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Business Bank Customer FAQs

Questions And Answers

Why did The Business Bank decide to merge with Cardinal Bank?

The Business Bank is a sound and stable institution.  However, our size has limited the range of products and services we are able to offer our clients. Our Board of Directors felt that partnering with a larger in-market institution with a similar philosophy and good reputation presented the best opportunity to provide our clients with enhanced and expanded banking capabilities.  Cardinal Bank and The Business Bank share similar business philosophies and a commitment to providing exceptional service, making this partnership an excellent opportunity to create a truly exceptional regional bank.  

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Who is Cardinal Bank?

Cardinal Bank was founded in 1998, and is headquartered in McLean, VA, with a clear commitment to providing true community-based banking to best serve customers in the region. Several of the original employees are Cardinal executives today.

  • Bernard Clineburg has been the President & Chief Executive Officer since October 1, 2001. 
  • Cardinal Bank has approximately $3 billion in assets with nearly $1.9 billion in loans and $2 billion in deposits.  
  • It now has 29 retail branches, stretching from Fredericksburg, VA to Bethesda, MD.  Its Georgetown office opened on August 5, 2013, and a Rockville, MD office opened in the last week of December, 2013. 
  • Cardinal Bank’s subsidiary, George Mason Mortgage, LLC, has 20 offices that span from Baltimore, MD to Virginia Beach, VA.  George Mason Mortgage closed over $5 billion in mortgage loans in 2012.   
  • Cardinal Wealth Services uses Raymond-James as its broker-dealer.
  • Cardinal has been named a Bauer Financial Five-Star institution every quarter since June, 2009, and has received both regional and national acclaim for its performance.    
  •  Cardinal is committed to giving back to communities where we live, work and raise out families - through the Cardinal Bank Community Fund, it provides grants to worthy organizations throughout the Greater Washington Metropolitan region.

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When will the merger be finalized?

Merger activities will be completed within the first quarter of 2014.  The systems conversion is scheduled to occur March 7 – 9, after which all customer information will be housed on the Cardinal Bank system.  Following systems conversion, we will change our name to Cardinal Bank.  

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Will any branches be closed?

With the geographic overlap of Cardinal Bank and The Business Bank branches, some branch consolidation will occur.  Customers in the impacted branches will be notified by mail with information specific to their branch.  

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How will this merger benefit The Business Bank customers?

Cardinal’s size and stability will allow The Business Bank customers to continue to receive the kind of customer service they expect, while offering them a more extensive banking experience.  The Business Bank customers will have access to a much larger branch network and will continue to have access to a network of thousands of surcharge-free ATMs.  Cardinal’s $50 million legal lending limit offers us the opportunity to expand the relationships of our larger business clients.  

You will be receiving your Cardinal Bank Conversion Guide in the mail shortly.  In it you will find details regarding the conversion of your existing Business Bank accounts into Cardinal Bank accounts, and introduce you to some of the new products, features, and services that you will have access to as a Cardinal Bank client.  

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What information is included in the Conversion Guide?

The Conversion Guide includes detailed information about the conversion.  It includes:

  • A timetable so that you will know what will be happening when and information about how your account will be converted. 
  • Information about statements, FDIC insurance, your account number and what is/is not changing about your account.
  • Steps you need to take for automatic deposits/payments and wire transfers.
  • Information about Online Banking, Mobile Banking, Remote Deposit and Cash Management Online.
  • Banking Office locations.
  • Fees & Service Charges and disclosures for your accounts.

 We will send an additional mailing if there is more information regarding your account or service changes.

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Will my account number change?

Your account number will not change if you have a checking, savings, money market, CD or IRA.  However, if you have a loan, line of credit or mortgage, your account number will likely change.  You will receive a separate letter from us if your account number is changing.  More information is available in the Conversion Guide.

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What will my account be converted to?

Please refer to the Conversion Guide, mailed in February, for details about your converted Cardinal account.  The Conversion Guide also provides information about account disclosures, fees and service charges. 

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Will I need to order new checks?

You will not need to order new checks.  You will be able to continue to use your Business Bank checks and deposit tickets.  When you are ready to reorder your checks, visit the Cardinal Banking Office near you.

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I have automatic deposits or withdrawals to my deposit account. Will I need to make changes?

Any direct deposits or automatic payments you have on your current account will be continued automatically for 60 days.  However, in order to minimize disruption, we recommend you notify those making automatic deposits or payments to your account immediately to begin using the Cardinal routing and transit number:  056008849.

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I receive or send wires frequently. What information will I need beginning March 10th to process wire requests?

Beginning March 10th:

Incoming wire transfer instructions are:

  • Receiving Bank:  Cardinal Bank, McLean, VA
  • ABA Routing Number:  056008849
  • Beneficiary:  Your Account Name and Account Number

Outgoing wire transfers can be initiated via fax or through Cash Management Online after the proper agreements have been signed.  Cut-off times are:

  • Request via Fax:  3:00 pm Eastern Time
  • Request via Cash Management Online:  4:00 pm Easter Time

All wire transfer requests received after the cut-off times stated above will be processed on the next business day.

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Will I get a new debit card or ATM card?

You may continue to use your existing Business Bank ATM and Visa debit cards, including your Business Bank HSA debit card.  When your card expires, you will be issued a new Cardinal Bank CheckCard.  A new PIN will be sent to you at that time.  You can change your PIN at any Cardinal Bank ATM or by calling Cardinal Telephone Banking.  Refer to the Conversion Guide for debit card and ATM limits.

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How will I log in to Online Banking?

Cardinal Online Banking is available for access to personal and business accounts.  Business Bank Online Banking customers will be automatically converted to Cardinal Online Banking.  Refer to the Conversion Guide and separate mailings for details on how to log in and use Online Banking.  Note that e-Statements, e-Bills and check images will not be converted.  We recommend you download or print any e-Statements or check images you may need for your records – especially for tax purposes.

Businesses who require multiple users, access to multiple business TINs, ACH or wire transfers will be set-up on Cash Management Online.  Separate agreements are required for this service and must be received in advance of the March 7th systems conversion to avoid disruption in service. 

Note that e-Statements, e-Bills, ACH and wire templates, and check images will not be converted.  Cash Management Online differences will be highlighted for you in a separate mailing.  We will also provide a checklist to assist you.

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Does Cardinal offer Mobile Banking?

Cardinal offers Mobile Banking for customers who use Cardinal Online Banking.  Our Mobile Banking options include Mobile App Banking (which includes mobile deposits), Mobile Web Banking, and Text Message Banking.  You will use your Online Banking User ID and Password to log in to Mobile App Banking and Mobile Web Banking.  To establish Text Message Banking, log in to Cardinal Online Banking and go to Additional Services – Alerts & Text Banking.  Learn more.

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Where will I need to send loan/line of credit payments after the conversion?

Beginning March 10th, loan and line of credit payments should be sent to the following address:

Cardinal Bank
Loan Operations
PO Box 9186
McLean, VA  22102-0186

For questions, please contact us at 703.584.3420.

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