AlostarPersonal Account Application

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Important Information About Opening a New Account
Alostar, a division of Cadence Bank, N.A.,  like all financial institutions, is required by law to obtain, verify, and record information that identifies each customer that opens an account with us. When you apply for an account, we require your name, address, social security number, along with other information in order to identify you. 
We are not able to open accounts online for Trust, Estate, GATMA, or IRA accounts. If you would like to add a Power of Attorney, please contact us at 877-738-6391 as additional information is required.
You will receive notice of your application approval or denial within 24 business hours. If approved, you should receive your new account documents within 3-5 business days.
Your funding deposit and all documents that require signature must be received within 14 business days from the date of approval or the request will be considered withdrawn and the application closed
AloStar is a division of Cadence Bank, N.A. AloStar is the same insured depository institution as Cadence Bank, N.A. Deposits held at AloStar are not separately insured from deposits held at Cadence Bank, N.A.
Let's Get Started
Completing this application only takes about 5 minutes. Please have the following information ready in order to complete your application: 
  • Government issued ID  (Driver’s License, Passport, Military ID, or State ID)
  • Personal information, including address, phone number, and Social Security number
  • Previous address if at current address less than 2 years
  • Existing checking account, debit card or credit card information to make the initial deposit
  • Co-applicant information and identification if applicable (the co-applicant must be available to review the application and agree to the terms and conditions)
  • Must be at least 18 years of age
  • Must reside outside the state of Alabama, Georgia, Texas, Mississippi, Tennessee, or Florida.




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Personal Identity and Information






MM/DD/YYYY

You are on a protected site where your information is being transmitted securely. To protect your personal information, we use security measures that comply with federal law.










Address & Contact Information

PO Box not allowed

























Other Information


Must be specific in nature: "Stock Broker" verses "sales"


Must be specific in nature: "Stock Broker" verses "sales"










Virtual currency exchanges includes: Bitcoin (fund wallet), Bitstamp, Kraken




This shows their mailing address no matter which was filled in





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Beneficiaries

An arrangement between a bank and client, triggered by death of the client, that ensures beneficiaries listed on the account will receive all the account holder's assets and facilitates the immediate transfer of funds exempt from estate taxes and probate.
Beneficiary 1

Please provide the complete Beneficiary name and DOB for identification purposes.

MM/DD/YYYY





Beneficiary 2

Please provide the complete Beneficiary name and DOB for identification purposes.

MM/DD/YYYY





Beneficiary 3

Please provide the complete Beneficiary name and DOB for identification purposes.

MM/DD/YYYY





Joint Applicants

Joint bank accounts function much like standard checking accounts but belong to multiple people, each of whom can contribute to and use the money in an account equally. This is also known as "Tenants in Common". If one owner dies, the remaining owner owns the funds fully.
Joint Applicant 1 Information







MM/DD/YYYY

































Must be specific in nature: "Stock Broker" verses "sales"



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Explore Our Products and Interest Rates
Product Selection






























Overdraft Protection Program
Your New Account Comes with Overdraft Protection.

At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be costly, inconvenient and potentially embarrassing. 

What does Overdraft Protection cost? 
There is no additional cost associated with this privilege unless you use it. You will be charged our paid item charge of $35 for each overdrawn item created by a traditional paper- based check, a teller withdrawal, an automatic payment (ACH) transaction, or a recurring debit card payment. Also, if you authorize below, it will cover ATM transfers or withdrawals and everyday debit card purchases.
ATM/Debit Card must be selected above in Product Section or choose No Thanks.


How does Overdraft Protection work?


As long as you maintain your account in “good standing,” we may approve your overdraft items within your current available Overdraft Protection limit as a non-contractual courtesy.


