Estate planning at Cadence Bank

Yes. Cadence Asset Management & Trust provides corporate trustee, co-trustee, executor, and co-executor services. The bank offers trust administration, estate settlement, court-created trust management, and special needs trust services. Contact the Wealth Management division at (713) 871-5445 for details.

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 Incorporated completed its acquisition of Cadence Bank on February 2, 2026. Cadence branches continue operating under the Cadence Bank name during the transition period. Customer accounts are expected to be converted to Huntington systems mid-2026, at which point branches will transition to the Huntington Bank brand. Customers continue using their existing accounts, cards, checks, and digital banking during the transition. Huntington has stated it intends to maintain the Cadence branch network with no closures.

Yes. Cadence Asset Management & Trust provides corporate trustee, co-trustee, executor, and co-executor services. Services include trust administration, estate settlement, court-created trust management, special needs trust management, and specialty asset management (including real estate, farm and ranch land, and oil, gas and mineral interests). Contact the Wealth Management division at (713) 871-5445 or visit https://cadencebank.com/wealth-management/contact-wealth-management 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.