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Cadence Bank

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About

Cadence Bank is a regional bank headquartered in Houston, Texas, with branches located throughout the southern United States. The bank was founded in 2009 and offers a wide range of retail, commercial, and business banking and financial solutions, including personal and business checking and savings accounts, mortgages, loans, credit cards, and wealth management. It operates in Alabama, Florida, Georgia, Mississippi, Tennessee, and Texas through its over 400 locations.

Cadence Bank also offers online and mobile banking services, allowing customers to access their accounts, make deposits, pay bills, and transfer funds from anywhere, at any time. Additionally, the bank provides various specialized services, such as treasury management, international banking, and insurance.

Cadence Bank emphasizes personalized service, aiming to build long-term customer relationships. The bank also supports the communities it serves through charitable donations, volunteerism, and various other initiatives.

Key Features

Some of the key features of Cadence Bank include:

  1. Personalized Service. Customers are offered personalized banking services to meet their unique needs. The bank's representatives work with customers to understand their financial goals and provide tailored advice and solutions.
  2. Convenient Banking. The financial institution provides a range of banking services that are convenient and accessible, including online and mobile banking. Customers can manage their accounts, make deposits, pay bills, and transfer funds quickly from their computers or mobile device.
  3. Comprehensive Product Offerings. Cadence Bank offers a wide range of banking and innovative banking solutions, including checking and savings accounts, loans, credit cards, mortgages, wealth management services, and more.
  4. Specialized Industry Focus. The bank has specialized knowledge and expertise in certain industries, including healthcare, energy, and real estate. It provides specialized banking and financial services to customers in these industries, including customized lending solutions and tailored financial advice.
  5. Customized Business Solutions. Customized business banking solutions are designed to help small and mid-sized businesses manage their finances and grow. The bank's business banking team works closely with business owners to understand their needs and provide tailored solutions, such as cash management tools, commercial loans, and lines of credit.
  6. Emphasis on Diversity and Inclusion. Cadence Bank strongly emphasizes diversity and inclusion, striving to create a workplace culture that is inclusive and welcoming to all. The bank has launched various initiatives to promote diversity and inclusivity, including employee training programs and partnerships with organizations that support underrepresented communities.
  7. Community Involvement. The bank is committed to supporting the communities it serves through charitable donations, volunteerism, and other community initiatives.

Requirements

The specific requirements to open an account with Cadence Bank may vary depending on the type of account and your location. However, in general, here are some of the common requirements:

  1. Personal Information. You will need to provide personal information such as your full name, date of birth, Social Security number or Tax ID number, and a valid government-issued photo ID such as a driver's license or passport.
  2. Contact Information. You will need to provide your contact information, including your address, phone number, and email address.
  3. Opening Deposit. You will need to make an opening deposit to fund your new account. The amount required may vary depending on the type of account and location.
  4. Additional Documentation. Depending on the type of account and location, you may be required to provide additional documentation, such as proof of address, business documentation (if opening a business account), or other financial statements.
  5. Eligibility Requirements. You must meet the eligibility requirements for the type of account you want to open. For example, some accounts may require a minimum age or minimum balance requirement.

It's always a good idea to contact Cadence Bank or visit their website to learn more about the specific requirements for opening an account. Additionally, you can speak with a representative of the bank who can guide you through the process and help answer any questions you may have.

Access on the Go

Cadence Bank provides multiple options for customers to access their banking services on the go. Here are a few ways to access the bank's services remotely:

  1. Online Banking. The online banking platform allows customers to manage their accounts and perform transactions from their computer or mobile device. They can view account balances, transfer funds, pay bills, and deposit checks remotely through the online banking platform.
  2. Mobile Banking. It can be download to their smartphone or tablet. The app allows customers to access their accounts, view balances, deposit checks, and perform transactions from anywhere at any time.
  3. Telephone Banking. Customers can access their Cadence Bank accounts through their telephone banking service. They can check account balances, transfer funds, and perform other transactions by calling the bank's toll-free number.
  4. ATMs. The financial institution has a network of ATMs located throughout its service area. Customers can use these ATMs to withdraw cash, deposit checks, and perform other basic banking transactions.
  5. Branches. Cadence Bank has branches located throughout its service area. Customers can visit these branches to speak with a representative, access a range of banking services, and perform transactions.

By using any of these remote access options, Cadence Bank's customers can easily manage their accounts and perform banking transactions while on the go.

