Mobile Banking Frequently Asked Questions

Get It On Google Play  Download on the App Store

You may have questions about mobile banking when you first begin and as you try new features. We have put together this list of frequently asked questions to help ease your progress.

Q1: What is mobile banking?*

A1: Cadence's Fluent Mobile Banking provides quick, safe account access from iPhones®, iPads®, and Android™ phones and tablets. This service makes it easy to see current account balances, view recent transactions, transfer funds between accounts, and make a FlashDeposit to your account using your mobile device's camera.

Q2: Is there a charge for mobile banking?

A2: Not from Cadence Bank.Your wireless telecommunications provider may charge you for data usage. Check with your provider for details regarding your specific wireless plan and any data usage charges that may apply.

Q3: How do I enroll in mobile banking?

A3: To use Cadence Mobile Banking, you must first enroll in Fluent by Cadence using your personal computer. Once enrolled, download the Cadence Bank Mobile app from the Apple® App Store or the Google Play™ Store using your mobile device.

Q4: Do I have to have the app to use mobile banking?

A4: You need to have the app to use mobile banking most effectively, but you can also use your mobile phone without the app to access desktop Fluent via your web browser.

Q5: What does SMS mean?

A5: SMS stands for Short Messaging Service. It is more commonly called text messaging.

Q6: What number do I send text commands to?

A6: 52924 is the Cadence Text Banking number. That's the number you text the commands to, such as BAL to check your balance.  Tip: Add 52924 to your phone’s contact list for quicker access to Cadence Text Banking.

Q7: What text commands can I use with mobile banking?

A7: Our Text Banking Guide lists the available commands. Some that are frequently used are BAL to check balances, XFER to transfer funds, RECENT to see the last four transactions, and HELP for assistance with commands.

Q8: Do I need to capitalize my text commands?

A8: No. Text commands are not case sensitive. Sending “help,” “HELP” or “Help” are all permitted.

Q9: How much will I be charged for each text received?

A9: Your mobile service provider may charge you for SMS messages; there is no charge by Cadence Bank. Consult your mobile service provider or your mobile service contract for details about your message plan.

Q10: How do I cancel my text banking service?

A10: Text one of the following commands to 52924:

Q11: What happens if I change my mobile phone number?

A11: If you switch to a new mobile number, sign in to Fluent using your personal computer. Select "Mobile Banking" then "Text Banking." Enter your new mobile number and save changes.


For all customer support issues, please call Cadence Customer Service.


*Web access is needed to use Mobile Banking. Mobile Banking is only available to customers enrolled in Fluent by Cadence. All terms applicable to Online Banking apply to Mobile Banking.

Standard text messaging and data plan rates may apply. Consult your mobile service provider for details on specific fees and charges that may apply for you.

The iPhone®, iPad™,  Apple logo and iTunes® are all trademarks of Apple, Inc., registered in the U.S. and other countries. Android™ is a trademark of Google, Inc., registered in the U.S. and other countries.


© 2017 Cadence Bank. Cadence Bank, N.A. Member FDIC    Equal Opportunity Employer NMLS#525022 Equal Opportunity Lender