Fluent by Cadence
Frequently Asked Questions
What does the name Fluent mean?
“Fluent” literally means that someone can speak or write a language with ease. In this
case, the language is finance. With the new Fluent by Cadence family of services, our
clients will be able to manage their finances with ease and convenience, anytime and
anywhere.
What does it cost?
There is no cost to enroll in Fluent or to use TotalMoney, FlashDeposit or Mobile
banking. (If you use a mobile phone, there is no cost from Cadence Bank, but your
mobile banking provider may apply standard rates depending on your data plan or text
message plan.)
What if I forget my username?
If you have forgotten your User ID, please contact Cadence Bank Customer Service at
800-636-7622 or email [email protected].
What if I forget my password?
There is a self-service password reset feature on the login page of Fluent.
Where do I get help if I need assistance?
Call or email our Cadence Customer Service at 800-636-7622 or
[email protected] for assistance.
Is Text Banking still available?
Yes, anyone who is enrolled in Fluent can do text banking if their mobile service provider
provides text services.
Are Online Banking and Bill Pay part of the Fluent family of services?
Yes, Online Banking and Bill Pay are accessed via the Fluent login.
Can anyone else see what accounts I put in Fluent’s TotalMoney application?
No one can see your accounts unless you ask Cadence Customer Service to view them in order to assist
you with a support issue.
I have a joint checking account with a family member. Can he/she use Fluent?
Yes, a joint checking account holder can enroll in Fluent if they are the primary or secondary account
holder on Cadence account records.
I also have a small business checking account at Cadence. Can I add that one to
Fluent?
If you have a consumer banking relationship at Cadence, it is possible you may be able to add your small
business checking account to be able to view it in Fluent. After you enroll in Fluent, look on the accounts
screen to see if the small business account was linked automatically. If you do not see it on the accounts
screen, then contact Customer Service at 800-636-7622 or [email protected] to see if
it can be added manually.
You may prefer to manage your small business banking relationship via Cadence’s Allegro system,
designed for the needs of businesses. Allegro’s basic Business Online Banking provides added functionality
that is not available in Fluent. In addition, Allegro offers a more robust online banking and bill pay system,
plus treasury services to assist you in managing your business’s cash flow.
How can I access Fluent, including FlashDeposit and TotalMoney?
Fluent can be accessed from a desktop or laptop computer. Fluent also offers a mobile app for
smartphones and tablets called Cadence Bank Mobile.
You can also access Fluent using any mobile phone where you can launch a browser to log into the
desktop version of Fluent. This is not recommended since the desktop environment is not designed for
ease of use on a mobile device, but this option is available for use when needed.
What about Mobile Banking? How can I access it?
After you have enrolled in Fluent, download the Cadence Bank Mobile app from the Apple® App Store or
the Google Play™ Store.
* iPhone®, iPad® and iPod® are registered trademarks of Apple, Inc., registered in the U.S. and other countries.
Android™ is a trademark of Google, Inc.