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FAQ

FAQ Categories

General Banking

Investor Relations

Personal Banking - General

CDARS FAQs

Cardinal CashBack Rewards FAQs

Manage Accounts

Bill Pay and eBills

Security

Other Features

Mobile Web Banking FAQs

Mobile App Banking FAQs

Mobile Text Banking FAQs

Telephone Banking

Remote Deposit FAQs

FDIC/EDIE FAQs

FinanceWorks

Trusteer Rapport

First Choice Checking

Online Account Opening

Online Banking and Mobile Banking Upgrade September 2013

Mobile Deposit

Business Bank Customer FAQs

Virginia Heritage Bank Gainesville Ofifice

Transfer Funds

Pay Other People

Business Credit Card with ScoreCard Rewards FAQs

Apple Pay

SmartWatch Banking

Security FAQs

Card Fraud Alerts

Cardinal Purchase Alerts

Questions And Answers

General Banking

How do I set up Direct Deposit of my payroll check?

After your Cardinal Bank checking application has been approved, you will receive Cardinal Bank's routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.

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What is the maximum amount of FDIC insurance per depositor?

Effective May 20, 2009, deposits at FDIC-insured institutions are insured up to at least $250,000 per depositor through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except for IRAs and other certain retirement accounts which will remain at $250,000 per depositor. (This supersedes the October 3, 2008 changes.) 

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What information is needed for wire transfers?

If you anticipate receiving a wire transfer into your Cardinal Bank account you will need to provide the sender (originator of the wire) with the following information.  Incorrect or incomplete information may result in a delay in processing the Wire Transfer.

Incoming Domestic Wire

For an incoming Domestic Wire, please have the sender provide the following recipient information to his/her financial institution:

Beneficiary Bank Name:

Cardinal Bank

Beneficiary Bank Address:

8270 Greensboro Drive

 

McLean, VA 22102

Beneficiary Bank

Routing/ Transit Number:

056008849

Customer/Business (Beneficiary) Account Number:

The account number of theCardinal Bank account to which the funds are being transferred.

Customer/Business (Beneficiary) Name:

Your name, or the name of your business, as it appears on the Cardinal Bank account you are designating to receive the transfer.

Incoming International Wire

Incoming International Wires require additional information, as the transfer is handled by a pass-thru bank to a Cardinal Bank Account, and then transferred to your account.  Cardinal Bank uses the Bank of New York as an intermediary institution when processing Incoming International Wires.

Pay Thru Bank Name

Bank of New York

Swift Code

IRVTUS3N

Beneficiary Bank Name:

Cardinal Bank

Beneficiary Bank Address:

8270 Greensboro Drive

 

McLean, VA 22102

Beneficiary Bank Account

Number: 

8900685131

Customer/Business (Beneficiary) Account Number:

The account number of the Cardinal Bank account to which the funds are being transferred.

Customer/Business (Beneficiary) Name:

Your name, or the name of your business, as it appears on the Cardinal Bank account you are designating to receive the transfer.

 

 

 

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Investor Relations

Where is Cardinal Financial Corporation's stock traded?

Cardinal Financial Corporation's stock is traded on the NASDAQ under the symbol CFNL.

For more detailed stock information, please visit our Stock Information page.

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Who are the Market Makers for Cardinal Financial Corporation's Stock?

To see a list of Market Makers and their contact information, please visit our Market Makers page.

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Personal Banking - General

Are Cardinal Bank deposit accounts FDIC insured?

Yes! Each depositor at Cardinal Bank is insured by the FDIC up to $250,000*. The FDIC insures all deposits at insured banks, including checking, NOW and savings accounts, money market deposit accounts, and certificates of deposit (CDs), up to the insurance limit. The FDIC does not insure the money you invest in stocks, bonds, mutual funds, life insurance policies, annuities, or municipal securities, even if you purchased these products from an insured bank. If you and your family have $250,000 or less in all of your deposit accounts at the same insured bank, you do not need to worry about your insurance coverage -- your deposits are fully insured. The FDIC provides separate insurance coverage for deposit accounts held in different categories of ownership. You may qualify for more than $250,000 in coverage at one insured bank if you own deposit accounts in different ownership categories*Effective May 20, 2009, deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except for IRAs and other certain retirement accounts which will remain at $250,000 per depositor. (This supersedes the October 3, 2008 changes.)  

