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Online Banking FAQs

Q: Why use online banking?

Millions of people worldwide are choosing the convenience, freedom and control of Online Banking. One of the greatest benefits is having access to your money 24 hours a day, 7 days a week. You can bank from anywhere in the world where you have Internet access. Finally, you can transfer funds, pay bills and reconcile accounts with the click of a mouse. It is a better, smarter, faster way to manage your money and your time.

Q: Is banking online safe?

Yes. The Cadence Online Banking system brings together industry-approved security technology to protect data for the bank and for you. It features a password-controlled system entry with a “three strikes you’re out” lock-out mechanism, data encryption and router firewalls. When sensitive data is being transferred, a closed lock icon will always appear at the bottom of your screen.

Q: How much does online banking cost?

Cadence Online Banking is available to any Cadence customer at no additional cost.

Q: What do I need to enroll in online banking?

All you need is a Cadence checking or savings account. You also will need access to a computer which runs on a Windows® operating system (such as Windows 7) or a Macintosh® operating system (Mac OS-X Tiger, Leopard and Snow Leopard).

To view Cadence Online Banking, you’ll need Internet access, a modem (56 kbps or higher recommended) and a browser such as Microsoft Internet Explorer 7.0 or newer, Mozilla Firefox 3.0 or newer, Google Chrome 12 or newer, or Safari 4.0 or newer.

Q: How do I enroll?

Visit our Fluent Enrollment page. Online Banking and Bill Pay are services of Fluent by Cadence mobile and online banking. Be sure to read the disclosure and complete the required information as you enroll.

You will be asked to select a Login ID. To add Bill Pay after you have enrolled in Fluent, select Move Money, then select Pay A Bill from the drop down menu.

Q: What accounts will be accessible through online banking?

You may access all of your Cadence deposit and loan accounts. Any account that is tied to your social security number may be viewed. The first time you log into Online Banking you should verify that all appropriate accounts are viewable and review your account set-up periodically after that.

Q: When will my transfers post to the receiving account?
Transfers initiated through the Cadence Bank online banking system before 7:30 p.m. CT on a business day are posted to the account the same day. Transfers completed after 7:30 p.m. CT on a business day, Saturday, Sunday or banking holiday will be posted on the next business day.
Q: How frequently is account information updated?

Account balances are real-time, so your information is up-to-the-minute.

Q: Can I transfer money to pay on a Cadence loan?

Yes. You also may 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?

Transfers initiated through the Cadence Bank online banking system before 7:30 p.m. CT on a business day are posted to the account the same day. Transfers completed after 7:30 p.m. CT on a business day, Saturday, Sunday or banking holiday will be posted on the next business day.

Q:  How do I cancel a transfer?

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 online banking?
If you have either of these programs loaded on your personal computer, you can download transaction histories from the Cadence Online Banking system. This information can help you create a budget, reconcile your financial records, categorize and organize expenses for tax purposes, analyze spending trends, and more.

 

Q:  Why do I get a message saying “Your log in time has expired”?
After one hour, your banking session will automatically time out. This protects you if you are called away from your computer for an extended period of time and forget to log out. Automatic time outs help prevent someone from making unauthorized transactions while you are away.

 

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