadable cards are issued by MetaBank ® . Member FDIC, pursuant to license by MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated.
Federal Trade Commission – Protecting the Consumer
Report Identity Theft & Get a Recovery Plan
FDIC Electronic Deposit Insurance Estimator (EDIE)
Social Security Administration
Phishing
Computer Security
Customer Awareness Tips
Take Charge – What to do if your Identity is Stolen Guide
Our online banking offers Web Connect to download account information into Quicken® and QuickBooks®, the easiest way to organize your personal finances.
What you need to get started
First you will need a Customer ID and Password. With Web Connect, your Customer ID and Password are the same that you use to login to our online banking site.
For assistance, please see the Quicken®/QuickBooks® Getting Started Guide. Getting Started Guides are available on fi.intuit.com.
Quicken® and QuickBooks® are registered trademarks of Intuit Inc.
Some of your most valuable possessions simply cannot be replaced, no matter how you insure them. Bank of Cadiz & Trust Co. Safe Deposit Boxes provide for exceptional security and protection for your important papers and possessions.¹ Safe Deposit Boxes are available (subject to availability) at most of our convenient banking locations.² Stop by one of our locations to find out what box options are available.
Box Sizes
¹Safe Deposit Boxes are not FDIC insured. ² The office on Lakota Drive in Cadiz has self-service storage boxes.
270.522.0399
Telephone Banking gives you immediate access to the information you need most often, 24/7 from any phone. With telephone banking you can quickly and easily:
Log into Online Banking or contact us at any of our locations to update your address.
Easily transfer money to and from different financial institutions. Bank of Cadiz & Trust Co. has the ability to wire and receive available funds for you anywhere in the world. To initiate a wire transfer, contact a customer service representative at any our locations or our bookkeeping department at 888-314-8044.
You can transfer funds between your Bank of Cadiz accounts and your accounts at other financial institutions with our External Transfer Service. In order to use this service you must be enrolled in our Online Banking.
Bank of Cadiz & Trust Co. External Transfer Fees, Limits and Cut-off Time:
Standard Transfer Process – 4 business days (example: Start process on a Monday and funds will be credited to the receiving account on Thursday)
Transfer Limits:
$2,500 per day To/From non-Bank of Cadiz accounts – $3.00 per transfer and $.50 per transaction account request fee¹
External Transfer Cut-Off Time: 3:00pm CST
If you have additional questions regarding external transfers, please contact one of our Customer Service Representatives.
¹In order to validate your external account request two (2) small deposits (and a single withdrawal of these deposits) will be submitted for posting at the financial institution identified. After processing of these transactions you will be required to validate the amounts of the deposits that posted to the requested external account. Each request will be a charge of $.50 per transaction account. This is a one-time fee for each account you setup as long as it is verified before the request expires within a two (2) week period.
Bank of Cadiz & Trust Co. makes it easy to order checks online or by phone. You can also change the style of your checks or order checkbook covers, labels, accessories or stamps for adding endorsements or addresses. You also may contact us at any of our locations to place a check order or if your address has changed since your last check reorder.
You can reorder your personal checks by clicking on the Reorder Checks button below. If you are a business customer checks cannot be ordered online at this time. To help you place a personal check order, see the Checkbook Order Form from your previous checkbook order to find the:
We recommend that you do not print your Social Security Number, driver’s license number, other unnecessary personal information on your checks. Merchants should request and verify your identifying information when they accept the check from you.
Select your financial calculator below to begin.
One or more of the fields is not filled out.
The date you have entered is invalid!
The amount of time is too large to compute!
The amount is too large to compute!
Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
Your down payment exceeds the home price
Refinancing at a lower rate has the potential to save you thousands of dollars in the long run. However, for refinancing to be worth it, the savings in interest must be greater than the fees (i.e. points, closing costs) involved with the refinancing process. The refinancing calculator will take these fees into consideration and tell you how much you could save (or lose) should you decide to refinance at a lower rate.
Given the information on your fixed rate mortgage, the fixed rate mortgage calculator will determine how much your mortgage payments will be.
