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Simply Checking


Simply Checking Gives You All The Convenience Without The Hassle

  • No Monthly Maintenance Fee - Gain peace of mind with no minimum balance requirement and no monthly maintenance fee.1 
  • No Direct Deposit Requirement - Enjoy the option to have your payroll directly deposited into your account.
  • No Debit Card or ATM Fees - Save money with no Debit Card or ATM Fees from Cardinal Bank - Easy access to thousands of ATMs.2 

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.3 
  • Access to Cash - Enjoy easy access to cash at thousands of surcharge-free ATMs throughout the United States.2
  • Cash  Rewards Earn cash rewards for everyday purchases when you use your Cardinal CheckCard with Visa® Extras4 and Cardinal CashBack Rewards. 



Open A Simply Checking Account Today.

To open an account, 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.
2 ATM owner may impose surcharge. No ATM surcharge fee using NYCE®SUM®/Intercept®, MoneyPass® ATMs.
3 No fee from Cardinal Bank. Other charges including wireless carrier text messaging and web access fees may apply.
4 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.