For Overdraft Protection consideration, your account is in “good standing” if you:

  1. Make sufficient deposits to bring your account to a positive end-of-day balance at least once every 30 calendar days (including the payment of all bank fees and charges)
  2. Avoid excessive overdrafts suggesting the use of Overdraft Protection as a continuing line of credit
  3. There are no legal orders, levies or liens against your account

Please note that the amount of the overdraft plus our paid item charge of $35 for each item will be deducted from your overdraft limit. If the item is returned, the returned item charge of $35 will be deducted from your account. No interest will be charged on the overdraft balance. Please refer to the customer overdraft policy for additional details.


What if I go beyond my Overdraft Protection limit?


Overdrafts above and beyond your established Overdraft Protection limit may result in checks or other items being returned to the payee. The returned item charge of $35 will be charged per item and assessed to your account. An OD/NSF notice will be sent to notify you of items paid and/or returned.


How quickly must I repay my Overdraft Protection?


You should make every attempt to bring your account to a positive end-of-day balance as soon as possible, and you must do so within 30 calendar days. If you are not able to do so, you will receive a letter from Cadence Bank informing you that your Overdraft Protection limit has been suspended and additional items will be returned. Unless we advise you differently or you request this service be removed from your account, your limit will be made available to cover overdrafts again after you bring your account to a positive end-of-day balance.


How soon can I use my Overdraft Protection?


If you are a new customer, we will advise you one or more days after your account is opened that you may use the Overdraft Protection service. This is provided you have maintained satisfactory activity in the account, including regular deposits, consistent with our internal standards for new account types that may offer Overdraft Protection. Once you are notified and your Overdraft Protection limit is available to you, it may continue to be available provided you maintain the account in “good standing” as defined above.


How can I get help managing my account?


Ask your Cadence Bank representative for advice on managing your checking account. You could also consider a visit to Checking Navigator, an online service Cadence Bank offers our clients with information to help you better understand how checking accounts work, how to manage your account and how to avoid overdraft charges.You can browse at your convenience and take as much time as you want as you review it. Visit Checking Navigator at http://navigator.statebt.com.


What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

1. We have standard overdraft practices that come with your account.
2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans. 

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:
  • Check and other transactions made using your checking account number
  • Automatic bill payments
We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):
  • ATM transactions
  • Everyday debit card transactions
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. 
If we do not authorize and pay an overdraft, your transaction will be declined. 

What fees will I be charged if Cadence Bank pays my overdraft? 
Under our standard overdraft practices:
  1. We will charge you a fee of up to $35.00 each time we pay an overdraft. 
  2. The maximum number of overdraft charges that we can assess is 5 per day or $175.00.
Disclosures

Please review our account disclosures and acknowledge your consent by checking the corresponding “I Agree” box(es):


Electronic Communication and eSignature Disclosure

Terms and Conditions of the Account

Truth-in-Savings Disclosure

Electronic Fund Transfers Your Rights and Responsibilities



New Accounts

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Transfer from Cadence Bank Account


Other Financial Institution Information


Routing and Account Description



Transfers normally take 3-5 business days to settle with both institutions.
In order to open your account (“Account”) you must provide an initial deposit into the Account (the “Initial Deposit”) and, to the extent applicable, the amount of the Initial Deposit must be greater than or equal to the minimum Initial Deposit applicable to the Account.  You have elected to utilize the ACH Funds Transfer method for the purposes of making your Initial Deposit, and in so electing, you agree to the following terms and conditions:

You authorize Cadence Bank, N.A. (“Cadence Bank”) and/or its selected agents or service providers (collectively, “Service Providers” and, together with Cadence Bank, “We”, “Us”, or “Our”, as applicable) to initiate a funds transfer from the account you have specified (the “Funding Account”). 

You may be asked to provide additional information to verify the source of the funds from the Funding Account.  Depending on the nature of the Funding Account, We may determine that no additional information is needed and, accordingly, We may elect to withdraw the Initial Deposit without additional information.

The initial funding process can typically be completed within three (3) to five (5) business days.  However, this timing may vary for a variety of reasons.  Accordingly, We make no representations or warranties regarding the funding timeline. 