Cadence Bank products

Cadence Bank offers a range of business, commercial, and consumer banking products and services to meet the financial needs of its customers. Here are some of the products and services offered by Cadence Bank:

  1. Personal Checking Accounts. The financial institution has a variety of personal checking accounts with features such as online and mobile banking, debit card rewards, and overdraft protection.
  2. Personal Savings Accounts. Customers can choose among personal savings accounts with competitive interest rates and features such as online and mobile banking, automatic transfers, and overdraft protection.
  3. Money Market Accounts. They provide a competitive interest rate while allowing customers to access their funds.
  4. Certificates of Deposit (CDs). Cadence Bank offers CDs with various terms and competitive interest rates.
  5. Personal Loans. The bank issues consumer loans for various purposes, such as debt consolidation, home improvements, or unexpected expenses.
  6. Mortgages. Customerds can get mortgage loans for home purchases or refinancing, with a range of loan products and competitive interest rates.
  7. Credit Cards. They have competitive interest rates, rewards, and benefits.
  8. Business Checking Accounts. Cadence Bank offers various business checking accounts with features such as online banking, mobile banking, and merchant services.
  9. Business Loans. A range of business loans are designed to help businesses meet their financial needs, such as equipment financing, lines of credit, and SBA loans.
  10. Personal and business insurance. The financial institution provides insurance products to meet its customers' personal and business insurance needs.
  11. Financial planning. The bank offers tools and resources to help you save for life.
  12. Cash Management Services. The financial institution has various cash management services for businesses, including ACH and wire transfers, remote deposit capture, and merchant services.

These are just some of the products and services offered by Cadence Bank. In addition, the bank also provides wealth management services, investment products, and other financial services to its customers.

Which associations does Cadence Bank belong to?

Cadence Bank is a member of several banking associations, regulatory bodies, and other organizations in the United States. Here are some of the key associations and organizations it belongs to:

    These are just some of the key associations and organizations that Cadence Bank belongs to. It can stay up-to-date on regulatory and industry developments by being a member of these associations, collaborating with other banks, and providing its customers with high-quality financial services.

    Bank Reliability

    Cadence Bank is a leading regional banking franchise with a long history of providing its customers with reliable, high-quality financial services. Here are some reasons why this bank is considered a reliable financial institution:

    1. Strong Financial Position. Cadence Bank has a strong financial position and is well-capitalized, with a strong balance sheet and a solid track record of financial performance. This financial stability helps to instill confidence in customers and demonstrates the bank's commitment to financial responsibility. Currently, it has over $48 B in assets.
    2. Customer Service. The bank is committed to providing excellent customer service, focusing on building long-term relationships with its customers. It has has a team of experienced professionals who are dedicated to helping customers achieve their financial goals.
    3. Innovative Products and Services. They are designed to meet its customers' changing needs. The bank is constantly adapting and evolving its offerings to stay ahead of the curve in the rapidly changing financial services industry.
    4. Regulatory Compliance. Cadence Bank is committed to regulatory compliance and operates with the highest standards of integrity and ethics. It has a strong compliance culture and is committed to maintaining a safe and sound banking system for its customers.
    5. The financial institution is a publicly-traded company, and its stock is listed on the New York Stock Exchange (NYSE) under the ticker symbol CADE.

    Cadence Bank's status as a leading regional banking franchise, combined with its strong financial position, customer service, innovative products and services, regulatory compliance, and community involvement, make it a reliable and trustworthy financial institution.

    Cadence Bank vs. Regions Bank

    Cadence Bank and Regions Bank are regional banks in the United States that offer their customers a range of financial services. While they have some similarities, there are also some key differences between the two banks. Here are a few of the key differences:

    1. Size. Regions Bank is a larger bank than Cadence Bank in terms of assets and geographic reach. Regions Bank has over $157 billion in assets and operates in 15 states across the Southeastern United States, while Cadence Bank has approximately $48 billion in assets and operates in 6 states.
    2. Branch Network. Regions Bank has a much larger branch network than Cadence Bank, with over 1,300 branches compared to Cadence Bank's approximately 400 branches. This makes Regions Bank more accessible to customers in a broader range of locations.
    3. Product Offerings. While both banks offer a range of financial products and services, there are some differences in their product offerings. For example, Regions Bank offers a broader range of wealth management and investment services, while Cadence Bank has a stronger focus on commercial banking and lending.
    4. Market Position. Regions Bank is one of the largest banks in the Southeastern United States and is well-established in the markets it serves. At the same time, Cadence Bank is a smaller bank with a more focused geographic footprint. This can impact the types of customers each bank serves and the types of financial needs they are best equipped to address.

    While Cadence Bank and Regions Bank have some similarities in terms of the types of financial services they offer, there are also some key differences in their size, branch network, product offerings, customer service, and market position. When choosing between these two banks, customers should carefully evaluate their financial needs and priorities.

    Cadence Bank vs. BancorpSouth bank

    Merger: In 2021, BancorpSouth Bank and Cadence Bank announced that they would be merging, with BancorpSouth Bank acquiring Cadence Bank in a deal worth approximately $2.8 billion. The merger was completed the same year, completing a combined bank with roughly $44 billion in assets and a presence in 12 states across the Southern United States.

