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| Personal Accounts |
Simply Checking
Minimum Opening Balance: $100.00
Minimum Daily Balance to Avoid Monthly Fee: $0.00
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Monthly Fee No Charge |
Student Checking
Minimum Opening Balance: $50.00
Minimum Daily Balance to Avoid Monthly Fee: $0.00
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Monthly Fee No Charge |
First Choice Checking
Minimum Opening Balance: $100.00
Minimum Daily Balance to Avoid Monthly Fee: $5,000.00
Minimum Balance to Earn Premium (Tier 1) Interest Rate: One direct deposit
or 10 debit card transactions per statement cycle
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Monthly Fee $15.00 |
Chairman’s Club Checking
Minimum Opening Balance: $1,000.00
Minimum Daily Balance to Avoid Monthly Fee: $1,000.00
Minimum Balance to Earn Premium Interest Rate:
$1,000.00
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Monthly Fee $20.00 |
President’s Club Checking
Minimum Opening Balance: $100.00
Minimum Daily Balance to Avoid Monthly Fee:
$20,000.00 in combined Cardinal accounts
Minimum Balance to Earn Market Interest: $2,500.00
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Monthly Fee $25.00 |
Interest Checking
Minimum Opening Balance: $100.00
Minimum Daily Balance to Avoid Monthly Fee: $1,000.00
Or $5,000 in a linked Money Market or
Statement Savings account
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Monthly Fee $10.00 |
Golden 55 Checking
Minimum Opening Balance: $50.00
Minimum Daily Balance to Avoid Monthly Fee: $0.00
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Monthly Fee No Charge |
Simply Savings + **
Minimum Opening Balance: $100.00
Minimum Daily Balance to Avoid Fee: $100.00
$5.00 per withdrawal after the first 3 per month
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Monthly Fee $3.00 |
Statement Savings **
Minimum Opening Balance: $100.00
Minimum Daily Balance to Avoid Monthly Fee: $100.00
$2.00 per withdrawal after the first 3 per month
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Monthly Fee $3.00 |
Kid’s Club Savings **
Minimum Opening Balance: $10.00
Minimum Daily Balance to Avoid Monthly Fee: $0.00
Account holders must be aged 17 and younger.
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Monthly Fee No Charge |
| Money Market Savings
Minimum Opening Balance: $2,500.00
Minimum Daily Balance to Avoid Monthly Fee: $2,500.00
Minimum Balance to Earn Market Interest: $2,500.00
$10.00 per withdrawal in excess of the legal limit **
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Monthly Fee $10.00 |
Monster Money Market †
Minimum Opening Balance: $25,000.00
Minimum Daily Balance to Avoid Monthly Fee: $25,000.00
Minimum Balance to Earn Market Interest Rate:$25,000.00
$10.00 per withdrawal in excess of the legal limit **
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Monthly Fee $10.00 |
+ In combination with any Checking, Visa® Checkcard and Online Banking & Bill Pay.
** Federal regulations limit third-party or pre-authorized transfers to six per month.
† In combination with a new checking account. |
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| Business Accounts |
Free Business Checking
Minimum Opening Balance: $100.00
Minimum Balance Required: $0.00
First 500 Items: No Charge
Over 500 Items: $0.25 each
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Monthly Fee
No Charge |
Chairman’s Club Checking
Minimum Opening Balance: $1,000.00
Minimum Daily Balance to Avoid Monthly Fee: $2,500.001
Over 250 Items: $0.25 each
Minimum Balance to Earn Premium Interest Rate: $1,000.00
1Effective March 1, 2010
| Monthly Fee $20.001 |
Commercial Checking *
Minimum Opening Balance: $100.00
Checks Paid: $0.15/each
Deposits: $0.30/each
Deposited Items: $0.10/each
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Monthly Fee
$12.00 |
Business Interest Checking
Minimum Opening Balance: $100.00
Minimum Balance to Avoid Monthly Fee: $1,500.00
Over 250 Items: $0.25 each
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Monthly Fee
$12.00 |
IOLTA
Minimum Opening Balance: $100.00
Minimum Daily Balance to Avoid Monthly Fee: $1,000.00
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Monthly Fee
$12.00 |
Business Savings **
Minimum Opening Balance: $100.00
Minimum Daily Balance to Avoid Monthly Fee: $100.00
$2.00 per withdrawal after the first 3 per month
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Monthly Fee
$3.00 |
Business Money Market Savings
Minimum Opening Balance: $2,500.00
Minimum Daily Balance to Avoid Monthly Fee: $2,500.00
$10.00 per withdrawal in excess of the legal limit **
Minimum Balance to Earn Interest: $2,500.00
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Monthly Fee
$10.00 |
Business Simply Savings + **
Minimum Opening Balance: $100.00
Minimum Daily Balance to Avoid Fee: $100.00
$5.00 per withdrawal after the first 3 per month
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Monthly Fee
$3.00 |
Business Monster Money Market
Minimum Opening Balance: $25,000.00
Minimum Daily Balance to Avoid Monthly Fee: $25,000.00
Minimum Balance to Earn Market Interest Rate: $25,000.00
$10.00 per withdrawal in excess of the legal limit **
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Monthly Fee
$10.00 |
+ In combination with any Checking, Visa® CheckCard and Online Banking & Bill Pay.
