Cadence Bank Checking Accounts

Cadence is a joke! They want to ensure you have at least $250 in your checking account "every day", yet when you make deposits or transfer money over, it takes days to appear in your account. This delay occurs even on non-weekend and non-holiday days. It's ridiculous, and they shouldn't be able to hold your money in limbo. If you deposit money and attempt to use it while it's still "pending" for days, I'm sure they would penalize you for that, even though the money is there. I'd give negative five stars if I could.

Total piece of junk bank. They took $500 from our checking account little by little with "service" and "dormant" fees that they never bothered to send us any notification about until finally, when there was no money left in the account, they then had the audacity to finally mail us a notice that we owed them another $8 on top of the $500 they took. Worst bank ever. Avoid at all costs.

BEWARE! There is something going on with this bank, particularly the branch in Sherman, Texas. I noticed discrepancies in my account balance. An $8,000 unauthorized withdrawal was deducted from my account. Luckily, I caught this; it had gone unnoticed for three weeks. The bank said it was an oversight on their part. The money was deposited back into my account. Now I'm on high alert. I noticed that three weeks before the $8,000 incident, there was another withdrawal of $3,000 made at the bank. It had another customer's name on it, with supposedly my signature and account number, deducted from my account. A back office somewhere will look into it, I was told. There is also a $1,000 withdrawal that has come into question. All withdrawals were made at the bank. The bank said this happened because another customer had visited the bank prior. Another oversight on their part. The bank said the amount, date, and account number were correct; only the name was incorrect. I called the customer whose name appeared in question on the withdrawal. The customer states his banking routine does not consist of withdrawals, only checks or deposits. There is no reason the bank would have had a prepared withdrawal slip with this customer's name for two reasons: 1. He fills out forms entirely. 2. His normal banking routine does not consist of withdrawals. The bank's response was simple—oversight on their part, and they didn't catch the conflicting information on the withdrawal, and they had also made an error when they prepared the slip ahead of time. It should have been a deposit slip. All that being said, I was called and notified a cashier's check was waiting for me. My account had been closed. WHAT!?

So the bank is down; they change policy on overdraft regularly and make up rules. You are supposed to be able to deposit same-day cash, but they charge you anyway when you do. And now we have no access to our money for three days. But we are supposed to be patient! Worst bank ever.

This is the worst bank I've ever banked with. I'm telling you right now, if you're looking for a bank, do not go to this one because they are terrible.

Supposedly, this bank has locked all our account activities and isn't explaining what's happening with our money. Just wait for them to get around to depositing your hard-earned money, which is supposed to be automatically deposited from my job. The bank can't provide any information; therefore, the bank does not operate independently; someone else makes the calls for this bank. So, your money is not really your money. Do not trust any banks with your money ever, especially this bank. I've had nothing but problems with fraud, which a bank should be able to prevent from being taken fraudulently. However, no bank can guarantee this; therefore, it's unreliable. Don't bank with Cadence; they are disappointing.

I wish I had read reviews sooner. I needed a new debit card due to puppy issues on November 27th, 2024. I went in, and the agent changed my address to ship my new card. I went back on December 17th, 2024, and learned the original agent in November never ordered my card. This agent said that with the holidays, it could take longer. It is now January 17th, 2025, and I still haven't received my card. When I emailed, there was no answer. Chatting on the app was not possible as their system was down. When I called, no one answered.

No ATMs locally; I have to drive 15-20 miles to make a deposit. This is very inconvenient. I am ready to change to a credit union or any bank that has ATMs locally.

On 12/23/24, I was asked by a teller what I was going to spend the $10,000 on that I was attempting to withdraw. I replied that it was none of their business and I've never been asked by a banker what I was going to spend my money on. However, 4 days prior to that, I deposited a $26,000 government check from my deceased husband's retirement fund. On that day, I took out $6,000 and bought my nephew a car. Today, I was attempting to pay for a new air conditioning system in my home in Alabama and put my 90-year-old father-in-law in a condo on the beach for the week of Christmas.

The bank replied that they had put a hold for 10 days on the check that I deposited 4 days ago and that it wouldn't be available to me until after Christmas. I was appalled; not only did I have to cancel my Christmas plans with my father-in-law, but I also had to make the air conditioning company pause the project until after Christmas. I was trying to take my 90-year-old father-in-law on a vacation for 5 days, and I had to cancel all that because I bank with Cadence Bank. I've never been treated like this at a bank in my life.

So, if you actually depend on using the money you deposit in the bank, I wouldn't use Cadence Bank. It was the worst experience at a bank I've had in my 62 years of living. I will close this bank account the day after Christmas and go back to a bank I'm familiar with. At first, she said it was because of suspicious activity. I asked her what credentials she had to judge that and deem it suspicious activity. She then changed her tune and said it's a 10-day hold on a check, out of which I had already withdrawn $6,000. What kind of bank does this? A Navy retirement check, and Cadence Bank ruined my Christmas.

I've been a loyal customer with Cadence Bank for over a year now in Texas. They were informed from the beginning that I am an OTR Truck Driver and that it is my business. However, today was the second time they locked my bank card without my authorization! As a result, my automatic bill payment for three important bills could not be processed, and now I have to pay late fees because of Cadence Bank! When I called to tell them about this issue, after speaking with three different people, the last person informed me that they had sent me a text message indicating my card was locked. That's completely unacceptable to take control of my account and dictate how I spend my money and where!