Calculates the payments and interest on your adjustable rate mortgage.
A balloon mortgage consists of paying smaller amounts at first, and then paying the a large portion of the mortgage at one time. This will show you the amount needed for a mortgage with a balloon payment.
The mortgage comparison calculator gives you financial statistics on different types of loans.
You can save a lot of money if you increase your monthly mortgage payment in order to pay it off faster. Find out how much you could save over the life of your loan.
Computes the most expensive house you can buy.
Factors in the costs and benefits of consolidating your debts to determine whats the financially best way to pay them off.
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Select your financial calculator below to begin.
One or more of the fields is not filled out.
The date you have entered is invalid!
The amount of time is too large to compute!
The amount is too large to compute!
Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
Your down payment exceeds the home price
Calculates the most expensive car you can afford.
Calculates a monthly savings amount in order to reach your college savings goal.
Computes how much money you will need to save each month in order to purchase something big.
Based on your financial details, the borrowing calculator determines how much money you can feasibly borrow and pay back.
Given loan information, determines the interest rate on that loan.
Determines the payment on a loan with a fixed rate.
Helps decide if an Auto Loan or Home Equity Loan is best for purchasing a car.
This calculator helps you evaluate various strategies for paying off your debt. When one debt is paid off, the payment amount normally applied to that debt is made available for use against another debt. This is referred to as the rollover strategy. Add an additional monthly payment for debt reduction to accelerate the payoff.
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Select your financial calculator below to begin.
One or more of the fields is not filled out.
The date you have entered is invalid!
The amount of time is too large to compute!
The amount is too large to compute!
Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
Your down payment exceeds the home price
Enter each transaction from your investment portfolio and determine your percentage yields before and after fees and taxes.
Estimates a monthly deposit amount in order to save to a million dollars.
Determines the return rate on an investment.
Computes what an amount invested today will be worth at some point in the future.
Compute the total amount you would be able to save with monthly deposits.
Compute the rate of return you would need to reach your savings goal.
Compute how much money you would need to start with to reach a savings goal.
Computes the monthly deposit amount needed to reach a savings goal.
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Select your financial calculator below to begin.
One or more of the fields is not filled out.
The date you have entered is invalid!
The amount of time is too large to compute!
The amount is too large to compute!
Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
Your down payment exceeds the home price
Which is better, a Traditional IRA or a Roth IRA? Traditional IRAs offer tax-deferred earnings and tax-deductible contributions. Roth IRAs offer tax-free earnings, but contributions are not deductible.
Use this calculator to compute the amount you can save in a tax-deferred Traditional IRA. Contributions to your Traditional IRA are usually tax deductible now, but you pay taxes when you withdraw the funds in retirement.
Use this calculator to compute the amount you can save in a Roth IRA where you pay taxes on your income now, but withdraw the funds tax-free in retirement. Because this is a Roth IRA, your contribution limit is after taxes and your effective contribution limit is higher than a Traditional IRA. This calculator allows you to enter your annual deposit amount in "Before Tax" dollars so that the after tax deposit amount is automatically computed for you.
Use this calculator to find out how long you can make recurring withdrawals of a specified amount from your savings account.
Use this calculator to find out what rate of return you would need to make recurring withdrawals of a specified amount from an account.
Use this calculator to find out how much money you must have in your savings account to make recurring withdrawals of a specified amount.
Use this calculator to compute how much you will be able to regularly withdraw from your savings account before you run out.
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Select your financial calculator below to begin.
One or more of the fields is not filled out.
The date you have entered is invalid!
The amount of time is too large to compute!
The amount is too large to compute!
Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
Your down payment exceeds the home price
This calculator computes the amount you can afford to lease.
This calculator computes the residual to satisfy a known payment amount, number of payments, lease rate, and lease amount.
This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments.
This calculator computes the lease rate based on a known payment amount, lease amount, residual amount, and lease term.
This calculator computes the amount you can afford to lease.
This calculator computes the residual to satisfy a known payment amount, number of payments, lease rate, and lease amount.
