Personal Banking

No Strings Attached

No Tricks. No Traps. No Strings Attached.

Looking for more in your banking? Cardinal Bank offers the value you expect in a banking relationship with value, convenience, control, security and rewards.

Get the value you expect today at Cardinal Bank! Open your account at a Cardinal Bank branch near you or apply online.

Value

• A variety of checking accounts designed to meet your needs - including Simply Checking - a checking account with no minimum balance requirement and no monthly maintenance fee
• Free Cardinal Bank Visa^® CheckCard
• Free Cardinal Rewards with Visa Extras and Cardinal CashBack Rewards
• Unlimited check writing

Convenience

• Free Online Banking, online bill pay, e-Statements and FinanceWorks^TM
• Free Mobile Banking accessible at gocardinal.net¹
• No fee for using a non-Cardinal Bank ATM²
• The convenience of Cardinal Bank banking offices and ATMs
• No ATM surcharge fee at over 32,000 ATMs throughout the United States by using NYCE^®, SUM^®, MoneyPass^® or InterCept^® ATMs – list of ATMs conveniently available on cardinalbank.com or through Mobile Banking.

Control

• Cardinal Bank Visa CheckCard for purchases provides a convenient, safe and easy way to pay. The money for your purchases comes directly out of your checking account – unlike a credit card where you may have interest to pay on top of your purchases.
• Set-up alerts and reminders in Online Banking so that you know whether your account balance is getting low
• Apply for an Overdraft Protection Line of Credit³ or link your Cardinal Bank Savings Account for overdraft protection on your account in case you need it.⁴

Security

• The Cardinal Bank Visa CheckCard is safer than carrying checks or cash
• Visa Zero Liability Policy⁵ – If your CheckCard is lost or stolen—or if the account is misused by someone else—Cardinal Bank will reimburse your checking account for 100 percent of any unauthorized transactions.
• Provisional Credit if there is any fraudulent activity on your account.⁶
• Proactive Monitoring – Cardinal Bank continuously monitors your accounts for suspicious activity.

Rewards

• Earn points on everyday CheckCard purchases⁷ when you enroll in Visa Extras - including 1,000 points just for enrolling - exchangeable for cash, gift cards, merchandise and more.
• Earn cash back with Cardinal CashBack Rewards, available within Online Banking, receive offers at various merchants and earn cash back when you activate those offers.

Get The Value You Expect Today at Cardinal Bank!

Open your account at a Cardinal Bank branch near you or apply online.

¹ Service requires mobile Internet access from your cellular phone, PDA or other wireless device.
² ATM owner may impose surcharge.
³ Subject to credit approval. Must be 18 or older to apply.
⁴ Transfer fees apply. Refer to Schedule of Fees.
⁵ Visa Zero Liability covers U.S.-issued cards only. Does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify Cardinal Bank immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued. For specific restrictions, limitations and other details, please consult your issuer. For more information, visit visa.com/security.
⁶ We may provide you with provisional credit if you suspect there is an error or unauthroized activity on your account. Call us at 703-584-3400 or 1-800-473-3247, or write us at 8270 Greensboro Drive, Suite 500, McLean, VA 22102 as soon as you can if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Your request to research the transaction must include your name and account number, the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information and the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within 10 business days after we hear from you and we will correct any error promptly. If we need more time, however, we may take up to forty five (45) days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) business days for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation of our findings within three (3) business days after we finish our investigation. At the same time, we will debit your account for any funds temporarily advanced to you. We can provide copies of the documents that we used in our investigation upon request.
⁷ A Qualifying Purchase is any signature-based purchase, Internet purchase, phone or mail order purchase, bill payment, contactless purchase (purchases made by holding your Visa card or other device up to a secure reader instead of swiping your card), or small dollar purchase for which you are not required to sign, made with an enrolled Visa card, which is processed or submitted through the Visa U.S.A. Inc. payment system. A Qualifying Purchase does not include a purchase made using a Personal Identification Number (PIN) or purchase you initiate through identification technology that substitutes for a PIN. Additional restrictions apply. For more information on qualifying purchases, see program terms and conditions.

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