Free Checking

Cadence Free Checking puts flexible and free into the same account for you. Get the power of unlimited check writing and the ease of a debit card at no additional charge — without paying a penny for monthly maintenance charges.

Features of our Free Checking account include:

  • Minimum opening deposit of $50
  • No maintenance charges
  • No minimum balance requirements
  • No interest paid on balances
  • Unlimited check writing
  • Cadence Debit Card with Buzz Points Rewards
  • Access to 55,000 surcharge-free ATMs worldwide
  • Direct deposit at no additional charge
  • 24/7  Telephone Banking  at no additional charge
  • Single-sign on Fluent Online & Mobile Services including:
    • Online Banking with free Bill Pay at no additional charge
    • FlashDeposit to deposit checks from your mobile phone1
    • TotalMoney view of your accounts at Cadence and other institutions
    • e-Statements and e-Notices at no additional charge
    • Mobile & Text Banking at no additional charge1
  • Card Patrol℠ — Real-time online monitoring of your debit or credit cards with an early warning system.2
  • Free access to MyIDMatters℠, an educational website on identity theft issues


Visit a Cadence Bank location today to enroll in Free Checking. 

Add extra services to your checking account at any time:


Check Reorders: To reorder checks, go to Deluxe Check Order or call 877-838-5287.


1 There is no fee from Cadence Bank for FlashDeposit or Text Banking, but fees may apply from your mobile service provider.

2 Card Patrol℠ monitors up to 10 registered major credit/debit cards (including Visa®, MasterCard®, American Express®, Diners Club® and Discover®) in Internet chat rooms. It is impossible to ensure that all Internet chat rooms have been searched for your personal information. Accordingly, your monitoring alert reports may not contain or apprise you of all your personal information that is publicly available or that may have been compromised.

© 2014 Cadence Bank. Cadence Bank, N.A. Member FDIC    Equal Opportunity Employer  Equal Opportunity Lender

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