Customer Service Phone Number: 888-797-7711

Hours:

• Monday-Friday: 8:00 am - 9:00 pm ET / 7:00 am - 8:00 pm CT
• Saturday: 8:00 am - 6:00 pm ET / 7:00 am - 5:00 pm CT

Extended Hours During Integration:

• August 10, 2025: 12:00 pm - 6:00 pm ET / 11:00 am - 5:00 pm CT

• The first time you use the automated service, you will be asked to enter your Social Security number (SSN), your date of birth and a valid account number.
• Once confirmed, you will be prompted to select a four-digit Telephone Access Code. Be sure to remember your new four-digit Telephone Access Code for future calls.

Cadence Bank has more than 380 branches and over 400 ATMs & LIVE Teller locations across nine states. Find a Cadence Bank branch near you by visiting us at CadenceBank.com/Find-A-Location.

There are no changes to local branch hours and locations at this time.

*All times Eastern.

If you currently have a First Chatham Family of Banks debit card, you can now use it at any Cadence Bank ATM with no service fee.

Also, you’ll be able to make cash and check deposits at any Cadence Bank ATM after the transition using your new debit card.

Please know, your access to third party ATM networks may change after the transition. To find a Cadence Bank ATM near you, visit CadenceBank.com/Find-A-Location.

Cadence LIVE Teller goes beyond the traditional ATM experience by seamlessly integrating the convenience of self-service banking with the personal touch of a teller. With just a touch of the screen, you can connect with a knowledgeable and friendly banker who will guide you through transactions, answer your questions and provide specialized assistance.

Cadence LIVE Teller Hours:

• Monday-Friday: 8:00 am - 8:00 pm ET / 7:00 am - 7:00 pm CT
• Saturday: 9:00 am - 1:00 pm ET / 8:00 am - 12:00 pm CT

To learn more about Cadence LIVE Teller and find a location near you for use after transition, visit CadenceBank.com/LIVETeller.

You can chat directly with a representative once you are logged into Cadence Bank Personal Online or Mobile Banking.

Chat Hours:

Monday-Friday: 9:00 am - 6:00 pm ET / 8:00 am - 5:00 pm CT

Your account number will not change unless you are notified otherwise by mail.

If you received a notice that your account number will change, update all automatic payments and direct deposits with your new account and routing numbers to be effective on or after August 11, 2025. Until that time, you may continue to use your existing checks and deposit slips until it is time to reorder.

Examples of automatic payments to be updated:

• Your employer
• Social Security or any other organization making direct deposits into your account
• Anyone who automatically takes payments out of your account each month, such as a utility bill or gym membership

All First Chatham Family of Banks deposit account customers will receive a final statement by mail that is reflective of the final activity on First Chatham Family of Banks systems. Please retain it for your records. After that, your Cadence Bank statement schedule will be similar to what you have now. You will continue to receive images of your checks with your Cadence Bank statements.

Beginning on August 11, 2025, your new Cadence Bank routing number will be: 084201278

Begin using this new routing number on or after August 11, 2025, when re-ordering checks or establishing new automatic payments.

Please do not make any routing number changes at this time. We’ve taken the steps necessary to ensure your current routing number (and current checks) will continue to work for existing payments and direct deposits such as payroll or Social Security.

You will receive a new Cadence Bank contactless debit card in the mail before July 31, 2025. If you haven’t received your Cadence Bank debit card by July 31, 2025, please contact your local branch.

Begin using your new Cadence Bank debit card on August 11, 2025. Your First Chatham Family of Banks debit card will be deactivated at that time. During the activation process, you’ll be prompted to set a PIN for your new card.

If there is no change to your account number, you may continue using your existing checks and deposit slips until they are gone. When it is time to reorder your checks, you may do so at CadenceBank.com/Checks or your local branch.

If you received notice that your account number will change, you will receive a complimentary book of new checks with your new Cadence Bank account number and should begin using those on or after August 11, 2025. For future orders, you will need to reorder checks with your new Cadence Bank account number. Checks that are in circulation prior to the system conversion will post to your account without a problem.

During transition, you will receive a number of customer communications to keep you informed of changes that may impact you. Unfortunately, cybercriminals could try to seize this opportunity for fraudulent attempts to gain access to your information. Even the most diligent customers can become victims of fraud by clicking on an email link or opening an attachment that appears to be from Cadence Bank. In addition, cybercriminals may target customers with phone calls, presenting themselves as a Cadence Bank teammate asking for personal information.

