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Coronavirus (COVID-19) Update



Though much uncertainty remains about the spread and prevention of the COVID-19 coronavirus, the Cadence Bank team is here to ensure your financial needs are met. We continue to monitor developments as we focus on the safety of our employees, our customers and the communities we serve. Learn more about our Operational Resiliency Plan below. For further information on COVID-19, please visit the Centers for Disease Control and Prevention website .



Maintaining Full-Service Operations


Our branch locations are open and maintaining full-service operations, primarily through drive-thru and by appointment. Customers who need to complete a transaction inside the branch will be escorted inside. 



Make an Appointment

Online and Mobile Banking


For your convenience, many of your banking needs can be handled 24/7 via online and mobile banking5:


Financial Assistance Measures


Due to this unprecedented event, you or your small business may be facing financial concerns and unexpected hardship. To alleviate some of your concerns, we are offering assistance to help address your most pressing and immediate financial needs:




Federal Help With Housing Costs


The COVID-19 pandemic has made it difficult for renters and landlords to cover housing costs. Since the CDC moratorium ended on July 31, 2021, many renters are worried about catching up on past-due rent and facing eviction. Help is available.


As a renter—or a landlord—you can apply for money from the U.S. Department of Treasury’s Emergency Rental Assistance (ERA) program. The funds are being distributed by state and local organizations to their local communities. This money can help with rent, utility bills and even moving costs.


Use the Consumer Financial Protection Bureau’s new Rental Assistance Finder to find aid based on the state or territory or tribe or tribal lands where you live.


For additional information and resources to protect and manage your finances during the coronavirus pandemic, check out the Consumer Financial Protection Bureau website.


Source: Consumer Financial Protection Bureau



Government Stimulus Payments


On March 27, 2020, President Trump signed into law the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This stimulus package allocates money to support corporations, small businesses, state and local governments, public health, education and other causes, and individuals impacted by COVID-19. One of the provisions of the CARES Act is the cash payments to individuals and families who qualify. Visit the IRS website to learn more about the stimulus payments or check on the status of your Economic Impact Payment.


If you’re expected to receive a stimulus payment from the IRS, make sure you have the Cadence Bank Mobile app downloaded. This allows you to get a real-time view into your account so you can check on your stimulus direct deposit and do all your banking from anywhere, 24/7. If you're expecting to receive your stimulus check by mail, you can deposit the check directly into your Cadence checking account from your mobile phone. Learn more and download the app here.


Please be aware that the federal government has been sending out economic impact payments via a prepaid debit card. Issued by MetaBank and on the Visa network, these prepaid debit cards are called Economic Impact Payment (EIP) Cards. If you have not received your stimulus payment yet, you could potentially receive one of these cards in the mail. Check out this Forbes article for five things you need to know about the EIP Cards.


Receive the full value of your economic stimulus payment, whether you receive a paper check or an automated deposit, even if your Cadence account may be in arrears. In that situation, we encourage you to make an appointment with your local branch to discuss your options and preferences for possible overdraft fee refunds.




Financial Assistance for Consumers


Beginning March 24, we will provide the following in response to COVID-191:


  • 90-day payment deferral on consumer loans and lines of credit upon request2
  • No late fees on consumer loan payments upon request1
  • As always, expanded access to no-fee ATMs via the Publix Presto! and Allpoint ATM networks available through popular grocery and convenience stores as well as pharmacies.
  • Also, some of our checking account options allow for free, no-fee use of ATMs, not just at Cadence but at other providers’ ATMs. Learn more about these accounts here.
  • For consumer loan payment assistance options, contact your banker or Cadence Client Care at 800-636-7622.
  • For credit card payment assistance, please call the number listed on the back of your credit card.


To request a consumer loan payment deferral*, please contact your Cadence Banker. 


*Excluding mortgages and home equity lines.


Mortgage Assistance 


The Mortgage Division COVID-19 Disaster Relief program will end effective September 30, 2021 for conventional mortgages and home equity lines of credit (HELOCs). If you have a question about a request submitted prior to September 30, 2021 or have questions on continued assistance available for FHA, VA and USDA loans, please email


All borrowers can apply for our standard Loss Mitigation Assistance by submitting a Loss Mitigation Package by email to or by mail to the address listed below. To speak with a mortgage representative directly about payment assistance or to request a loss mitigation package, please call 888-324-4760.


Cadence Bank
Attn: Mortgage Servicing Loss Mit
3500 Colonnade Parkway Suite 600
Birmingham AL 35243




Small Business 


Financial Assistance for Small Business


Beginning March 24, we will provide the following in response to COVID-191:


  • 90-day payment deferral on small business loans and lines of credit upon request2
  • No late fees on small business loan payments upon request1
  • Commercial Mobile Deposit $7.50 monthly fee waived for small businesses3,4
  • For small business loan payment assistance options, contact your banker or Cadence Client Care at 800-636-7622.
  • For credit card payment assistance, please call the number listed on the back of your business credit card.

To request a business loan payment deferral, please contact your Cadence Relationship Manager.


SBA Loan Payment Deferrals  


Under the recently passed CARES Act, the U.S. Small Business Administration will begin making regular SBA 7(a) loan payments on the borrower’s behalf for 6 months, beginning with the first payment due after March 27, 2020. Because of this, we are no longer processing 7(a) loan deferment requests.

If you still find a deferment necessary at the end of the 6-month period, we will work with you to process the deferment request at that time. If you have already submitted a loan payment with a due date after March 27, 2020, we will return the payment to you. Loans must be current through the March payment in order to qualify.

If you have any questions, don’t hesitate to reach out to your Relationship Manager.




SBA Disaster Loan Assistance


Consider applying early for the U.S. Small Business Administration’s Economic Injury Disaster Loan (EIDL). There is no cost to apply, no obligation to take the loan if offered, and the maximum unsecured loan amount is $25,000. Apply directly to the SBA’s Disaster Assistance Program, not through a bank. This loan comes directly from the U.S. Treasury.

To learn more about the CARES Act Paycheck Protection Program and compare the SBA’s Economic Injury Disaster Loan versus the PPP stimulus package for small businesses, visit our dedicated webpage.



Compare PPP vs. EIDL 




Maintaining Full-Service Operations


Our branches are open and ready to serve you. For your safety and that of our branch teams, we ask that visitors where a mask and maintain safe social distancing. If you'd like, you may schedule an appointment online and the branch banker will call or email you to confirm the appointment time. The banker may even be able to assist you by phone to save you the trip.



Saturday Service Available via Client Care


For Saturday service, please call our Client Care Center.



8 a.m. – 5 p.m. CT.




1All assistance is available for a limited time, may be subject to other exclusions and restrictions and is subject to change or withdrawal without notice, all in the sole and absolute discretion of Cadence Bank.

2The terms of any payment deferral will be disclosed to the customer at the time of the request.

3Late fee suspension effective March 1 – 31, 2020; program may be extended at the sole and absolute discretion of Cadence Bank.

4Fee suspension effective March 1 – April 30, 2020; program may be extended at the sole and absolute discretion of Cadence Bank; mobile service provider fees and charges may apply.


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