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What is Cardinal Bank’s routing number?

Cardinal Bank’s routing number is 056008849.  Use the routing number when establishing automatic (ACH) payments or deposits, ordering checks and requesting international and domestic wires.  For additional questions, call our customer service department at 703-584-3400 or 1-800-473-3247.

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Can I transfer funds via wire transfers with my Cardinal Bank checking account?

Yes! Funds can be transferred to and from Cardinal Bank accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Call our customer service department at 703.584.3400 or 1.800.473.3247 for details.

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How do I set up Direct Deposit of my payroll check?

After your Cardinal Bank account is opened, you will receive Cardinal Bank's routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.

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How do I set up Direct Deposit of my Social Security check?

After your Cardinal Bank account is opened, you will receive Cardinal Bank's routing and transit number and your account number. You may contact us and have your Social Security Number and account information available to set up your direct deposit right over the phone.

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What products can I apply for online?

Our online application is available for opening a personal checking, savings, money market, CD, or IRA. Note that while you may use the online account application to submit your request, upon approval, you will need to come into a banking office to complete the process, including signing the signature card and funding your account.  You may also apply online for a consumer loan or line of credit.  Mortgage applications can be completed through our subsidiary, George Mason Mortgage.

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Can I open an account if I don't live in the United States? What if I live in the United States but am not a citizen yet?

At this time, we only accept applications from persons residing within the United States with valid U.S. tax identification numbers (Social Security Numbers). If you have questions, please call us at 703-584-3400 or contact us online.

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How do I make a deposit to my account from a remote location?

You can do most of your banking by using direct deposit, ATMs or ACH (Automated Clearing House) transactions. Cardinal Bank also offers a bank-by-mail service which allows you to mail non-recurring deposits. Contact us for details on the method that's best for you.

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What options do I have to access my account information?

Cardinal Bank offers a variety of options for accessing your account information. You may log in through Online Banking, Mobile Banking, Telephone Banking, call us at 703.584.3400 or visit one of our conveniently located banking offices. Businesses may access their account information through the same services. In addition, businesses may access and manage their accounts with Cash Management Online and CFO on the Go Mobile Banking.

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What information is needed for a wire transfer?

If you anticipate receiving a wire transfer into your Cardinal Bank account you will need to provide the sender (originator of the wire) with the following information.  Incorrect or incomplete information may result in a delay in processing the Wire Transfer.

Incoming Domestic Wire

For an incoming Domestic Wire, please have the sender provide the following recipient information to his/her financial institution:

Beneficiary Bank Name:

Cardinal Bank

Beneficiary Bank Address:

8270 Greensboro Drive

 

McLean, VA 22102

Beneficiary Bank

Routing/ Transit Number:

056008849

Customer/Business (Beneficiary) Account Number:

The account number of theCardinal Bank account to which the funds are being transferred.

Customer/Business (Beneficiary) Name:

Your name, or the name of your business, as it appears on the Cardinal Bank account you are designating to receive the transfer.

Incoming International Wire

Incoming International Wires require additional information, as the transfer is handled by a pass-thru bank to a Cardinal Bank Account, and then transferred to your account.  Cardinal Bank uses the Bank of New York as an intermediary institution when processing Incoming International Wires.

Pay Thru Bank Name

Bank of New York

Swift Code

IRVTUS3N

Beneficiary Bank Name:

Cardinal Bank

Beneficiary Bank Address:

8270 Greensboro Drive

 

McLean, VA 22102

Beneficiary Bank Account

Number: 

8900685131

Customer/Business (Beneficiary) Account Number:

The account number of the Cardinal Bank account to which the funds are being transferred.

