1. Not open on Saturday 2. Needed a small personal loan to remodel a bathroom. They don't do personal loans. 3. Options on the loan were....do a 2nd mortgage or they would issue me a credit card. 4. Builder I am using does not take credit cards. Cadence does not have credit card terminals at the branches to facilitate cash advances. 5. When I asked about cash advances I was referred to the Iberia Bank next door.s 6. Cadence is not a real bank.