Mobile Banking

Steps to Enroll:

Cadence Mobile Banking is available exclusively to Cadence Bank Online Banking customers. To sign up for Online Banking, click here.

To add Mobile Banking to your existing online banking account, get started below!

• Login to your Online Banking account and click the Other Services tab near the top of the screen. Then click MOBILE.
• Read the Mobile Addendum to the Internet Banking Agreement. This contains the terms and conditions of use. Click "I Accept" to continue.
• Click on the Enroll link and enter the requested details, including a Mobile Login ID that you select, Mobile PIN that you select, and your Mobile Number.
• Click Submit.
• After you enroll, you will receive 2 text messages- the first requesting you to reply YES to finish your enrollment. The second will provide you with the URL for the Mobile Site.
• Once you reply with YES, you will receive 2 more text messages — one confirming your enrollment and then another providing you with the 6 digit SMS/text number for Mobile Banking.

(Tip: Bookmark our mobile site in your favorites and add the text number to your phone's contact list so you can quickly access mobile banking without having to re-type it each time.)

Frequently Asked Questions

What is mobile banking?

Mobile Banking provides quick, secure account access from most supported mobile devices making it easy to see current account balances, view recent transactions, transfer funds between accounts, locate Cadence Branch locations, ATMs, etc.

Does mobile banking require a special phone?

No. We developed mobile banking to work with virtually all of today's phones and the most popular mobile phone service providers. You can use our service if your phone allows text messaging and you can browse the Internet on your phone.

Is there a charge for mobile banking?

Currently, Cadence Bank's Mobile Banking is free of charge. Your wireless telecommunications provider may charge you for data usage. Check with your provider for details regarding your specific wireless plan and any data usage charges that may apply.

How do I enroll in mobile banking?

Login to your online banking account at www.cadencebanking.com and click on the Other Services tab near the top of the screen. Then click Mobile.

Read and accept the Mobile Banking user agreement and click on the Enroll Now link. Follow instructions for selecting your Mobile Login ID and Mobile PIN, and then enter your mobile number.

After submitting your enrollment information, you will receive several text messages on your mobile device from us confirming your enrollment and providing you with important information to get you started.

Do I have to have the iPhone app to use mobile banking?

No, you do not have to have the iPhone® app to use mobile banking.

Why do the pages on the mobile site look different than the pages on the Cadence website?

Cadence Bank's Mobile Banking is device aware. Meaning, we will attempt to detect the type of smartphone you are using and give you the best presentation to match the screen resolution on your phone. In some cases, your screen may look more like the iPhone® screens than a typical mobile web browser.

What does SMS mean?

SMS stands for Short Messaging Service. It is also called text messaging.

What number do I send text commands to?

469228. Here's a tip. Add 469228 to your phone's contact list for quicker access.

What text commands can I use with mobile banking?

Our Text Banking Guide contains all the commands you will need.

Do I need to capitalize my text commands?

No. Text commands are not case sensitive. Sending "help", "HELP", or "Help" are all permitted.

How much will I be charged for each text received?

You will be charged the standard SMS rate from your provider (AT&T, Verizon, Cellular South, etc.). Standard/other charges may apply. Cadence Bank is not responsible for these charges.

How do I cancel my mobile banking service?

To cancel, login to your Internet Banking account and click the Other Services tab and then click on the Mobile tab. Select Un-Enroll and this will deactivate your account.

You can also text one of the following commands to 469228:

STOP
STOP ALL
CANCEL
END
QUIT
UNSUBSCRIBE

What happens if I change my phone number?

If you switch to a new mobile number, sign in to your Internet Banking account and click the Other Services tab. Then click on the Mobile tab. Select Change Login Details. Follow the directions on the page to submit your new information.

What should I do if I lose my phone?

As soon as you are aware that your phone is lost you should login to your Internet Banking account and click the Other Services tab and then click on the Mobile tab. Select Disable Mobile Access and this will deactivate your account. When you find your phone you can then reactivate the service. This will prevent anyone who finds the phone from attempting to access your account.

My spouse and I share a user ID for Online Banking. Can we both use Mobile Banking on our phones?

Yes and No. You can share the web portion of Mobile Banking but only one phone number may be set up for SMS Mobile Banking per Online Banking profile. If you both want to use SMS Mobile Banking, then you will have to have separate Online Banking and Mobile Banking profiles.

For all customer support issues, contact us at 1-800-636-7622 and Press 5 for Internet Banking/Mobile support.

Mobile Banking Security

We have developed Cadence Mobile Banking specifically with your security in mind. Our service uses the same high security standards as our Internet Banking system.

• All data is encrypted
• PIN login is required
• Enrollment is only available if you are Cadence Internet Banking user. This provides another level of security.

What this means to you is that your communications are scrambled from your browser to our servers at all times, so no unauthorized party can read the information as it is carried over the Internet. Additionally, our servers have been certified by a "Certificate Authority" to assure you that you are actually talking to our servers instead of someone pretending to be us.

Protecting your password and account information by:

• Not disclosing your personal account information to others (including your ATM PIN, online username, and password), and
• Promptly reporting incidents of unauthorized account access or use by calling 1-800-636-7622, option 5. You must notify us of unauthorized activity within 60 calendar days.

Mobile Banking Security Tips

When you use a mobile device for browser or text-based account access, keep these tips in mind:

Use the keypad lock or phone lock function on your mobile device when it is not in use. These functions password-protect your device so that nobody else can use it or view your information.

Keep your device in a secure location.

Delete old text messages from the bank and other financial institutions before loaning out, discarding, or selling your mobile device.

Never send personal information (account numbers, passwords, social security number, etc.) using text messaging. If a message is intercepted or your phone is stolen, it could be used in ID theft.

To ensure the safety of your personal and account information, only download mobile apps from reputable sources. You can download our iPhone Mobile App from iTunes.

Online Security Tips

Do not use your Social Security number as a username or password. Change your usernames and passwords regularly and use combinations of letters and numbers. Do not use your online banking password as a password for other online accounts.

If your current Cadence username or password is your Social Security number, call 1-800-636-7622, option 5 to have it changed.

Protect your online passwords and answers to security questions. Don't write them down or share them with anyone. Select questions and provide answers that are easy to remember, but hard for anyone else to guess.

Only shop using secure websites that you know and trust. Look for "secure transaction" symbols like a lock symbol in the lower right-hand corner of your web browser window, or "https://..." in the address bar of the website. The "s" indicates "secured" and means the web page uses encryption.

Always log off from any website after making a purchase with your credit or debit card. If you cannot log off, close your browser to prevent unauthorized access to your account information.