Customer/Business (Beneficiary) Name:

Your name, or the name of your business, as it appears on the Cardinal Bank account you are designating to receive the transfer.

 

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CDARS FAQs

Why CDARS?

It’s one-stop shopping. With help from CDARS, you can access:

  • Safety – Your money can access multi-million dollar FDIC insurance coverage.
  • Convenience – You work directly with us. You earn one interest rate and receive one regular statement, and one year-end tax form.
  • Community Investment – The full value of your money can support lending opportunities in your local community.3
  • CD-Level Rates – Your money earns CD-level returns which may compare favorably with other investment alternatives, including Treasuries, corporate sweep accounts, and money market funds.

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How does CDARS work?

We are a member of a special network. When you place a large amount with us, we place your funds into CDs issued by other banks in the same network – in increments of less than the standard FDIC insurance maximum4 – so that both principal and interest are eligible for complete FDIC protection. As a result, you can receive coverage from many banks while working with just one.

These exchanges, which occur on a dollar-for-dollar basis, can bring the full amount of your original deposit back to our bank. As a result, we can make the full amount of your deposit available for community lending purposes.3

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What else should I know?

Now, you no longer have to spend time managing multiple bank relationships, administering various interest rates, organizing interest disbursements from various sources, or manually consolidating monthly statements. This reduces your administrative burden, especially during tax and financial reporting seasons. And with CDARS, you can eliminate the need to monitor changing collateral values – another time saving convenience.

Of course, your confidential account information remains protected. Ask us about how CDARS can work for you the next time you visit one of our branches, or email us for more information.

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Cardinal CashBack Rewards FAQs

What is Cardinal CashBack Rewards?

Cardinal CashBack Rewards lets you earn rewards by using your Cardinal Bank Visa® CheckCard to purchase merchandise and services. Through this program, you'll receive targeted offers through Online Banking or Mobile App Banking. There is no limit to the rewards you can earn. So, the more you use your Cardinal Bank Visa CheckCard, the more offers you can receive and the more rewards you can earn!

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How do I sign up for Cardinal CashBack Rewards?

Cardinal Bank Visa CheckCard customers are automatically enrolled in Cardinal CashBack Rewards.

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How do I earn rewards?

This rewards program is based on how you currently shop, so the offers you receive are relevant to you. The more you use your Cardinal Bank Visa CheckCard, the more chances you have to receive offers. Using technology based on your activity and our program, your transactions are matched with current merchant offers. To earn rewards, click or tap on an offer to see the details; this automatically loads the offer onto your CheckCard. Then shop at the specified retailer and pay using your Cardinal Bank Visa CheckCard to earn the reward.

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Do I need to use a coupon or code to earn rewards?

Typically, you do not need a coupon or code to redeem an offer. Each offer has different specifications regarding when and where you shop and how much you need to spend. Offers that require an online purchase are clearly specified and may include a redemption code. Please read offer details to determine how to redeem each offer.

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How do I redeem an offer?

To redeem the offer, simply click on it to see the details; this automatically loads the offer onto your Cardinal Bank Visa CheckCard. Then shop at the specified retailer and pay using your CheckCard to earn the reward. Each offer has different requirements regarding when and where to shop and how much you need to spend. Offers that require an online purchase are clearly specified and may include a redemption code. Please read the details to determine how to redeem each offer and start earning rewards.

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When do I receive the rewards for the offers I redeem?

Your rewards will typically be deposited to your account the month after you redeem the offer. Since we do not share your personal information with retailers, we cannot credit your account immediately at the time of purchase. For example, any rewards you redeem in the month of September typically will be credited to your account at the end of October. If you would like to see the offers you have redeemed or the total value of the offers you have redeemed, please visit the rewards summary page.

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Can I use another coupon or discount from this retailer with my offers?

Possibly.  Each offer has different specifications regarding when and where you shop and how much you need to spend. Offers that require an online purchase are clearly specified and may include a redemption code. Please read offer details to determine how to redeem each offer.

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Is Cardinal CashBack Rewards free?

