Estate planning at Cadence Bank

Cadence Bank is now Huntington Bank (rebrand completed June 22, 2026), and the former Cadence Asset Management & Trust business is now part of Huntington Private Bank. Huntington Private Bank provides corporate trustee, co-trustee, executor, and co-executor services, including trust administration and estate settlement. Contact Huntington Personal Trust and Estate Services at 1-877-575-2265.

If the account holder did not name a POD beneficiary and the account is individually owned, Cadence Bank will freeze the account until it receives proper legal authority to distribute the funds. This typically requires Letters Testamentary or Letters of Administration from probate court, or a small estate affidavit where allowed by state law.

Yes. Cadence Bank deposit accounts are FDIC insured up to $250,000 per depositor, per ownership category. POD beneficiaries and trust beneficiaries may each qualify for separate $250,000 coverage, increasing total insured amounts based on the number of qualifying beneficiaries.

Yes. While IRA accounts cannot be retitled to a trust, you can name a trust as the primary or contingent beneficiary of your Traditional or Roth IRA. Contact Cadence Wealth Management to complete an IRA-specific beneficiary designation form. Naming a trust as IRA beneficiary has tax implications that should be discussed with a tax advisor.

Huntington Bancshares completed its acquisition of Cadence Bank on February 2, 2026, and the rebrand is now complete. Former Cadence branches closed June 18, 2026 and reopened as Huntington Bank branches on June 22, 2026. Cadence online and mobile banking ended June 19, 2026; accounts now live in Huntington Online Banking. Deposit accounts converted June 22-24, 2026 with new Huntington account and routing numbers, though former Cadence account and routing numbers still work through the rest of 2026 for deposits and automatic payments. For any account, beneficiary, or estate matter on a former Cadence account, use Huntington channels: 1-800-480-2265 or https://www.huntington.com/landing-pages/cadencebank.

The former Cadence Asset Management & Trust business is now part of Huntington Private Bank following the June 22, 2026 rebrand. Huntington Private Bank provides corporate trustee, co-trustee, executor, and co-executor services, including trust administration and estate settlement. Contact Huntington Personal Trust and Estate Services at 1-877-575-2265, option 2, or visit https://www.huntington.com/private-bank/solutions/trust-estate-planning for more information.

Heritage Checking is designed for customers aged 62 and over. It offers interest-bearing checking with tiered rates, one free box of special member checks per year, 50% off other check offers, Early Pay for direct deposits up to two days early, and a Mastercard debit card. Minimum $50 to open.