Account Security We’re committed to keeping your account information safe, no matter how you access your money – whether using your Cadence Bank debit or credit cards, at an ATM or using checks.
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Check Security
Check fraud continues to be a problem in the U.S. today. Criminals continue to find new and unique ways to manipulate checks in order to steal money from unsuspecting victims. Find out how we keep your account safe and ways you can protect yourself from check fraud.
How Cadence Bank protects your account from check fraud:
Online and Mobile Banking
Using online and mobile banking, you can review transactions made on your account. Within online banking, you can also look at cleared check images (front and back) and set up account alerts to know when a check has cleared.
Bill Pay
Using Bill Pay, you can issue checks or send payments electronically to whomever you need to pay.
Stop Payments
You can place a stop payment on any check you write before it’s cleared.
Password Strength
Use strong passwords and change them often. Don’t get in a habit of using the same username and password for everyday login use.
Mobile Wallet
You can set up most of your Cadence Bank accounts on your mobile wallet app of choice (Google Pay, Apple Pay, Samsung Pay or Masterpass), adding another layer of security when making in-person, in-app or online transactions.
Check Image Match
Cadence Bank’s checks have Image Match, which allows the bank to verify that the check’s front and back side images are from the same document during mobile deposits, minimizing endorsement forgeries.
How you can protect yourself from check fraud:
- Set up banking alerts
Use online banking to set up alerts to review cleared checks, let you know when your account balance falls below a certain limit, or when transactions clear your account. - Set up direct deposit
Set up direct deposit to your account so you don’t have to worry about paychecks getting lost or stolen in the mail. - Utilize Bill Pay or ACH payments
Pay bills automatically using Bill Pay or ACH payment. That way, you’ll always pay on time, avoid late fees, and eliminate using checks that may be susceptible to mail fraud. - Destroy canceled checks
Unless you need to keep canceled checks for tax or other legal purposes, destroy them as soon as possible. - Review your transactions
Review your check transactions, made either online or using your account statement, to make sure your check amounts match. - Have secure storage
Store your checks, deposit slips, account statements and canceled checks in a secure and locked location.
ATM Safety
ATM Safety
ATMs are a convenient way to get cash and make deposits; however, they can pose a safety hazard if criminals use them to steal from unsuspecting victims. Discover how Cadence Bank protects you when using an ATM and how you can protect yourself as well.
How Cadence Bank protects you when using an ATM:
PIN-Based Access
All Cadence Bank customers use a PIN to access their account when using an ATM. Customers can change their PIN at any time by calling (888) 797-7711.
Withdrawal Limits
All debit and credit cards are subject to a daily withdrawal limit to help protect your accounts.
ATM Security
All Cadence Bank ATMs follow industry standards in ATM hardware security, placement and monitoring systems.
How you can protect yourself when using an ATM:
- Beware of your surroundings
If the ATM is poorly lit or concealed in some way, or if you just don’t feel comfortable for some reason, don’t use it. - Don’t count your cash while at an ATM
Wait until you are safely inside your locked vehicle to do so. - Don't wait to report lost or stolen cards
Immediately report a lost or stolen Cadence Bank debit or credit card by calling (888) 797-7711. - Memorize your PIN
Never write it down. Also, guard the keypad when entering your PIN so no one can see it. - Beware of suspicious behavior
If you notice anything suspicious while using the ATM, cancel your transaction and leave immediately. Report your concerns to the police and/or ATM owner. - Take your ATM receipt with you
Your receipt may contain personal information that might be helpful to criminals. - Lock your car doors and roll up all windows not in use
When using a drive-thru ATM, lock your car doors and roll up all windows not in use. If you walk up to the ATM, don't leave your car running or unlocked. - Don't store important items in your car
Never leave your ATM, debit or credit cards in your car’s glove compartment. - Don't allow strangers in indoor ATM locations with you
When using an indoor ATM that requires your card for access, don’t let others you don’t know in with you. - Inspect the ATM for skimmers
Pay particular attention to how the ATM card reader looks and feels. If the card reader is loose, don’t use the ATM.
Debit Card & Credit Card Security
Cadence Bank takes the security of your debit and credit card transactions seriously. We’re dedicated to safeguarding your cards from unauthorized access, 24/7. Learn how we protect your card transactions and ways you can protect yourself from card fraud.
How Cadence Bank protects your debit and credit card needs:
EMV Chip Technology
When you use a Cadence Bank debit or credit card at a chip-enabled terminal, you add a layer of security for that transaction. The EMV chip on your Cadence Bank card generates a unique transaction code, which helps prevent stolen data from being fraudulently used.
Zero Liability Protection
You may not be responsible for unauthorized charges on your Cadence Bank debit or credit card(s).
Fraud Alerts
We offer complimentary Fraud Alerts for Cadence Bank debit and credit cards. When we detect suspicious activity on your Cadence Bank debit or credit card, we will send a text message to the contact information we have on file for you. You can then confirm that you initiated the transaction or report it to be fraudulent. You may opt out of Fraud Alerts at any time by texting STOP to 91966. Participating wireless carriers are AT&T, Boost Mobile, Metro PCS, Sprint, T-Mobile®, Verizon Wireless and Virgin Mobile USA.
Account Alerts
You can choose to receive text or email alerts to let you know when a payment is due, when you’re approaching your credit limit, and when your contact information has changed.
How you can protect your debit and credit cards from fraud:
- Review your account information regularly (at least weekly)
If you notice any changes to your account that you didn’t make, contact us immediately at (888) 797-7711. - Regularly assess who has account access
Ensure all authorized users have updated and accurate contact information on your card(s). - Review your card transactions regularly
Whether online or using your monthly statement, check to make sure there are no unauthorized transactions. If you discover a transaction you did not authorize, call us immediately at (888) 797-7711. - Check your credit report regularly (at least annually)
If you find any errors, contact the credit bureau immediately. For a free copy of your credit report (once per year), visit www.annualcreditreport.com. - Report lost or stolen cards immediately
For Cadence Bank cards, call us at (888) 797-7711. - Don’t make debit or credit card transactions using public computers or Wi-Fi
Check for the padlock symbol and the “https” in the browser address bar before submitting any debit or credit card information over a website. - Don’t allow your browser to save your password
While using your cards to shop online or access your account online, don't save your card information to your browser. - Shred or destroy your card receipts, statements, tax returns and other identifying documents.
- Don’t write your PIN on your card
Make sure you sign the back upon activation. - Let Cadence Bank know when you travel internationally by calling (888) 797-7711.
What to do if you are a victim.
Contact
- Contact Cadence Bank at (888) 797-7711 or any other financial institution or creditor immediately.
- Contact the three credit bureaus to place an “Initial Fraud Alert” on your credit report.
Experian 888-397-3742 experian.com
TransUnion 800-680-7289 transunion.com
Equifax 800-525-6285 equifax.com
Review
- Review a copy of your credit report AnnualCreditReport.com and dispute any errors or unauthorized charges with the credit bureau.
- Close any new accounts you did not open.
- Keep detailed records of your communication with creditors, credit bureaus, etc.
Report
- Report the issue to the Federal Trade Commission and obtain an Identity Theft Affidavit.
- File a complaint on the Internet Crime Complaint Center (IC3.gov) if you believe you have fallen victim to a cyber crime.
- Learn more at www.identitytheft.gov.
- File a police report and show your FTC Affidavit.
