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Last Verified: April 14, 2026
Confidence Level: High

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Overview

Cadence Bank allows you to grant access to your accounts by creating a Sub-User. This is done through Commercial Center, where you can:
  • add a new user with their own login credentials
  • choose which accounts they can access
  • define what they are allowed to see and do, such as viewing balances or initiating payments
You will be setting up a user that can securely access account data and initiate transactions without sharing your primary login.

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Bank terminology

ConceptCadence Bank term
Delegated userSub-User
AdminAdministrator

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Setup steps

1. Navigate to user management

Sign in to Commercial Center.From the top navigation, go to: Cash Management → Administration
In the “I want to” drop-down menu on the right, select Add A New Sub-User.Enter the user’s details:
FieldNotes
First NameRequired
Last NameRequired
Username/IDRequired
EmailRequired
PhoneRequired
SSNRequired (used for phone authentication)
Temporary PasscodeRequired
Confirm Temporary PasscodeRequired
Alternate Phone #Optional
Sub-User AdministratorOptional
Our team will provide the exact details to use for this user. Please enter them exactly as provided to ensure the setup completes successfully.
Scroll down to the “Access to Accounts” section. Select the specific type of access or permission from the drop-down menu under Basic Services for each account this user should access.
This must be done for each account individually. If skipped, the user will not see any accounts.
SettingRecommended
Access levelInquiry
Balances✅
Transactions✅
Statements✅
Payments (initiate)❌
Approvals❌
Daily limitsSet as appropriate
The above example corresponds to read only functionality. If you want to enable Waycore to draft transactions on the portal, you should enable payments, approvals, and limits correspondingly.
Review the setup and click Submit to complete.

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Important notes

If no account access is assigned, the user will see no data.
The SSN field is required and used by Cadence Bank for phone authentication. If you use a different number than the user’s actual SSN, you must inform the sub-user so they can authenticate successfully.
Use one user per account if separate connections are required.