Yes, this program is free! There is no cost associated with this program, making it easy for you to earn rewards. This new rewards program is just another benefit of using your Cardinal Bank Visa CheckCard.

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Where do I go to see offers?

You can find offers on the Online Banking home page, the Account History page or in the Rewards Summary page.  New offers will be labeled as "New Offers" until you click to activate them. Once clicked, the reward is "loaded onto" the associated CheckCard. All offers can be viewed by visiting the Rewards Summary page.  You also can view and activate offers in Cardinal Mobile App Banking - great for when you are on the go.

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How can I view all of my offers and/or how can I tell what offers I am supposed to be credited for?

To view all offers that you have redeemed, go to the rewards summary page in Online Banking. The rewards summary page contains all offers you have received, those you have redeemed and the specifics for each offer including the offer expiration dates.  When using Cardinal Mobile App Banking, simply tap on the "Earn Cash Back" button.  New offers, added offers and your cash back amounts will be displayed.

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If I return merchandise used to redeem an offer, do I keep my rewards?

Yes, you will keep any rewards earned.

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Manage Accounts

What type of accounts can I access in Online Banking?

You can access your Cardinal Bank deposit and loan accounts through Online Banking. When you enroll in FinanceWorksTM within Online Banking, you also will be able to view balances and transactions of accounts you own elsewhere. Learn more about FinanceWorks.

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How does Online Banking make banking convenient?

With anytime, anywhere access to your account information, Online Banking makes managing your finances easy and convenient.  Within the home page of Online Banking, you have a central hub to quickly and easily manage your common Online Banking tasks such as viewing recent transactions and current balances, making a transfer or bill payment, viewing where your money is going with FinanceWorks, and getting cash back with Cardinal CashBack Rewards.

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Can I schedule recurring transfers in Online Banking?

Yes.  Transferring funds through Online Banking is the quick and easy way to save!  You can schedule transfers to be made weekly, monthly, twice-monthly, quarterly, semi-annually or annually.  You have the option to set your Scheduled Transfers to end after a number of transfers that you designate, at a date you specify or to allow transfers to continue with no end date.  If you want to change your transfers, simply log in to Online Banking and go to Scheduled Transfers. From there, click on the "Edit" link to change your transfer amount, transfer frequency or end date.  You can also delete your scheduled transfers at any time. Log in to Online Banking and go to Scheduled Transfers. From there, click on the "Delete" link next to the transfer you wish to cancel.  You will receive an email notification that the transfer occurred.  Be sure to keep your email address current.

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Can I set-up alerts?

Yes.  You can set-up email alerts by logging in to Online Banking and clicking on the “Notifications” link.  Follow the instructions on the screen to establish your alerts.  Please be sure your email address is current.

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How do I enroll in e-Statements?

e-Statements are available for checking, savings and money market accounts.  To enroll in e-Statements, log in to Online Banking.  Click on the “Additional Services” link and follow the on-screen prompts.  Note that paper statements will be discontinued when you enroll in e-Statements.

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Can I place a stop payment request in Online Banking?

Yes.  To place a stop payment request, simply log in to Online Banking and click on the Stop Payment link.

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How long does a Stop Payment request last if made through Online Banking?

When you place a stop payment request in Online Banking, the stop payment request is valid for six months.  If you would like to extend that request, you may do so in writing or again through Online Banking.

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How much does a Stop Payment request cost?

The cost for a Stop Payment request is reflected on our Fee Schedule.

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Bill Pay and eBills

How do I enroll in bill pay?

You can enroll in bill pay when you register for Online Banking or at anytime thereafter.  If already registered, log in , click on the Bill Pay link and follow the on-screen instructions.

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What can I do in bill pay?

You can schedule one-time, future-dated and recurring bills within the bill pay feature.  You can enroll in e-Bills, cancel or modify payments, view payment history and create custom reports.  You  also can arrange for email alerts for bill arrivals, due dates, upcoming payments and reminders when a bill is due.

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What is an e-Bill?

An e-Bill is an electronic version of the bills you receive in the mail today.  Most payees provide the option to choose e-Bills.  You’ll see this option when you add a payee to bill pay.

