An account can be opened at any of our 61 offices, and most are opened in about twenty minutes. Existing customers can open an additional account in Q2 Online without coming in. A first account is opened in person, because federal law requires us to verify your identity before the account is funded.
| Item | Required | Notes |
|---|---|---|
| Government issued photo identification | Yes | Driver license, state identification card, passport or military identification. It must be current. |
| Social Security number or taxpayer identification number | Yes | The card itself is not required. We ask you to state the number. |
| Date of birth and physical street address | Yes | A post office box may be used for mail but not as the address of record. |
| Opening deposit | Yes | $50 for Everyday Checking, $100 for Calder Interest Checking. Cash, check or transfer from another institution. |
| A second form of identification | Sometimes | Requested when the first cannot be verified electronically. |
| Formation documents | Business accounts only | Articles, operating agreement or partnership agreement, and the identification of every beneficial owner holding 25 percent or more. |
Any of our offices, no appointment. Bring what is listed above. You leave with account and routing numbers, a temporary debit card in most offices, and your first order of checks placed. See locations and hours.
If you already bank with us, sign in and choose to open an additional account. Your identity is already verified, so the account is usually open the same business day.
Call (423) 555-0142 and we will start the application and tell you what still has to happen in person.
Offer code VF250. A $250 bonus is paid to a new personal checking account that meets all of the conditions below. One bonus per customer, and the offer is not available on an account opened to replace a Calder account closed within the previous twelve months.
| Condition | Requirement | Deadline |
|---|---|---|
| Account opened | Everyday Checking or Interest Checking, opened with the offer code | By September 30, 2026 |
| Qualifying direct deposits | Two or more, each of at least $500, from an employer or a government benefit | Within 90 days of opening |
| Account open and in good standing | Not overdrawn on the day the bonus is paid | At payment |
| Bonus paid | Credited to the account | Within 30 days of the second qualifying deposit |
A transfer from another account you own, an ATM deposit and a check deposit are not direct deposits for this offer. The bonus is interest and is reported on Form 1099-INT. If the account is closed within 180 days of opening, the bonus is deducted from the balance at closing.
We will not ask you for a password or a passcode while you are opening an account.
Nobody at Calder needs your online banking password, and we do not read one time passcodes back to you or ask you to approve a sign on you did not start. If someone contacts you claiming to be from Calder and asks for either, hang up and call us at (423) 555-0142. See report fraud.
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: when you open an account we will ask for your name, address, date of birth and other information that will allow us to identify you, and we may ask to see your driver license or other identifying documents.
Accounts are subject to approval. We may decline to open an account. Fees and account terms are in the deposit account agreement and the schedule of fees, both of which you receive at opening. Rates are on the deposit rates page. Member FDIC.