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Update on the Cardinal Bank Merger with United Bank

Cardinal Financial Corporation, parent company of Cardinal Bank, will merge with United Bankshares, Inc., parent company of United Bank, on April 21, 2017, pending shareholder and regulatory approval.

We are excited about combining our two companies and would like to provide you with details on what you can expect from this transition. Our goal is to make this process as smooth as possible for every Cardinal Bank client and ensure that you receive ample information regarding any upcoming changes that will occur as part of this process.


If the proposed date of the merger is delayed, we will provide updates to you in a letter and on our website with a revised timeline of key dates.

What You Can Expect

With the United Bank merger, we are delighted to be able to provide you with:

  • The same level of top-notch personal service you have come to expect from Cardinal and deserve as a valued client.
  • An expanded number of convenient banking locations and ATMs including over 80 branches throughout Virginia, Maryland and Washington, D.C.
  • A full range of competitive products and services to meet your personal and business banking needs, including expedited bill pay through Online Banking and new payment capabilities with Android Pay™ and Samsung Pay®.
  • The same great mortgage assistance for home purchases or refinances through George Mason Mortgage, LLC.
  • The continued level of commitment to our local communities.  

Important Merger Information

Please be on the look-out for the Customer Factbook, arriving the week of March 20, 2017. The Factbook will include details, such as:

  • A conversion timeline so that you know what’s happening and when.
  • How your accounts will change.
  • How to log in to United Online Banking.
  • How to log in to United Business eBanking (for Cash Management Online clients).
  • How to access Remote Deposit Capture (Cardinal's Deposit on Demand for businesses).
  • A sample statement.
  • And more.

You may also receive an additional letter designed to inform you of any changes that are unique to your relationship.

United Bank Welcome Page

For more information, visit the United Bank welcome page.  The welcome page provides additional information, such as:

  • Business eBanking Guide (for Cash Management Online clients).
  • Quicken and QuickBooks Conversion Guides.
  • FinanceWorksTM instructions.


Please call our Customer Care Contact Center at 703.584.3400 or 800.473.3247, option 2. Our representatives are available to assist you Monday-Friday, 8 am to 6 pm and Saturday 8 am to 1 pm.