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Welcome State Bank and Trust Company

Now a division of Cadence Bank
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Personal Accounts

 

SUPPORT

 

Q: Who should I call for questions about my account?
A: The State Bank Sales & Service Center will continue to serve your needs with the highest level of service excellence. Please call Toll Free at 800-414-4177. Your local State Bank teams are ready to answer any questions you may have. This FAQ document will be updated as information becomes available and posted on www.statebank.com and www.cadencebank.com.

Q: Who do I call for questions about my personal account after the conversion date?
A: Beginning Tuesday, February 19, 2019: 
Call our Contact Center at 800-636-7622. 
Visit your new and expanded network of Cadence Bank offices.
Call Cadence Bank's 24-Hour Account Information Service at 800-636-7622.

 

ACCOUNTS

 

Q: Will my account number change?
A: For most customers, checking, savings and money market account numbers will not change at conversion. If there is a need to make a change, Cadence Bank will notify you by mail in a separate letter. The routing number for Cadence Bank is 062206295.

 

Q:Is my account(s) still FDIC insured up to the maximum allowed by law?

A:Yes, however, all depositors are now insured by the FDIC under Cadence Bank, N.A. Because we are now one institution operating under two names, dual depositors (those who have accounts at both State Bank and Cadence Bank) will no longer be insured by two separate banks.

Dual depositors will have separate FDIC coverage through June 30, 2019 (with exceptions for time deposits like CDs), giving you time to make any necessary account changes to ensure FDIC coverage. If you have deposits at both State Bank and Cadence Bank, we recommend that you talk with your account officer, who can provide you with strategies to help you maintain FDIC coverage on your accounts.

 

CHECKS

 

Q: May I continue using State Bank checks?
A: Yes. Please continue using your current check supply.  Upon your next order, your checks will be updated to reflect Cadence Bank's name and routing transit number.

 

DEBIT CARDS

 

Q: Will I receive a new debit card?
A: You can continue to use your State Bank debit card.

 

ONLINE BANKING

 

Q: Will my ACH deposits/debits continue?
A: If you have set up automatic payments or withdrawals taken directly from your account, please notify the originating business or merchant so the payee recognizes the payment as coming from Cadence Bank’s routing number, which is 062206295.

Q: Will I have access to Cadence Bank’s Online Banking?
A: Yes. Beginning on February 19, 2019 all State Bank clients will have access to Cadence Bank's online banking systems. If you are a current online banking user with State Bank, unless you hear from us, your user name will stay the same.  Use the link to enroll in Cadence's Online Banking and set up a new password.  Much of your State Bank Online Banking history will be available in the Cadence system.

 

Q: Will I have to set up my vendors/payees in Cadence Bank's Bill Pay system?
A: Your bill payees will automatically convert to Cadence's Bill Pay system.

Q: Will my scheduled bill payments continue?
A: Yes. Any payments converted to Cadence Bank's Bill Pay system will be made as scheduled. Please be sure to review important information regarding scheduled bill payments in the Products and Services Guide.

Q: I do not currently have Online Banking, but I would like to enroll. Can I do that now?
A: Yes. If you enroll in State Bank's Online Banking prior to February 15, 2019, your account will be converted to Cadence Bank's Online Banking.

If you wait until February, 19, 2019 to enroll, Cadence Bank offers a simple enrollment process. Visit www.FluentbyCadence.com and choose Enroll to begin on or after February 19, 2019

Note: If you do not have a Cadence Bank account now, wait until February 19, 2019, to enroll in Cadence Bank Online Banking.

Q: Will my eStatements continue?
A: Cadence Bank produces eStatements for all clients who elect to receive them. To enroll your accounts in eStatements on or after February 19, 2019 by logging in to Cadence's Online Banking and selecting eDelivery.  You will also be able to access your old eStatements until April 20, 2019 via the State Bank online banking system link located on this page. 