    Cadence Bank vs. First Bank

    Cadence Bank and First Bank are regional banks in the United States that offer their customers a range of financial services. While they have some similarities, there are also some key differences between the two banks. Here are a few of the key differences:

    1. Size. Cadence Bank is a larger bank than First Bank in terms of assets and geographic reach. Cadence Bank has approximately $48 billion in assets and operates in 6 states, while First Bank has roughly $8 billion in assets and operates in 3 states.
    2. Branch Network. Cadence Bank has a more extensive branch network than First Bank, with over 100 branches compared to First Bank's approximately 80 branches. This makes Cadence Bank more accessible to customers in a broader range of locations.
    3. Product Offerings. While both banks offer a range of financial products and services, there are some differences in their product offerings. For example, Cadence Bank has a stronger focus on commercial banking and lending, while First Bank offers a broader range of wealth management and investment services.
    4. Market Position. Cadence Bank is a leading regional banking franchise in the southeastern United States. First Bank is a smaller regional bank that is less well-known outside its core markets. This can impact the types of customers each bank serves and the types of financial needs they are best equipped to address.
    5. Financial Performance. Cadence Bank has a strong financial performance record, with consistently high profitability and financial stability levels. First Bank has also been profitable in recent years but may have a more variable financial performance due to its smaller size and geographic footprint.

    While Cadence Bank and First Bank have some similarities in terms of the types of financial services they offer, there are also some key differences in their size, branch network, product offerings, market position, and financial performance. When choosing between these two banks, cAs a result, customers should carefully evaluate their financial needs and priorities.

    Cadence Bank vs. National Bank of Commerce

    Cadence Bank and National Bank of Commerce (NBC) are regional banks in the United States that offer their customers a range of financial services. While they have some similarities, there are also some key differences between the two banks. Here are a few of the key differences:

    1. Size. Cadence Bank is a larger bank than NBC in terms of assets and geographic reach. Cadence Bank has approximately $48 billion in assets and operates in 6 states, while NBC has roughly $1.2 billion in assets and operates in Minnesota and Wisconsin.
    2. Product Offerings. While both banks offer a range of financial products and services, there are some differences in their product offerings. For example, Cadence Bank focuses more on commercial banking and lending, while NBC offers a broader range of retail banking products and services.
    3. Market Position. Cadence Bank is a leading regional banking franchise in the southeastern United States. NBC is a smaller regional bank less well-known outside its core markets. This can impact the types of customers each bank serves and the types of financial needs they are best equipped to address.
    4. Financial Performance. Cadence Bank has a strong financial performance record, with consistently high profitability and financial stability levels. NBC has also been profitable in recent years but may have a more variable financial performance due to its smaller size and geographic footprint.
    5. Ownership. Cadence Bank is owned by Cadence Bancorporation, a publicly traded bank holding company, while NBC is owned by National Commerce Corporation, a publicly traded financial holding company.

    While Cadence Bank and NBC have some similarities in terms of the types of financial services they offer, there are also some key differences in their size, branch network, product offerings, market position, financial performance, and ownership. When choosing between these two banks, cAs a result, customers should carefully evaluate their financial needs and priorities.

    Cadence Bank

    FAQ

    Who owns Cadence Bank?

    Cadence Bank is owned by Cadence Bancorporation, a publicly traded bank holding company. Cadence Bancorporation is listed on the New York Stock Exchange (NYSE) under the ticker symbol "CADE." Cadence Bancorporation was formed in 2010 and is headquartered in Houston, Texas. The company has grown through a series of mergers and acquisitions over the years, including the merger of Cadence Bank, N.A., and BancorpSouth in 2021.

    Is Cadence Bank a good bank?

    Cadence Bank has a strong reputation as a reliable and reputable financial institution, and many customers are satisfied with their experiences banking with the company. However, whether or not Cadence Bank is a "good" bank for a particular individual depends on various factors, including their specific financial needs and preferences.

    Some factors that may make Cadence Bank a good choice for some customers include its comprehensive range of financial products and services, including personal banking, commercial banking, and wealth management services, as well as its robust mobile and online banking capabilities. Additionally, the bank has a strong regional presence in the southeastern United States, with over 400 branches across six states.

    However, like all banks, Cadence Bank may also have its drawbacks. For example, some customers may find its fees and charges to be higher than they would like, or they may prefer a bank with a more extensive branch network. Additionally, the bank may not be the best fit for customers looking for specialized financial services or living outside of its core geographic footprint.

    Ultimately, the best way to determine whether Cadence Bank is a good bank for your specific needs is to carefully evaluate its products, services, fees, and customer reviews and compare it to other banks in the market.

    Is Cadence Bank hard to get approved for?

    The requirements for getting approved for a loan or other financial product at Cadence Bank may vary depending on the specific product you are applying for and your creditworthiness, income, and other factors. However, as a general rule, banks typically have specific eligibility requirements that applicants must meet to be approved for a loan or other financial product.

    Suppose you consider applying for a loan or other financial product at Cadence Bank. In that case, it is recommended that you review the bank's eligibility requirements and speak with a representative to get a better understanding of the bank's approval process. Additionally, you may want to check your credit score and credit history to ensure that you meet the bank's minimum credit requirements, as this can play a significant role in the approval process.

    Overall, while there is no definitive answer to whether or not Cadence Bank is "hard" to get approved for, it is important to carefully review the bank's eligibility requirements and speak with a representative to understand the approval process better. By doing so, you can make an informed decision about whether or not Cadence Bank is the right financial institution for your specific needs.

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    We’ve combined the best of both organizations to benefit our customers. Together, our company offers more convenience, accessibility and simplicity delivered by the same financial services experts you have come to know and trust.  

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