Online and Mobile Security
No matter where you are, it’s important to know you can bank with confidence. Learn how Cadence Bank protects your accounts when using online or mobile banking and how to better protect yourself from fraud, whether online, using a mobile device, or via email.
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Email Security
Requests for Personal Information
Cadence Bank will never email you to request any personal or sensitive information, such as your PIN, social security number, or account number.
Odd Capitalization, Poor Grammar & Typos
Often, you can tell immediately if an email is questionable due to typographical errors, such as incomplete sentences, awkward writing or poor visual design within the email.
Urgent Email Appeals
Cadence Bank will never email you and threaten to close your account if you do not respond to the email and confirm or verify your personal and sensitive information.
Use these tips to keep your financial information safe from fraudulent emails.
In order to serve you better and help you keep your financial information safe, Cadence Bank has put together some tips for noticing questionable and fraudulent emails and how to protect yourself from fraud.
How to notice fraudulent emails:
- Offers that sound too good to be true. If you receive an email asking you to fill out a survey in exchange for monetary rewards, and all you need to do is provide your financial information to receive payment, delete it. If the offer sounds too good to be true, more than likely, it is.
- Links that seem to be Cadence Bank links but are not. Look closely at links and website addresses sent in emails. When you hover over the link, make sure it’s going to the correct address. Just because “Cadence Bank” is in the URL does not mean it is official or part of our website.
- The email has a generic greeting. If you receive an email that starts with “Dear Valued Customer,” it’s likely from a company or franchise you don’t normally do business with. If you are interested, it may be a better option to visit the business’s website to learn more about the products or services offered rather than follow an email link.
- Attachments on emails you don’t recognize. If you don’t recognize the email sender, don’t open any attachment or click on any link. In some instances, these attachments or links are a source of viruses, malware or other malicious software.
- Charitable requests. Check the validity of charitable organizations requesting donations in any email you receive.
How to protect yourself when you use email:
- Never reply to email messages asking for personal information.
- Know how your financial institution and other companies conduct business (what format they’ll use, what they’ll ask, etc.).
- If an email, attachment or link looks suspicious, do not open it or click on it. Safely research it in other browsers for the product, sale and information. When in doubt, check the website. Use strong passwords for your email account(s) and change them often.
- Never send personally identifiable information via email (logins, Social Security number, account numbers, etc.). It is not secure, and if intercepted between A and B, your information could become compromised.
Online Security
Guard Your Username & Password
Guard your username and password for online banking – don’t share this information with anyone else.
Set Up Alerts
Set up online banking alerts for a variety of transactions or activities on your accounts.
Create Uncommon Passwords
Avoid identifiable passwords that include your birthdate, Social Security number, mother’s maiden name, or even the names of your children or grandchildren.
Learn how Cadence Bank protects you online.
Learn what steps Cadence Bank takes to protect you online along with personal best practices.
How Cadence Bank protects you online:
- Secure Access to Account Information. All customers must enter a username and password to access mobile banking for the first time. Once logged in, you can enroll in facial or touch ID recognition. We have a secure verification process in place to ensure that only you have access to your accounts.
- Certificate of Validation. Cadence Bank uses encryption technology to protect the “communication” between you and your accounts using online banking. This extra layer of security protects your personal and account information from intrusion.
- Privacy Protection. We adhere strictly to our Cadence Bank Customer Agreement and Disclosure Statement for Online Banking Services, which outlines our standards for protecting your financial and personal information.
- Regularly Tested. We regularly test (both automated and manual) our systems to ensure they are safe and secure.
Protect Yourself Online
- Review your Cadence Bank accounts regularly and report any unauthorized activity immediately at 888-797-7711.
- Change your password regularly for any online account you use, including online banking.
- Use a secure payment system for online or in-person shopping such as mobile wallet.
- Enable screen locks and/or set passwords to prevent others from using your computer or devices when you’re not there – don’t use the same PIN or password on every device.
- Do not send sensitive information via email.
- Always log out of online banking after using it.
- Regularly clear your cache and browser history so payment details, passwords and other saved information are deleted.
- Keep all your computer systems updated, including anti-virus software, anti-spyware software, anti-malware software, firewalls, browser operating systems and security updates.
- Only shop online at secure sites – a padlock symbol and “https” should appear in the website address.
- Do not use public computers or Wi-Fi to make financial transactions.
Mobile Security
Download Security Updates
Download any security patch updates and anti-virus software on your phone as often as necessary – you want to make sure you have the most updated software version on your phone.
Never Send Personal Information
Never send your personal information or online banking credentials by email or text.
Check for the Security Symbol
Avoid entering personal information on websites that do not have the security symbol or “https” in the website address.
Know how to protect yourself while on your mobile device, no matter where you are.
We know you're always on the go, and we're committed to protecting you from fraud, 24/7.
How Cadence Bank protects you when using a mobile device:
- Secure Access to Account Information. All customers are required to enter a username and password to access mobile banking for the first time. Once logged in, you can enroll in facial or touch ID recognition. We have a secure verification process in place to ensure only you have access to your accounts.
- Certificate of Validation. Cadence Bank uses encryption technology on your mobile device to protect the “communication” between you and your accounts. This extra layer of security helps protect your personal and account information from intrusion.
- Privacy Protection. We adhere strictly to our Cadence Bank Customer Agreement and Disclosure Statement for Online Banking Services, which outlines our standards for protecting your financial and personal information.
- No Information Storage. We do not allow the storage of “secret” information on any mobile device.
- Regularly Tested. We regularly test (both automated and manually) our systems to ensure they are safe and secure.
How you can protect yourself on mobile devices:
- Read the privacy policy prior to downloading an app on your phone. Consider what you know about who created it and what it does. Some apps may be able to access your phone and email contacts, call logs, internet data, calendar data, data about the device’s location, the device’s unique IDs, and information about how you use the app itself.
- Secure your phone and SIM (Subscriber Identity Module) card with a password and set your phone to automatically lock when you are not using it.
- Delete any text messages you receive from Cadence Bank once you’ve read them.
- Consistently delete your browsing history and other old information.
- Don’t set your phone settings to “auto-fill” user IDs and password information. While it may be more convenient, it is not necessarily safe to do so.
- Avoid using an unsecured public Wi-Fi network when banking or shopping online.
- After writing down your mobile device's make, model and serial number, do not store that information in a public area.
Important: Do not respond to text messages that ask for personal or financial information.
Cadence Bank will never ask for this information via text message. If you receive a text message asking for this information from someone claiming to be from Cadence Bank, do not respond to the text message and call us immediately at 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.
