Online banking

Internet Banking FAQs

Don't see your question here? Call 1-800-636-7622 Monday through Friday, 7 a.m. to 8 p.m. CST and our Electronic Banking Specialists will be happy to assist you.

Q: Why use online banking?
A: Millions of people worldwide are choosing the convenience, freedom and control of online banking. It's the kind of service you can't truly appreciate until you use it. One of the greatest benefits is having access 24 hours a day, 7 days a week, which allows you to bank at your convenience, not ours. Also, you can bank from anywhere in the world you have Internet access. Finally, you can transfer funds, pay bills and reconcile accounts with the click of a mouse button. It's simply a better, smarter, faster way to manage your money and your time.

Q: "Is banking online safe"?
A: Yes. Cadence's Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry with a "three strikes you are out" lock-out mechanism, data encryption and router firewalls. For pages where sensitive data is being transferred, a closed lock icon will always appear in the bottom of your screen.

Q: How much does Internet Banking cost?
A: Cadence Internet Banking account access is absolutely FREE to any Cadence customer.

Q: "What do I need to get started"?
A: All you need is a Cadence checking or savings account. You will also need a personal computer, which runs on Windows® 3.1 operating system or a newer version (such as Windows 95® or 98®), with a minimum modem baud speed of 14.4 is sufficient. You will also need a Web browser, such as Netscape 3.0 or higher, Microsoft Internet Explorer 3.02 or higher, or AOL 3.0 for Windows® 95.

Q: How do I enroll?
A: Go to the Enrollment page. Read the disclosure and complete the required information on the application. You will be asked to select a Login ID. After you submit your application, you will receive an email from Cadence within one business day containing your temporary password. You will need both to access the Internet Banking system. You will have the option of changing your temporary password the first time you log into the system. To add Bill Pay, simply call 1-800-636-7622, Monday through Friday, 7 a.m. to 8 p.m. CST.

Q: What accounts will be accessible through Internet Banking?
A: You will have access to all your deposit and loan accounts. You will need to verify that all appropriate accounts are viewable when you log in to bank online. Any account that is tied to your social security number may be viewed.

Q: How frequently is account information updated?
A: Account balances are real-time, so your information is up-to-the-minute.

Q: Can I transfer money to pay on a Cadence Loan?
A: Absolutely. You can also transfer money to and from your checking and savings accounts and your Home Equity Line of Credit.

Q: When will my transfer post to the receiving account?
A: Transfers initiated through Cadence Bank's online banking system before 7:30 p.m. CST on a business day are posted to your account the same day. Transfers completed after 7:30 p.m. CST on a business day, Saturday, Sunday or banking holiday will be posted on the next business day.

Q: How do I cancel a transfer?
A: Because transfers are "real-time" and post within minutes of being initiated, there is no way to cancel a transfer. However, you can simply transfer the money back to its original account (if the funds are still available).

Q: "How do I use Quicken® and Microsoft Money® with Internet Banking"?
A: If you have either of these programs loaded on your personal computer, you can download transaction histories from Cadence's Internet Banking System. This information can help you create a budget, reconcile your financial records, categorize and organize expenses for tax purposes, analyze spending trends, etc.

Q: Why do I get a message saying "Your Login Time Has Expired"?
A: After one hour, your banking session will automatically time out. This serves to protect you in case you are using Internet Banking and are called away from your computer for an extended period of time. This prevents someone from making any unauthorized transactions while you are away.

Q: Who do I call if I forget my password and/or Login ID?
A: Contact us at 1-800-636-7622 Monday through Friday, 7 a.m. to 8 p.m. CST, and our Electronic Banking Specialists will be happy to reset your account.

Q: Why do I get a message saying, "Your password has expired."
A: If you do not access your account information via Internet Banking for more the 60 days, the system will automatically lock you out. This is a security feature. Simply give us a call at 1-800-636-7622 Monday through Friday, 7 a.m. to 8 p.m. CST, and our Electronic Banking Specialists will be happy to reset your account.

Q: "How does Bill Pay work"?
A: Bill Pay allows you to submit bill payments online. No more writing checks or buying stamps! You can set up your own list of payees and enter the amounts to pay each month. You can also set up recurring payments. Payments are done both electronically and by paper drafts. Arrival times are different depending on the location of the payee. Estimated times are shown for each payee when a bill is initiated.

Q: Who can I pay using Cadence's Bill Pay?
A: You can pay virtually anyone, anytime, anywhere within the United States. Sending a payment with Cadence's Bill Pay is no different than writing a check from your checkbook.

Q: How much does Bill Pay cost?
A: Cadence Bill Pay is absolutely FREE to any Cadence customer.

Q: After I make a bill payment, how long does it take to be debited from my account?
A: The money is taken from your account the day you schedule the payment to be sent.

Q: Typically how long does it take for the payee to receive a payment?
A: If the payee is on the list of electronic payment recipients, then it will typically take two to three business days to process your payment. Other payments depend on the location of the payee. It ranges from 2-5 days.

Q: Can I see a demonstration before signing up?
A: Sure! Our online tour is a great way to see what Cadence Internet Banking has to offer - try it now!

Q: Can I use Bill Pay to pay recurring bills?
A: Yes. This is a great feature of Bill Pay that really helps you save time and ensure your bills are paid on time. You can create and send a payment to a payee at the frequency you specify without any additional input. Simply enter the payee name, payment amount, frequency of payment, the start date, and end date. We will automatically send the payments you have specified according to your instructions unless you stop the payment.

Q: What should I do if a payee has not posted my payment?
A: You should allow at least 5-10 business days for a payee to receive your payment. If a payee does not post your payment after five business days from your scheduled payment date you should first verify that you have given us the most current account number and address. If the information is correct, you may call the payee directly to make sure your payment and statement didn't cross in the mail. If you do so, please be sure to get a contact name and number for us so that we can follow up on the payment for you.

You can also call 1-866-445-8972, Monday through Friday, 8 a.m. to 5 p.m. CST, to speak with a Bill Pay Support Specialist. Please be prepared to provide the payee's name, verified account number, payment date and amount, as well as any telephone number or contact name you may have.

Q: How long does it take to receive my checks after I have ordered them online?
A: A typical check order will arrive 7-10 business days after the order has been initiated. Faster shipping methods can be arranged for an additional fee. Notice: re-ordered checks will be the same style as your previous order. For first time orders or different style selections, please contact the branch nearest you. You can verify the status of your check orders 24 hours a day by going to Deluxe Check Order.

Q: How long is a stop payment binding after being submitted over the Internet?
A: Stop payments submitted over the Internet are binding for only 14 days unless confirmed in writing within that period. Written stop payments become ineffective 6 months from date accepted. To submit a written stop payment request, print out and complete the form provided on the stop payment page and mail it to the address at the bottom. (There is a small fee for each stop payment requested.)