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Can I create reports within bill pay?

Yes, when in the Bill Pay section of Online Banking, you will see a link to create reports.

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Security

I'm hesitant about banking online. Can other people see my account information?

Your account information is just as secure as it is at your physical brick and mortar bank. We've taken every step possible to be sure our system meets the latest security standards, including using the latest security encryption methods and software.

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How is Online Banking secure?

Online Banking uses the latest security encryption techniques as one layer of security on your accounts.  We also employ enhanced login security technology to identify you as the true "owner" of your accounts by recognizing not only your user name and password, but your computer as well. If we don't recognize your computer – for example, you've logged in from a public computer or one you haven't used before – we'll ask you for more information.  This may consist of a challenge question, a one-time passcode or a token code. 

But, the security of your accounts in Online Banking also requires measures from you.  Learn more about online protection and steps you can take to ensure your sessions are secure.

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I keep hearing a lot about encryption. What exactly is it, and why does it make everything more secure?

Encryption is basically a way to rewrite something in a code which can then be decoded later with the right key. The encryption we use employs a mathematical process for the key which is made up of a certain number of bits (hence, 128-bit encryption). The higher the number of bits, the better the encryption. While using our Online Banking System, all communication from you to the system and from the system to you is encrypted using a maximum of 128 bits. In other words, when you send information to the system, your browser encrypts it using a 128-bit key, then sends it to the system. The system then decodes the information you sent it using the key (which is predetermined when your Online Banking session is started) and processes it.

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I understand Trusteer Rapport is available as an added layer of security. What is Trusteer Rapport?

Trusteer Rapport is a security software solution that helps protect your online accounts by providing an additional layer of security to any anti-virus or security software you already use.  By protecting your Internet connection, Trusteer Rapport creates a tunnel for safe communication and to help block malicious attempts to access your accounts.  Learn more with our FAQs or view the video.  Or, Get Trusteer Rapport Now for Online Banking or for Cash Management Online.

To recap: 3 Reasons you should use Trusteer Rapport include

  • Provides an additional layer security
  • Takes only a few minutes to download and install
  • It's a free service Cardinal provides

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Other Features

Can I change my User ID and Password?

Yes.  You can change both of these in the User Options area.

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Can I nickname accounts?

Yes.  You can nickname your accounts in the User Options section of Online Banking.

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Can I change my email address?

Yes.  You can change your email address at any time in the User Options area.  We strongly suggest that you keep your email address current as that may be the primary way we communicate with you about changes in Online Banking and how we send you alerts.  You also may want to ensure that our emails do not get caught in your spam filter.

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What if I need help, can a customer service rep help me?

Yes.  We have a few options if you need assistance.  One is co-browse support.  Co-Browse Support gives you the option to share your browser window with a customer service representative in order to assist you with common Online Banking tasks – all within a secure environment  You’ll see a link for Co-Browse support in the upper right-hand corner of Online Banking.  Our representatives are also available at 703.584.3400 or 1.800.473.3247.

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Can I send secure messages to the Bank?

Yes.  When logged in to Online Banking, navigate to the Secure Messaging & FAQs section.

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Mobile Web Banking FAQs

What is Mobile Web Banking?

A service that enables you to access your account information, conduct transfers, and pay and manage your bill payments from any mobile device that has Web browsing capabilities and active data plan.

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What does Mobile Web Banking cost?

Mobile Web Banking from Cardinal Bank is FREE, but you are required to subscribe to a data plan through your wireless provider. You should check with your wireless provider if you aren’t sure whether additional fees might apply.

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Is Mobile Web Banking currently available to all customers?

Mobile Web Banking is available to all Online Banking customers that own mobile devices with Web browsing capabilities and who subscribe to a data plan through their wireless carrier.

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Will Mobile Web Banking work on my mobile phone?

Mobile Web Banking will work on any mobile device with Web browsing capabilities and an active data plan through a wireless carrier.

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Which mobile service providers support this service?