To protect yourself against potentially fraudulent activities, please be aware of the following:

• Cadence Bank will never contact you by mail, phone, text or email requesting or asking you to verify your account numbers, Online Banking password, Social Security number, or debit card PIN. If you’re unsure of an email, text or call received, do not respond and immediately contact Customer Service at 888-797-7711.
• Be suspicious of any written or verbal communication asking for account or personal information to be provided immediately. Scammers frequently use this sense of urgency to trick unknowing customers.
• Use caution before opening links that may lead to a fake webpage asking you to enter your banking information. Often the fake webpages look similar to the bank’s website but may contain typos or other obvious mistakes.
• Don’t allow anyone to use your account for financial transfers. Fraudsters know how to use wire transfers, Zelle® and third-party peer-to-peer apps for fraudulent activities. Only pay those you know and trust through Zelle® and other peer-to-peer payment apps.

For tips and more information about Fraud Awareness, visit CadenceBank.com/Fraud.

Cadence accepts wire transfer requests made in person at any of our convenient branch locations. To initiate wires by phone, please contact a branch representative to complete a Wire Transfer Agreement. Cadence does not accept wire transfer requests submitted via facsimile or email. Wire transfers may be submitted for amounts up to the available cash balance within the designated account. Please refer to the Common Features, Limits and Fees section of the Resource Guide you received in the mail for a list of applicable fees.

Cutoff Times for Wire Transfers:

Wire transfer payments will be processed the same day if received by 5:30 pm ET / 4:30 pm CT Monday through Friday. Tax payments and consumer foreign currency wires must be requested by 4:30 pm ET / 3:30 pm CT Monday through Friday.

Incoming Wire Transfers:

To ensure that wire transfers are properly credited to your account, please inform the originator of the wire transfer of the following information to be effective as of August 11, 2025:

Domestic Wire Transfers:

1. Bank Name: Cadence Bank
2. Bank ABA Number: 084201278
3. Bank Location: Tupelo, MS
4. Cadence Bank Customer’s Account Number
5. Cadence Bank Customer’s Name on the Account

International Wire Transfers:

1. Beneficiary Bank Name: Cadence Bank
2. Beneficiary Bank BIC/SWIFT: BAHRUS44
3. Beneficiary Bank Location: Tupelo, MS
4. Cadence Bank Customer’s Account Number
5. Cadence Bank Customer’s Name on the Account

Unless you’ve been notified otherwise, continue to use your current safe deposit box as you do today. At the time of renewal for your safe deposit box, Cadence Bank standard safe deposit box fees will apply. You will receive an annual billing notice informing you of the safe deposit box rate.

All SBA loan customers will convert to Cadence Bank’s loan servicing platform during the migration.

• Customers will receive an email from [email protected] to guide you through the process of registering for Cadence Bank’s SBA Loan Servicing Portal. Please bookmark the loan servicing portal link provided in the email for future reference.
• Once registered, you will be able to view your loan information, see your transaction history, securely upload documents as requested, and message securely with the Cadence Bank SBA Loan Servicing Team.

If you are an SBA loan customer, additional notifications will be sent to you by mail and email. If you have any questions, please reach out to your current SBA Loan Officer or call 833-885-0887 (option 2).

Your deposit accounts continue to be insured by the Federal Deposit Insurance Corporation (FDIC). Special FDIC insurance coverage rules apply if you held deposit accounts at both First Chatham Family of Banks and Cadence Bank at the time of legal merger on May 1, 2025. The FDIC’s separate insurance of First Chatham Family of Banks’ deposits assumed by Cadence Bank continues for six months from May 1, 2025, or, in the case of a time deposit, the earliest maturity date after the six-month period. In the case of time deposits which mature within six months of May 1, 2025, and which are renewed at the same dollar amount (either with or without accrued interest having been added to the principal amount) and for the same term as the original deposit, the separate insurance applies to the renewed deposits until the first maturity date after November 1, 2025. Time deposits that mature before November 1, 2025, and that are renewed on any other basis, or that are not renewed and thereby become demand deposits, are separately insured only until November 1, 2025. For additional information, visit FDIC.gov and search “Merger of IDIs”.