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Online Banking FAQs

Cadence Bank is dedicated to helping you find the answers you need. Learn more about frequently asked questions regarding Fluent here.


Questions about Fluent by Cadence Bank

Your questions about enrolling in and using Fluent products are important to us.


What is Fluent?


Fluent by Cadence puts money as close as your personal computer or mobile device. 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. You can also email us at

Questions? We are here for you...

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