Cut-off Times for Deposits, Transfers and Other Transactions
At Cadence Bank, we offer various ways to deposit, transfer and send money to others. For cash and check deposits, our policy is to make funds available to you on the first business day after we receive your deposit if it is received prior to the cut-off times listed below. The exception is for Mobile Deposits, which are normally available within two business days.1
| Channel | ATM Deposits | LIVE Teller Deposits | Mobile Deposits2 | Online & Mobile Transfers Between Your Cadence Accounts | Online & Mobile External Transfers to Outside Financial Institutions | Branch Deposits |
|---|---|---|---|---|---|---|
| Cut-off Time | 9:00 p.m. CT | 7:00 p.m. CT | 8:00 p.m. CT | 10:30 p.m. CT |
|
Aligned with Branch Closing Time |
For more information on availability of your funds, please review our Funds Availability Disclosure.
Have questions? Connect with one of our teammates.
1In some cases, all deposited funds may not be available on the first business day after your deposit. If this occurs, we will notify you either at the time you make your deposit or by mail.
2Mobile deposit transactions made before 8:00 p.m. CT on business days are normally available within two business days. Transactions received after 8:00 p.m. CT or on any day which is not a business day shall be deemed received on the next business day.
