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Checking. Pure and Simple.

Cadence Free Checking puts flexible and free into the same account for you. Get the power of unlimited check writing and the ease of a debit card at no additional charge — without paying a penny for monthly service charges.

Features of our Free Checking account include:

  • Minimum opening deposit of $50
  • No service charges
  • No minimum balance requirements
  • No interest paid on balances
  • Unlimited check writing
  • Debit card at no additional charge*
  • Direct deposit at no additional charge
  • Free 24/7 Telephone Banking
  • Free Online Banking with free Bill Pay
  • Free e-statements
  • Free Mobile Banking
  • Card Patrol℠ — Real-time online monitoring of your debit or credit cards with an early warning system.1
  • Free access to MyIDMatters℠, an educational website on identity theft issues
  • Discounts on gifts cards


Visit a Cadence Bank location today to enroll in Free Checking. 

Add extra services to your checking account at any time:


Check Reorders: To reorder checks, go to Deluxe Check Order or call 877-838-5287. If you are a former Encore Bank customer, visit Order My Checks or call 800-355-8123.


*ATM network fees may vary by market.

1Card Patrol℠ monitors up to 10 registered major credit/debit cards (including Visa®, MasterCard®, American Express®, Diners Club® and Discover®) in Internet chat rooms. It is impossible to ensure that all Internet chat rooms have been searched for your personal information. Accordingly, your monitoring alert reports may not contain or apprise you of all your personal information that is publicly available or that may have been compromised.

TurboTax Discount

TurboTax Discount

Cadence Bank is offering a discount on tax preparation by TurboTax.

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