Cadence Bank Routing Numbers

Frequently Asked Questions About Cadence Bank Routing Numbers

Why does Cadence Bank have so many different routing numbers?

Cadence Bank has multiple routing numbers due to its extensive acquisition history. The bank was originally founded as The Bank of Tupelo in 1876 and later became BancorpSouth Bank in 1997. Over the decades, Cadence Bank acquired numerous regional banks across the South and Texas, including Texas First State Bank, First Chatham Bank, Superior Bank, State Bank and Trust, and Georgia Carolina Bancshares. When banks merge, they often maintain separate routing numbers for different regions to ensure existing customers' automatic payments, direct deposits, and check processing continue without interruption. Each acquired bank's original routing number typically remains active for accounts opened at those legacy institutions.

Can I use any Cadence Bank routing number for my account?

No, you must use the routing number specific to the branch where you opened your account. Using the wrong routing number can cause serious issues including payment delays, transaction rejections, or in rare cases, funds being deposited into the wrong account. While Cadence Bank uses a single routing number (084201278) for all wire transfers, ACH transactions require your account's specific routing number. Always verify your routing number by checking your personal checks, bank statements, or by contacting Cadence Bank at 1-888-797-7711.

What's the difference between ACH and wire routing numbers at Cadence Bank?

Cadence Bank simplifies wire transfers by using one routing number (084201278) for all domestic and international wire transfers, regardless of which state your account is in. However, for ACH transfers, direct deposits, bill payments, and other electronic transactions, you must use the routing number specific to your account's originating branch. ACH transfers typically take 1-3 business days to process and are better for recurring payments, while wire transfers process the same business day but come with fees ($20 for outgoing domestic wires, $15 for incoming domestic wires).

How do I know which state my Cadence Bank account was opened in?

The easiest method is to look at your checks - the routing number printed on them corresponds to your original branch location. You can also check your original account opening documents, which should list the branch address. If you still can't determine it, call Cadence Bank customer service at 1-888-797-7711 and they can immediately tell you which routing number is associated with your account. You might also find this information on old bank statements, which often show the branch location in the account details section. This matters because your routing number stays tied to your original branch even if you move to another state.

Can I use Cadence Bank routing numbers for international transfers?

No, routing numbers only work for domestic U.S. transfers. For international wire transfers, you need Cadence Bank's SWIFT code: CDBKUS44. When receiving money from abroad, provide the sender with both the SWIFT code and your account details. International wire transfers to Cadence Bank incur a $15 incoming fee, and the sending bank typically charges additional fees as well. Processing times for international wires vary by country but generally take 1-5 business days. For outgoing international wires from your Cadence Bank account, expect to pay $25 per transaction.