Cadence TotalMoney

Put your financial data on center stage.

When it comes to being good with your money,
Fluent speaks your language.

Cadence TotalMoney is like a one-on-one with your own Money Coach and accessible on your laptop, tablet or mobile any time. Within minutes of a one-time set up you see and interact with your money in a way that puts you in control and puts financial planning in your comfort zone. TotalMoney not only gathers and organizes your accounts and transactions in one place, it allows you to track daily spending on things like gas and food and receive important alerts when your attention is needed. You see the spending patterns you want to change and the possibilities for growth you want to explore. Cadence TotalMoney is simple to start, and if you have tried Personal Financial Management software before and been disappointed, TotalMoney is a real eye-opener. When it comes to your financial future, take control of the conversation with Cadence TotalMoney.

Cadence Total Money Features

Account Aggregation

Tell your money to get it together.

TotalMoney gathers financial information from all of your financial accounts, not just those at Cadence, and organizes it into one place. Checking, Savings, Credit Cards, Mortgage, Auto, Investments, Retirement, and more . . . visualize and interact with all your financial data - in one convenient, secure place.

Bubble Budgets

Tell your money to shape up.

Using bubble budgets, you can quickly create real life budgets based on your actual spending history, income, debts, and expenses, so you can do more than just stay afloat. TotalMoney lets you and your goals click.

Expense Tracking

Tell your money to get in line.

By automatically categorizing and tracking your spending, you get useful insights on where, when, and how you spend. TotalMoney learns your spending behaviors and does the work for you, while you do without the spreadsheets and dull bookkeeping.

Debt Management

More control over your money, more savings.

Get step-by-step instructions on how to get in the black. See all of your debts, along with corresponding balances and interest rates, in a simple view that gives you a clear picture of how to clear up balances.

"I'm really excited about TotalMoney. I didn't realize how many things I could pull into it, then easily see my entire financial picture at a glance with one login. What a time saver!"

Start using Fluent by Cadence today.


What is Fluent?

Fluent by Cadence puts money as close as your mobile, no matter how far you go. You can instantly move money, check your balances, and make a deposit in a flash with a snap of your smart phone. The same customer care you find when you walk in our branch, now makes life even more care free.

What does it cost?

There is no cost to enroll in Fluent or to use TotalMoney, FlashDeposit or MobileBanking. If you use a mobile phone, there is no cost from Cadence Bank, but your mobile service provider may apply standard rates depending on your data or text message plan.

Is Fluent secure?

We proactively employ safeguards to ensure the security of your mobile or online banking sessions. To keep your information safe, our services include: encryption of all data; required PIN login; servers certified by a "certificate authority" and, for Cadence Mobile customers, enrollment only available if you are enrolled in our secure Cadence Online Banking.

What if I need help?

Your questions about enrolling in and using Fluent products are important to us. We are available to help you by phone, e-mail or in-person at one of our branches. Cadence Customer Service is available by phone at 800-636-7622 Monday through Friday, 7 am – 8 pm CT and on Saturday, 8 am – 5 pm CT.