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5 Tips to Avoid the Embarrassment of a Declined Debit Card

The embarrassment of having a debit card transaction declined, when you’re in public trying to make a purchase using your debit card, can be easy to avoid if you know how to use these 5 banking services to your advantage. Sometimes life’s unexpected events may cause you to have a lower than usual balance in your checking account.


  1. Use Text Banking to check your balance in seconds.
    One of the simplest ways to keep track of your balance is by using Text Banking. As a Cadence Mobile banking customer, you can text “bal” to our Cadence text banking number, and within seconds your account balance will pop up in your text message screen.1
  2. Deposit a check quickly from almost anywhere by using FlashDeposit.
    If you realize you need to deposit a check quickly to cover a planned upcoming transaction, then you can use FlashDeposit in the Cadence Mobile app to deposit your check – without having to take the time to visit a branch.1
  3. Consider authorizing Overdraft Consent.
    If you prefer for Cadence Bank to pay the overdraft, even if it causes your account to be overdrawn, you can avoid the inconvenience of a declined debit card transaction.2
  4. Use Deposit Overdraft Protection.
    A different method of protecting yourself from the discomfort of a declined transaction is to transfer money automatically from a linked Cadence savings account to cover any potential shortfall.3
  5. Consider an Overdraft Protection Line of Credit.
    An alternative protection is an unsecured line of credit that is linked to your checking account to cover overdrafts.4



1 Fees may apply from your mobile service provider for the use of Text Banking and FlashDeposit.

2 You will be charged a NSF/OD Fee of $35 for each everyday debit card transaction and ATM item that is paid into overdraft, up to a maximum of four(4) NSF fees (for paid and/or returned items, combined) per day on consumer accounts. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. The total negative balance, including all related fees and charges, is due and payable immediately without demand.

3 You will be charged a $10 fee for each $50 transfer. The ODP Transfer Fee will be charged to your primary account. Transfers from another deposit account may be subject to transaction limits and excessive withdrawal fees.

4 Subject to credit approval. Your checking account will be charged a $5 Advance Fee for each $100 transfer the bank makes form your regular ODP Line of Credit to cover an overdraft. Your ODP Line of Credit is subject to a $20 annual fee and an APR of up to 17.99%, which applies to all advances made under the Overdraft Protection Line of Credit. Your total overdraft coverage is determined by your approved credit limit for the Overdraft Protection Line of Credit.



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