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Cadence Bank Fluent FAQs

Q: What does the name Fluent mean?
“Fluent” means someone can speak or write a language with ease. For Cadence Bank, that language is finance. Fluent by Cadence lets our clients manage their finances with ease and convenience.           
Q: What does Fluent cost?

There is no cost to enroll in Fluent or to use TotalMoney, FlashDeposit or mobile banking.

(If you use a mobile phone, there is no cost from Cadence Bank, but your mobile banking provider may apply standard rates depending on your data plan or text message plan.) 

Q: What if I forget my Fluent username?
If you have forgotten your User ID, please contact Cadence Bank Customer Service at 800-636-7622 or email          
Q: What if I forget my password?
There is a self-service password reset feature on the login page of Fluent.           
Q: Where do I get help if I need assistance with my Fluent account?
Call or email Cadence Customer Service at 800-636-7622 or for assistance.           
Q: Is text banking available with Fluent?
Yes, anyone who is enrolled in Fluent can perform text banking if their mobile service provider offers text services.           
Q: Are online banking, bill pay and mobile banking part of Fluent?

Yes, you may access online banking and bill pay through your Fluent login. 

After you have enrolled in Fluent, download the Cadence Bank Mobile app from the Apple® App Store or the Google Play™ Store to use your mobile banking features.

Q: Can anyone else see what accounts I put in Fluent’s TotalMoney application?

No one can see your accounts unless you ask Cadence Customer Service to view them in order to assist you with a support issue.

Q: I have a joint checking account with a family member. Can he/she use Fluent?

Yes, a joint checking account holder can enroll in Fluent if they are the primary or secondary account holder on your Cadence account records.

Q: I also have a small business checking account at Cadence. Can I add it to Fluent?

If you have a consumer banking relationship at Cadence, you may be able to add your small business checking account to your Fluent account. After you enroll in Fluent, look on the accounts screen to see if the small business account was linked automatically. If you do not see it on the accounts screen, then contact Customer Service at 800-636-7622 or to see if it can be added manually.

You may prefer to manage your small business banking relationship via Cadence’s AllegroSM system, which is designed for businesses. Allegro’s basic Business Online Banking provides added functionality that is not available in Fluent. In addition, Allegro offers a more robust online banking and bill pay system, plus treasury services to assist you in managing your business’s cash flow.

Q: How can I access Fluent, including FlashDeposit and TotalMoney?

Fluent can be accessed from a desktop, laptop, smartphone or tablet. Phone or tablet access requires that you download the mobile app. It is not recommended that you use the desktop or laptop version on a mobile device, but this option is available for use when needed.

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