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First Choice Checking




With First Choice Checking1 you can enjoy:

  • 0.76% APY on balances up to $100,000 (Tier 1 interest rate).  One direct deposit or 10 CheckCard transactions required per statement cycle to earn the Tier 1 interest rate.1 
  • 0.21% APY on balances more than $100,000 (Tier 2 interest rate).
  • No CheckCard or ATM fees from Cardinal Bank.  
  • Up to $15 ATM surcharge rebate per statement cycle for other ATM owners' surcharges. 
  • Unlimited check writing.

Plus, you get all the convenience and rewards you expect with:

  • Free Online Banking and Bill Pay - View balances and activity, transfer funds, receive and pay bills, manage your finances with FinanceWorksTM and more.
  • 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  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. 


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View a Sample Statement

View the Frequently Asked Questions


Open A First Choice Checking Account Today.

Open an account now or visit a Cardinal banking office near you. 


Interested in Other Cardinal Accounts?

View our Comparison Chart.




Call 703.584.3400 or 800.473.3247. 

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1 Minimum opening deposit $100. Must maintain a $5,000 minimum daily balance to avoid $15.00 monthly fee. Fees may reduce earnings. One account per tax identification number.  Annual percentage yield (APY) effective as of 2/3/16 and is subject to change.  Available for Personal Accounts only. New money required. New money is defined as not currently on deposit with Cardinal Bank. No charges from Cardinal Bank for use of any ATM and up to $15 rebate for other ATM owner's fees reimbursed per statement cycle. Rebate may be subject to tax reporting. In order to earn the Tier 1 interest rate, either one direct deposit (which must be an ACH transaction) or ten CheckCard purchases (which must be PIN/ and/or signature; ATM withdrawals do not qualify) must post and settle during the statement cycle. Otherwise, the account will earn the Tier 2 interest rate.

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.