 

MOBILE BANKING

 

Q: Will my State Bank Mobile Banking app work after conversion?
A: The current State Bank Mobile Banking app will be deactivated on February 14, 2019. Cadence Bank offers mobile banking for consumer clients for Apple and Android phones and tablet devices. On or before February 19, 2019, search for Cadence Bank in the Apple or Android store.  Download the app and use your new Cadence Bank login credentials to access mobile banking.

Q: Will my card continue to work in Apple Pay?
A: Yes.

 

TELEPHONE BANKING

 

Q: Will I still have access to Telephone Banking services?
A: Yes. Cadence Bank's 24-Hour Automated Account Information Service provides quick access to your deposit and loan accounts. Please call 800-636-7622 to begin using this service on or after February 19, 2019.

 

CERTIFICATE OF DEPOSIT (CD) ACCOUNTS

 

Q: What will happen to my CDs?
A: Your CD rate and term will remain the same until maturity.

GENERAL INFORMATION

 

Q: What is the Cadence Bank routing number?
A: 062206295.  

 

Q: Will my branch's hours stay the same?

A: Yes. At this time, we anticipate branch hours remaining the same.

 

Commercial Accounts - Treasury Management

ONLINE CASH MANAGEMENT

Q: How do I access my Treasury Management Services at conversion?

A: Your new Allegro!® services will be available to you on Tuesday, February 19, 2019 for

your business transactions. Our convenient Login Wizard will guide you through setting up a new online password for Allegro! There will be no change to your existing User ID (alias). You can log in to Allegro! at https://portal.cadencebank.com.

 

The Login Wizard will prompt you to select the method (email or phone) with which you would like to receive your one-time PIN for authentication before creating your password. Once you enter your onetime PIN, you may then establish your security questions and, if needed, update your personal information.

Q: How does my business sign up for Allegro! training?
A: You will receive training alerts within Online Banking and Online Cash Manager and all users will receive an email the week of January 7, 2019, with links to start enrolling in our online Live WebEx training sessions. Recorded training sessions will also be available. 

For more information, please contact Treasury Management Client Support/Premier Partners at 1-800-329-0289 or email us at treasurymanagement@cadencebank.com.

 AVAILABLE TRAINING LINKS:

Information Reporting - How to view Previous Day and Current Day activity, place stop payments, initiate account transfers, create special reports, plus other unique features.

ACH - How to initiate and release ACH batches from the ACH Database and ACH Validator. How to import and export ACH payment files.
Wire Transfer - How to initiate and release wires online and create wire templates.

Positive Pay / ACH Positive Pay - How to upload issued check files into Positive Pay, manually enter individual checks, create ACH filters and make pay/return decisions for both services.

Remote Deposit Capture (RDC) - How to scan checks using RDC and reporting overview.

 

Q: What is Cadence Bank’s ABA Routing Number?

A: 062206295

Your transactions currently going to/from State Bank’s routing number will automatically be redirected to Cadence Bank. We encourage you to update your direct deposit and electronic payment instructions with the Cadence Bank routing number at your earliest convenience.

 

REMOTE DEPOSIT CAPTURE

Q: Is my remote deposit scanner compatible with Cadence?

A: We have a wide variety of scanners compatible with our RDC service.  Please review the list of compatible scanners here.  If your scanner is not listed, please contact our Treasury Management Client Support/Premier Partners at 800-329-0289 for a replacement scanner.

 

Q: What do I need to do to start scanning with Cadence?

A: If you are subscribed to RDC service with State Bank, you can follow the installation instructions here to start scanning on February 19, 2019.  We also recommend you register and attend the RDC training prior to our conversion weekend. 

 

CLIENT SUPPORT

Q: Who do I call for questions about my account?

A: Beginning Tuesday, February 19, 2019, all questions pertaining to Treasury Management products and services will be handled by our experienced team members in Treasury Management Client Support / Premier Partners. You can contact them at 800-329-0289 or treasurymanagement@cadencebank.com.  Our operating hours are: Monday - Friday 7 a.m. - 7 p.m. ET.  You can also send Secure Mail within the Allegro! Portal for assistance with your accounts and services.

 

 

Quicken and QuickBooks Conversion Guides

 

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