Cadence Bank $400 Business Checking Bonus [AL, AR, FL, GA, LA, MO, MS, TX and TN, In Branch] – Ends 11/30/25

Looking at business bank bonuses, and Cadence Bank’s $400 offer caught my attention. It’s straightforward, but you need to understand exactly what they’re asking for before diving in.

Let me break down the requirements and whether this makes sense for your business.

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The Offer Breakdown

Bonus Amount: $400
Account Types: Business My Way Checking or Business Checking Plus
Deadline: November 30, 2025
Must Open: In-branch only (no online applications)

The Four Requirements (All Must Be Met)

Step 1: Open Account In-Branch

• Must visit a physical Cadence Bank location
• Choose Business My Way or Business Checking Plus
• $50 minimum opening deposit for either account

Step 2: Initial Deposit

• $5,000 minimum within 30 days of opening
• This is separate from your opening deposit

Step 3: Maintain Balance

• Keep $5,000+ average daily collected balance
• Must maintain for first three statement cycles
• “Collected balance” means cleared funds, not pending deposits

Step 4: Transaction Activity

• Complete 15 qualifying transactions within first three statement cycles
• Includes: deposits, debit purchases, bill pay, mobile deposits, ACH, wires
• ATM and teller deposits count too

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Earn Up to 4.10% APY

Go to the deal

Account Options: Which Should You Choose?

Business My Way Checking:

• 225 transactions per month included
• $10 monthly fee
• Fee waived with $500 daily balance OR 5 debit purchases monthly
• Better for lower-volume businesses

Business Checking Plus:

• 500 transactions per month included
• $20 monthly fee
• Fee waived with $5,000 daily balance OR 10 debit purchases monthly
• Better for higher-volume businesses

My take: If you’re maintaining $5,000+ for the bonus anyway, Business Checking Plus makes sense—the fee is waived and you get more transactions.

The Math That Matters

Required commitment: $5,000 for roughly 3-4 months
Reward: $400
Effective return: ~16-21% annualized

That’s solid, especially since you’re likely keeping business funds somewhere anyway.

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Up to $1,500 & Top APY

Go to the deal

What I Like About This Offer

Reasonable requirements:

• 15 transactions over 3+ months is easy for most businesses
• $5,000 balance requirement isn’t excessive
• Clear, straightforward terms

Account benefits:

• 350+ branches and 400+ ATMs
• Mobile deposit and online banking
• Free business debit card
• Access to LIVE Tellers (video banking)

Potential Gotchas

Must open in-branch: No online applications accepted. You need to visit a physical location.

Three statement cycles: This could be 3-4 months depending on when you open and when your cycles close.

Previous customer exclusions: Can’t have been a primary owner of a Cadence business checking account in the past 12 months.

Geographic limitations: Cadence operates primarily in the South/Southeast. Check if there’s a branch near you.

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Go to the deal

Who This Makes Sense For

Good fit if you:

• Keep $5,000+ in business checking anyway
• Have regular business transaction activity
• Want a regional bank with physical locations
• Haven’t been a Cadence customer recently

Not ideal if you:

• Can’t easily visit a branch location
• Don’t maintain $5,000+ business balances
• Prefer online-only banking
• Need extensive transaction volume (look at the monthly limits)

The Transaction Requirement Reality

15 qualifying transactions over 3+ months breaks down to roughly 4-5 per month. For most businesses, this includes:

• Depositing customer payments
• Paying suppliers via ACH
• Using your business debit card
• Mobile check deposits
• Bill pay transactions

Bottom line: This shouldn’t be hard to hit with normal business activity.

TRENDING DEAL:

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Up to $3,000 Cash Bonus

Go to the deal

Before You Apply

Questions to ask yourself:

1. Is there a Cadence Bank branch convenient to you?
2. Can you comfortably keep $5,000 in business checking for 3-4 months?
3. Will you naturally generate 15+ transactions over that period?
4. Do the account features meet your business needs long-term?

Check the fee structure: After the bonus period, make sure you can avoid monthly fees through balance or transaction requirements.

See the Best Checking & Savings Account Bonuses and Start Earning Free Cash Today

Bottom Line

This is a solid business banking bonus with reasonable requirements. $400 for maintaining $5,000 and completing basic business transactions is competitive.

But here’s what most business owners get wrong: they focus on the bonus and ignore whether the bank actually serves their long-term needs.

The reality: If you’re already keeping $5,000+ in business checking and need a regional bank with physical locations, this bonus is essentially free money.

Action step: Find your nearest Cadence Bank location and verify they’re convenient for your business needs. The bonus is nice, but you’ll be banking there long after the $400 is spent.

Pro tip: Business banking relationships often lead to better loan terms and credit lines. Factor in the potential long-term benefits beyond just the initial bonus.

Remember: The $400 bonus will be taxable business income. Always read the complete terms and conditions.