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First Choice Savings




With First Choice Savings1 you can enjoy:

  • 1.01% APY on balances up to $100,000 (Tier 1 interest rate) and 0.21% APY on balances more than $100,000 (Tier 2 interest rate).

  • Low monthly balance requirement of $500.1

  • Free Online Banking with the convenience of online statements (e-Statements).


Get more when you also open a Cardinal Bank checking account:

  • Free Online Banking and Bill Pay - View balances and activity, transfer funds, receive and pay bills, manage your finances with FinanceWorksTM and more.
  • Automatic Savings Program - With Scheduled Transfers in Online Banking, you can quickly and easily create your own savings plan tailored to work with your budget.
  • Free Mobile Banking - Bank anywhere, when you are on-the-go with Cardinal Mobile App Banking, Mobile Web Banking or Text Message Banking.2 
  • Cash  Back Rewards Earn cash rewards for everyday purchases when you use your Cardinal CheckCard with Cardinal CashBack Rewards.3 
  • Access to Thousands of Surcharge-Free ATMs -Use your ATM or CheckCard at the thousands of SUM/Intercept or MoneyPass ATMs located throughout the United States.
  • Convenience of Cardinal Banking Offices – Located in Virginia, Maryland, and D.C.






Visit a Cardinal banking office near you to open an account.

Use Promo Code FSV14.



Interested in Other Cardinal Accounts?

View our Comparison Chart.





Call 703.584.3400 or 800.473.3247.





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1 Annual percentage yield (APY) effective as of 2/3/16 and is subject to change without notice. Minimum opening deposit $50. Must maintain a $500 minimum daily balance to avoid $10.00 monthly fee.  Fees may reduce earnings. One account per tax identification number.   Available for new personal relationships only with new money required. New money is defined as not currently on deposit with Cardinal Bank.  E-Statements are required (no paper statements).  Balances over $100,000 earn a blended rate.  Accounts opened online have limits to the opening amount. Federal regulation and our deposit agreement limit the number of pre-authorized withdrawals and/or transfers that may be made from a savings or money market account to six each monthly statement cycle. A $5.00 fee is applied per transfer for overdraft protection. Additional fees are applied per withdrawal on savings accounts $5.00 per withdrawal after the first three per month for First Choice Savings.  See the fee schedule for details.  

2 No fee from Cardinal Bank. Other charges including wireless carrier text messaging and web access fees may apply.

Purchases must be made with your Cardinal Visa® CheckCard and meet the requirements of the offer in order to earn the cash back reward.