Overdraft Protection for Life’s Unexpected Events

Sometimes, life can hit a sour note. Cadence Bank overdraft protection gives you peace of mind for when that happens. Overdraft protection provides assistance when your money falls short and helps you avoid non-sufficient funds or returned item fees. Learn more about overdraft protection options available to you:

Account Transfer Overdraft Option

  • Transfer Overdraft moves money from one of your existing checking, savings or money market accounts to another. You will be charged $10 per transfer.

Line of Credit Overdraft Options

  • Regular Overdraft is a flexible solution for overdraft protection, while offering an unsecured line of credit. You must qualify for this service.1
  • Premier Overdraft Line of Credit is a flexible solution for overdraft protection, while offering an unsecured line of credit.  You must qualify for this service.1

Contact a Cadence Bank location near you for current interest rates. Interest rates based on Cadence Prime.


Keeping Track Of Your Balances

The best way to avoid fees and ensure your bills get paid is by maintaining an accurate record of your account balance and transactions. Cadence is pleased to offer a variety of free and easily accessible tools to help you do this whether you are at home
or on the go. 

Online Banking

Our most popular option is Online Banking. This service is offered at no additional charge, and allows you to view your available balance at any time. Simply log in to your account, choose the account you want to review, and you will see a complete and up to date record of your account.

Mobile Banking

Many of our customers also enjoy the convenience of our Mobile Banking services, offered at no additional charge. With Cadence Mobile Banking, you can securely and quickly access your account information, anytime and anywhere. Whether it is text banking or the Cadence Bank Mobile app you download to your smart phone or tablet, Cadence helps keep you current and in control. Checking your balance is as simple as texting BAL, then seeing your balance displayed via text messaging within seconds.2


If you need to make a quick deposit to your checking account, FlashDeposit allows you to make a deposit using your mobile phone. FlashDeposit is in our family of Fluent by Cadence digital services, which include Online and Mobile Banking, Bill Pay and eStatement, too.

Talk to your Cadence banker or enroll in Fluent by Cadence, so you will be ready to use Online or Mobile Banking and FlashDeposit whenever you need them.


1 Credit products are subject to personal credit approval.  Also, subject to terms and conditions of the credit agreement.

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

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