Former Cadence Bank customers who now bank with Huntington have until the end of this year before their old routing number stops working. Huntington says the routing number changed to its own, and that the Cadence account and routing numbers “will still work through the rest of the year.”

The page gives no exact cutoff date, so the safe reading is December 31, 2026. Any direct deposit, transfer or automatic payment still pointed at a Cadence number is on a clock that has about two months left.

What Huntington says about the switch

Cadence branches closed on June 18, 2026, and Huntington’s Cadence customer page says they reopened as Huntington branches on Monday, June 22, 2026, with regular business hours. New account numbers were mailed in June, and they can also be viewed in Huntington Online Banking.

Huntington describes the old numbers as a grace period. The page says the extra months mean customers will “have plenty of time to make updates to any existing direct deposits, transfers, and automatic payments.” It does not say what happens to a payment sent to an old number once the year ends.

Which payments are still using the old number

The most exposed payments are the ones set up years ago and forgotten, such as a pension deposit, a Social Security or SSI deposit, a pharmacy autopay or an insurance premium pulled from checking. Each one was set up with a routing number and account number, and the sender still holds the Cadence versions until someone changes them.

What changed this year: Social Security and Medicare change every year, and nobody sends you a memo. The Retirement Money Brief breaks down what changed and what to do.

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A benefit deposit that stops landing is the costliest version of the problem. Whether a deposit arrives after 2026 on an old Cadence routing number is the open question, because Huntington has said only that the numbers work through the rest of the year. Anyone who receives Social Security or another monthly check at the bank should confirm the routing number on file with the agency or payer and replace it with the Huntington number well before January.

Debit cards, credit cards and eBills

Huntington’s page tells customers to update any automatic payments tied to a debit card so bills and subscriptions keep going. For a credit card, AutoPay has to be set up again with the new Huntington credit card number.

Electronic bill payments are a separate gap. Huntington’s online banking page says the bank “does not support electronic bills (eBills),” and eBill auto payments from Cadence do not continue. Future payments have to be set up again in Bill Pay.

The same page says Zelle users from Cadence “will need to enroll again,” and that Bill Pay payments are withdrawn on the “send on” date, not the due date. It advises allowing about two business days for electronic payments and about five for checks.

Checks and everyday banking

Paper checks are the easy part. Huntington says Cadence Bank checks can keep being used “until they run out,” and ordering Huntington checks is optional. The first order for eligible designs is free if placed within three months of the transition.

Huntington’s Cadence transition page describes a network of nearly 1,400 full-service branches in 21 states, so most former Cadence customers have a branch to visit in person. The online banking page also points to a video, “Find Your Account Information and Set Up Direct Deposit,” and a page on finding the routing number.

A short list for the rest of 2026

• List every deposit that arrives at the account, starting with Social Security, SSI, pensions and annuities.
• List every payment that leaves it, including insurance, utilities, loans and subscriptions.
• Replace the routing and account numbers with the Huntington versions, one payer at a time.
• Re-create eBill auto payments in Bill Pay and re-enroll in Zelle if it was used at Cadence.

Huntington’s customer page is the one place that states the deadline, and it stays at “the rest of the year.” For the longest-running deposits, finishing in November leaves December as a buffer.

Will the January deposit land after the Cadence number expires?

Huntington says the old Cadence numbers work through the rest of the year, and a benefit deposit still aimed at one of them has until then. A deposit that comes up short or late in January means a gap in rent, food and medicine money.

The Social Security Check Protection Kit contains the 2026 payment calendar, so the next arrival dates are on one page, and a first-24-hours plan for a late or missing payment. Part 3, Locking the Check Down, covers the payment itself.

Get the check protection kit with the first-24-hours plan for a late deposit →

More Financial Reading

• 21 Ways to Stretch a $2,087 Social Security Check
• 15 Places to Find Your Share of the $4.25 Billion States Give Back
• 21 Ways Retirees Can Raise $1,000 Fast Without a Job

This article was produced with AI assistance and edited for accuracy against the sources linked above.