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Debit Card FAQs

Q:  How can I activate my debit card?

To activate your new Cadence Bank Debit Card, call 866-633-5293; available 24 hours a day. Please note: As a security precaution, you must call from a phone number listed on your account profile. This is most likely your home or main cell phone number.

  

If you call from a number that is not included in your account profile, you will not be able to activate your card. If you have any problems activating your card, please call 800-636-7622.

 

Q:  What should I do if my card is lost or stolen?

Call our 24-hour help line at 800-636-7622. Choose option #3 after your language selection.

 

Q:  Does the personal debit card come with any benefits?

Our Discover-powered debit card comes with benefits such as Lowest Purchase Price Guarantee, that reimburses you up to $250 if you find the identical item for less within 60 days. It also provides Identity Theft Reimbursement to give you access to specialists and services in case you're a victim of identity theft. Zero-Liability Protection guards you against unauthorized use of your Cadence Bank Debit Card. Plus, Card and Document Registration Services protect your debit card information, along with other important documents, in the event they are lost or stolen. Learn more about these features in the Consumer Benefits Guide.

 

Q:  Are there additional benefits with the business debit card?

In addition to all the consumer benefits listed above, the business debit card adds Attorney on Call, which provides access to licensed attorneys for legal counsel to protect you and your business. It also includes HR Consultant Service, which offers professional guidance through every facet of human resources. Learn more about these features in the Business Benefits Guide.

 

Q:  Can I put my Cadence Bank Debit Card in my cellphone's mobile wallet?

Your Cadence Bank Debit Card works with Apple Pay®, Google Pay™ and Samsung Pay mobile wallets so you can use your mobile phone to make purchases. Learn more about a Mobile Wallet.

 

Q:  Where is a Discover debit card accepted?

Discover cards are widely accepted at 10.6 million merchant locations nationwide, and our customers have access to more than 500,000 ATMs across the country. If you should encounter a merchant that does not accept Discover, simply ask the merchant to run the transaction as a "debit" and you will be able to enter your PIN. If you cannot use your Cadence Debit Card at a particular merchant's business, please call Cadence at 800-636-7622 or your local banker so we can attempt to add the merchant to the Discover network.

 

Q:  What is a debit chip card? 

A debit chip card uses an embedded microchip rather than a magnetic stripe to provide added security at chip-enabled store terminals and ATMs.

 

Q:  Why are you replacing my magnetic stripe debit card with a chip card?

Chip cards increase security and reduce fraud resulting from counterfeit. When chip cards were introduced in the U.K., fraud from lost and stolen cards was cut in half.

 

Q:  Which account does the debit chip card access?

On the mailer that came with your card you can see the last four digits of the associated account number.

 

Q:  What type of new fraud prevention can I expect from my chip card?

Your chip card comes with the latest in anti-fraud chip technology. Cards with this technology have an embedded microchip that will validate your card by creating unique transaction data every time you use it.

QAre there other benefits to chip cards?

Convenience while you travel is one additional benefit. Many other countries already have adopted the chip card standard, so you can use your new chip card when you travel, and it will work seamlessly with the global payments infrastructure.

Q:  How is the chip card different from the magnetic stripe card?

The key difference is that chip cards aren’t swiped; they’re inserted into a reader. When used with such readers, chip cards are more secure than magnetic stripe cards. Not all merchants have chip card readers yet, and sometimes a chip card reader may be out of service temporarily. For that reason, your new chip card will also include the magnetic stripe.

 

Q:  Is my magnetic stripe debit card risky to use?

We have many security precautions in place to protect against fraud. The chip card offers a higher level of security for chip-enabled point-of-sale transactions, but current cards will continue to be secure – especially if you keep your PIN a secret, regularly monitor card activity, and immediately report lost or stolen cards.

Q:  Can I activate my card from anywhere?

You must activate your chip card by calling from a phone number that is on your Cadence account record. Most often that’s your home phone or main cell phone. If the phone number is no longer valid on our account record, you will need to contact us at 800-636-7622 to update your phone number before you can activate the card.

Q:  Can I still use PIN or signature, whichever I prefer?   

Yes, the chip card allows you to select either option. However, sometimes which option is available is at the discretion of the merchant depending on their own merchant services program.

Q:  Will my PIN change for the new debit chip card?

You will set your new PIN when you activate your card, but you can re-enter the same PIN if you prefer.

 

Q:  When do I remove the chip card from the chip reader?           

Not until the screen on the chip reader tells you to remove it. Be sure to get your card before you leave the store.

Q:  Even if there’s a working chip card reader, can I choose to just swipe my chip card instead of inserting it in the reader?

No, the chip card reader will require you to insert your card. The magnetic strip on your card is only an option if there is no chip reader or if the chip reader is not enabled for some reason.

Q:  What if I have more questions?

You can email additional questions to customer.service@cadencebank.com or contact Cadence Bank Customer Service.

 

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