We are relying on the information that you provide to process the funds transfer(s) contemplated herein.  Any errors in such information, including, but not limited to, inaccuracies in account names/types, account numbers, or routing numbers are your responsibility.  We have no duty to investigate or verify the information provided and may process the funds transfer using all or part of the information provided.

We, in Our sole and absolute discretion, shall have the right to reject, reverse, cancel, or impose additional conditions upon any funds transfer(s) that you authorize at any time, with or without cause.  Without limiting the foregoing, We may elect to reject, reverse, cancel, or impose additional conditions upon any funds transfer(s) due to (i) insufficient funds in the Funding Account, (ii) unlawful or suspicious activity, (iii) receipt of an order from any law enforcement or regulatory agency, (iv) inability to verify  the information provided, (v) inaccuracies in information provided, (vi) failure to cooperate with any request for information, or (vii) any occurrence that is outside Our control, including, but not limited to, cyber-attack, strike, or a failure of electrical, telecommunication, or internet services.

Once a funds transfer is authorized, you may be unable to cancel or revoke such transfer.  Requests for information regarding the process for issuing a stop payment on the Funding Account should be directed to the financial institution that holds the Funding Account. 

Credits into the Account are provisional credits and are subject to reversal.  Should a reversal occur, you authorize Us to resubmit debit entries against the Funding Account until the Initial Deposit is complete.

At this time, the ACH Funds Transfer method for funding the Account is only available to customers with Funding Accounts located in the United States of America.
In addition to the above, you hereby represent and warrant and agree that:

  1. You are at least eighteen (18) years old and a resident of the United States
  2. You have provided a valid e-mail address.
  3. You own and/or control the Funding Account and have the right to access and use the Funding Account for the purposes specified in these terms and conditions.
  4. If you are not the sole owner of the Funding Account, all other owners have consented to your use of the Funding Account for the purposes specified in these terms and conditions.
  5. Any funds transfer contemplated in these terms and conditions is for legal purposes and is not in violation of any laws, rules, or regulations, including but not limited to laws and regulations relative to the prevention of money laundering and restrictions on transfers of funds to certain persons or organizations designated by the U.S. Department of Treasury and or the Office of Foreign Assets Control.
  6. You agree to comply with the National Automated Clearing House Association ("NACHA") rules, as the Originator under those rules.  You authorize Us to be an Originator on your behalf and to use an Originating Depository Financial Institution ("ODFI") (as defined under those rules) chosen by Us on your behalf.
  7. If We believe for any reason that a transaction is unlawful or suspicious, We may elect to block such transaction and take any further action We may deem necessary or advisable, to the full extent permitted under applicable law.
  8. You agree that you will not affect any funds transfer in a manner that could damage, disable, overburden or impair the funds transfer service or interfere with any other parties’ use of the funds transfer service.
The Federal Reserve Regulation GG imposes restrictions on financial institutions with respect to transactions conducted for the purpose of “placing, receiving, or otherwise knowingly transmitting a bet or wager by any means which involves the use, at least in part, of the Internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received, or otherwise made,” you hereby represent and warrant that said restricted transactions will not be processed through this service.

You agree to indemnify and hold Us harmless for any fees, fines, sanctions, or other damages that We incur in connection with your use of the services provided herein.

WE MAKE NO REPRESENTATION OR WARRANTY OF ANY KIND WHATSOEVER REGARDING THIS SERVICE, INCLUDING, WITHOUT LIMITATION, WARRANTY OF MERCHANTABILITY, WARRANTY OF FITNESS FOR PARTICULAR PURPOSE OR USE, WARRANTY OF NON-INFRINGEMENT, WARRANTY OF TITLE, OR ANY OTHER WARRANTY OF ANY KIND.