This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments
This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments.
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
| Account Type: | Balance Tier to Obtain APY | APY | Interest Rate | Additional Information |
|---|---|---|---|---|
Account Type: Advantage Club for 50+ 50+ Interest Checking Super Now Account | Balance Tier to Obtain APY $1,000.00 - $4,999.99 $5,000.00 - $19,999.99 $20,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000 and over | APY 0.05% | Interest Rate 0.05% | Additional Information
Advantage Club 50+, 50+ Interest Checking, Super Now and Money Management Rates based on Monthly Compounding
|
Account Type: Small Business Checking | Balance Tier to Obtain APY $5,000.00 | APY 0.05% | Interest Rate 0.05% | Additional Information
|
Account Type: Passbook Savings Account | Balance Tier to Obtain APY $100.00 - $999.99
$1,000.00 and over | APY 0.05% | Interest Rate 0.05% | Additional Information
|
Account Type: Christmas Club Account | Balance Tier to Obtain APY $100.00 and over | APY 0.05% | Interest Rate 0.05% | Additional Information
Minimum opening deposit $2
|
| Account Type: | Balance Tier to Obtain APY | APY | Interest Rate | Additional Information |
|---|---|---|---|---|
Account Type: Money Management Account | Balance Tier to Obtain APY $1,000.00 - $4,999.99
$5,000.00 - $19,999.99 $20,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 - $249,999.99 $250,000 and over | APY 0.05% | Interest Rate 0.05% | Additional Information
|
| Term | APY | Interest Rate | Additional Information |
|---|---|---|---|
Term 3 Months
6 Months 7 Months 9 Months | APY 0.10%
0.20% 0.20% 0.20% | Interest Rate 0.10%
0.20% 0.20% 0.20% | Additional Information
Monthly checks can be issued on Certificates of Deposit $10,000 or more. |
| Term | APY | Interest Rate | Additional Information |
|---|---|---|---|
Term 12 M
14 M 18 M 24 M 36 M 48 M 60 M | APY 4.58%
.20% 2.26% .30% 2.52% .40% 3.55% | Interest Rate 4.5%
0.20% 2.25% 0.30% 2.50% 0.40% 3.50% | Additional Information
Certificates and IRA rates based on quarterly compounding. These APYs do not take into account periodic withdrawals of interest. |
| Term | APY | Interest Rate |
|---|---|---|
Term 18 Months | APY 2.26% | Interest Rate 2.25% |
The above rates are the posted rates for all branches of the Bank of Cadiz Trust Co. Rates are subject to change on any day. Request further information concerning the fees and terms applicable to each account.
You can transfer funds between your Bank of Cadiz accounts and your accounts at other financial institutions with our External Transfer Service. In order to use this service you must be enrolled in our Online Banking.
Bank of Cadiz & Trust Co. External Transfer Fees, Limits and Cut-off Time:
Standard Transfer Process – 4 business days (example: Start process on a Monday and funds will be credited to the receiving account on Thursday)
Transfer Limits:
$2,500 per day To/From non-Bank of Cadiz accounts – $3.00 per transfer and $.50 per transaction account request fee¹
External Transfer Cut-Off Time: 3:00pm CST
If you have additional questions regarding external transfers, please contact one of our Customer Service Representatives.
¹In order to validate your external account request two (2) small deposits (and a single withdrawal of these deposits) will be submitted for posting at the financial institution identified. After processing of these transactions you will be required to validate the amounts of the deposits that posted to the requested external account. Each request will be a charge of $.50 per transaction account. This is a one-time fee for each account you setup as long as it is verified before the request expires within a two (2) week period.
For additional information on specific property or to arrange a showing, please contact the listing agent at the telephone number indicated for that property.
Residential
Commercial
The information provided here is for Reference Only. It is believed to be accurate but not guaranteed. All information is provided on an “as is” basis without warranty as to accuracy or completeness. The information does not constitute an offer to sell property. Bank of Cadiz & Trust Co. is not responsible for the products or services offered by the real estate professional identified in any particular listing.