* All Commercial Account services may be paid for by maintaining sufficient non-interest bearing deposit balance to cover the amount of the charges.
** Federal regulations limit third-party or pre-authorized transfers to six per month.
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| Personal Online Banking |
Personal Online Banking & Bill Pay
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No Charge |
| Business Online Banking * |
Business Online Banking & Bill Pay
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No Charge |
| Mobile Banking ~ |
No Charge |
~Service requires mobile Internet access from your cellular phone, PDA or other wireless device. This service is available across most of the major wireless carriers.
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| Electronic Banking |
ATM Transactions
Cardinal ATMs
Non-Cardinal ATMs (Surcharge may apply. No ATM surcharge fee using NYCE SUM®, MoneyPass® or InterCept® ATMs)
POS fee for ATM Card Use (per purchase)
ATM/ Visa® CheckCard Replacement
Expedited Card or PIN Replacement (2-day)
Emergency Card or PIN Replacement (Overnight)
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No Charge
No Charge
No Charge
$5.00
$25.00
$70.00
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| Account Services * |
Account Research
Per Hour ($50 Minimum)
Per Page
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$50.00
$0.25 |
Non-Sufficient Funds/Overdraft
Per Item
Overdraft Amount of $10.00 or less
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$34.00
No
Fee |
Daily Overdraft Fee
Each day account has a negative balance
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$5.00 |
Overdraft Protection (Safeguard Line of Credit)
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Per transfer from Line of Credit
Per transfer from savings account
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$5.00
$5.00 |
Cashed Item Chargeback
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$10.00 |
Deposited Item Chargeback
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$10.00 |
Collection Items
Domestic
Foreign (plus any correspondent bank fees)
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$10.00
$35.00 |
Deposit Verification
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$15.00 |
Stop Payment ***
Account Holders Only
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$30.00 |
Account Closing
Within 6 months of opening
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$25.00 |
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| Other Service Fees |
Cashier’s Check ***
Account Holders Only
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$8.00 |
Bond Redemption
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$20.00 |
Bond Coupon Collection
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$10.00 |
Currency, per strap
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$0.50 |
Rolled Coin
Per Roll
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$0.10 |
Money Room/Armored Car Pick-Up
Per Pick-Up
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Ask For Details |
Mobile Messenger Service
Set-up Fee (includes two locked bags)
Per Trip
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$50.00
$12.00 |
Night Deposit Drop
Processing Per Bag
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$2.00 |
Garnishments, Levies and Liens
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$100.00 |
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| Statements & Checks |
Duplicate Statement
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$7.00 |
Duplicate Check Image
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$7.00 |
Undeliverable Statement (per month)
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$2.00 |
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| Travelers Checks |
| Single Signature *** |
2% |
| Dual Signature |
3% |
Gift
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$2.00 |
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| Wire Transfers—Domestic |
| Incoming |
No Charge |
Outgoing
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$20.00 |
| Wire Transfers—International |
| Incoming |
$15.00 |
Outgoing
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$45.00 |
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| Safe Deposit Box |
Annual Rent |
| 2x5 |
$30.00 |
| 3x5 *** |
$45.00 |
| 3x10 |
$75.00 |
| 5x5 |
$65.00 |
| 5x10 |
$90.00 |
| 10x10 |
$155.00 |
Not all sizes are available at every location.
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Online Banking, Mobile Banking, and Telephone Banking at Cardinal give you 24/7 access to
your account. And, you can open new accounts or find out more about our locations and hours.
Complete banking information is just a click or call away.
Just call our Customer Care Contact Center at 703.246.7333 or 800.473.3247.
*** Free for Chairman's Club and President's Club Checking Account holders.
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