Is there a limit on how much I can withdraw at the ATM? Your gift letter has to be backed up with paperwork.A gift letter is a piece of legal, written correspondence explicitly stating that money received isn't expected to be repaid. How do I wire money into my account or out to another financial institution? From account management to routing numbers, get all your Cadence Bank questions answered here. How do I wire money into my account or out to another financial institution? Borrowers must have a minimum credit score of 700. Most lenders will be ok with the 10 day gap between withdrawal and deposit of gift. They may ask for a letter of explanation from the borrower. Appearance or requests for withdrawal in the same action.