THIS SERVICE AND THE INFORMATION, DATA AND FEATURES ASSOCIATE HEREWITH ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASES.  WE SHALL NOT BE LIABLE TO YOU OR YOUR COMPANY, EMPLOYEES, AGENTS, OFFICER, OWNERS, OR THIRD PARTIES FOR ANY CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE OR INDIRECT DAMAGES OF ANY KIND WHATSOEVER INCLUDING, BUT NOT LIMITED TO, DAMAGES RESULTING FROM LOSS OR IMPAIRMENT OF BUSINESS OPPORTUNITY OR PROFIT, WHETHER OR NOT WE ARE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. YOU EXPRESSLY WAIVE ANY AND ALL CLAIMS THAT YOU YOUR COMPANY, EMPLOYEES, AGENTS, OFFICER, OWNERS, OR THIRD PARTIES MAY HAVE OR ASSERT AGAINST US TO THE EXTENT SUCH CLAIMS ARE RELATED, DIRECTLY OR INDIRECTLY, TO YOUR USE OF THIS SERVICE.  FOR THE PURPOSES OF THESE TERMS AND CONDITIONS, “DAMAGES” SHALL BE DEFINED BROADLY AND SHALL INCLUDE, WITHOUT LIMITATION, ANY AND ALL LOSS, INJURY, CLAIMS (WITH OR WITHOUT MERIT), EXPENSES, PENALTIES AND FEES, INCLUDING ATTORNEYS’ FEES AND ACCOUNTANTS’ FEES. 

Certain jurisdictions may not permit one or more of the exclusions or limitations provided above.  To the extent that the law of one of these jurisdictions applies to the service provided herein, Our warranties and damages shall be limited to the maximum extent permitted under the law of the applicable jurisdiction.

To the maximum extent permitted under applicable law, this Agreement, and all claims or causes of action (whether in contract, tort or statute) that may be based upon, arise out of or relate to the services provided hereunder, or the negotiation, execution or performance of these terms and conditions (including any claim or cause of action based upon, arising out of or related to any representation or warranty made in or in connection with the services provided hereunder or as an inducement to enter into these terms and conditions), shall be governed by, and enforced in accordance with, the internal laws of the State of Georgia, including its statutes of limitations.

These terms and conditions are subject to the provisions of the Deposit Account Terms and Conditions Agreement that you have entered into with Cadence Bank (the “Account Terms”), the terms of which are incorporated herein by this reference.  To the extent that these terms and conditions and the Account Terms conflict, these terms and conditions shall govern with respect to the specific services provided hereunder. 

These terms of service and the Account Terms represent the entire agreement of the parties hereto as they relate to the subject matter hereof and supersede all other oral, electronic, or written communications between the parties hereto.
Enter Credit/Debit Card Information




CVV Description


The billing address for the credit card being used must be the mailing address of the applicant.

Transfers normally take 2-3 business days to settle with both institutions.
Check Deposit Information

Mail check to the following address:

Cadence Bank, N.A.

ATTN: Client Care-new accounts

1349 West Peachtree Street NW

Suite 100

Atlanta, GA 30309


Phone: 877-738-6391  
Check should be made payable to: Name on Account
Include application number in memo field.

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Please verify the information below for accuracy.
Account Selection






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Applicant Information




















Joint Applicant Information




















The joint applicant's address is the same as the applicant's. 
Beneficiary Information




I have chosen Overdraft protection for my checking account and debit card.
I do not want Overdraft Protection for my checking account and debit card.
I agree to the terms and conditions of Electronic Communication and eSignature Disclosure.
I agree to the terms and conditions of Terms and Conditions of the Account.
I agree to the terms and conditions of Truth-in-Savings Disclosure.
I agree to the terms and conditions of Electronic Fund Transfers Your Rights and Responsibilities
By selecting Open My Account, you acknowledge that information provided on this application is correct to the best of your knowledge and you authorize Cadence Bank to obtain a credit report or other report or account information from credit or information services agencies to help verify the information you provided in this application.