The service works on all major mobile providers in the U.S., including but not limited to

  • Alltel
  • AT&T
  • Cellular One (Dobson)
  • Nextel
  • Sprint
  • T‐Mobile
  • US Cellular
  • Verizon Wireless
  • Virgin Mobile

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How does Mobile Web Banking work?

From a mobile device with Web browsing capabilities and an active data plan, all you have to do is open a browser and enter Cardinal Bank’s URL www.gocardinal.net to access the Cardinal Bank mobile banking home page.

Enter your user ID and password – the same you use for Online Banking – and select the Log In button. No separate or different registration is required. Answer any additional security questions (if needed) then select the Continue button to access Mobile Web Banking. Once logged in, you can:

  • Access Your Accounts – the Mobile Web Banking experience is virtually the same as Online Banking, although on a smaller screen.
  • Pay Bills – you must first register and set up your payees / billers on a PC before utilizing bill payment through mobile banking.
  • Make Transfers – you must have more than one account on Online Banking for this functionality to be available on mobile banking.

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What other options are available on the log in page?

You will see links that provide branch and ATM locations, current interest rates (Deposits, CDs and Loans), as well as how to contact Cardinal Bank customer service.

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How many transactions can I see on my phone at a time?

When you select an account name link on the Accounts tab, up to 15 transactions display for the last 10 days ‐use the vertical scroll bar to see all of your transactions. If more than 15 transactions occurred during that time period, select the More History button to view the rest of your transactions.

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Can I see transactions for a different time period?

Yes, just use the Change Date Range 'to' and 'from' fields entering the date as mmddyyyy with no punctuation, then select the Go button to get the transactions.  Up to 60 days history will be available.

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Can I change accounts on the Transaction History page?

Yes, just locate the dropdown field below the Change Date Range fields, then select another account from the list. The display will refresh to show recent transactions for the new account.

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Where can I locate the transaction details?

Within the Transaction History page, just click the payee name to see the transaction details, including: Date, Amount, Type of Transaction, Reference #, Store name and ID.

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What different kinds of funds transfers are available?

On the Transfer tab you can enter an immediate transfer between your accounts using the Transfer Now feature. Or to schedule a future transfer, use the Schedule Transfer link.

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Can I see scheduled transfers on my phone?

Yes, just select the View Scheduled Transfers link on the Transfer tab to see up to 10 transfers scheduled over the next 30 days. If you have more than 10 transfers scheduled, just select the View More button.

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Can I change or remove a scheduled transfer?

Yes you can do both. On the Schedule Transfer page, scroll down and use the Edit Scheduled Transfer link to change the Amount, From Account, To Account or Date for any future-dated one‐time transfer. Or you can use the Delete Scheduled Transfer link to remove a future-dated one‐time transfer.

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Why can't I access the Bill Pay tab?

The Bill Pay tab is only enabled for customers who have signed up for Bill Pay within Online Banking on a personal computer and have set up one or more payees (people or companies you want to pay). When you are ready to make payments on your phone, selecting the Bill Pay tab will open the Make a Payment page.

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Can I register for Bill Pay on my phone?

Sorry, not at this time. You have to access Online Banking using a personal computer, find the Bill Pay button and enroll there.

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How do I make a payment using my phone?

Select the Bill Pay tab and review the Pay from account (to change it, select another account from the dropdown field and select the Change button). Then select a payee name link from the list and enter the Amount of the payment and the date to send / deliver the payment (as mmddyyyy) then select the Pay button. A confirmation message is then displayed; select OK (or Submit) to continue.

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Can I see pending payments?

Yes, just select the Pending Payments link on the Make a Payment page to see up to 10 pending payments closest to today's date. Use the vertical scroll bar to view all 10 payments or select the View More button to see additional payments.

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Can I remove a pending payment?

Yes, on the Pending Payments page, scroll to the payment you want to remove and select the Cancel link. Then confirm that you want to delete the payment.

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Can I change a pending payment?

Yes, on the Pending Payments page, scroll to the payment you want to change and select the Details link. On the Payment Details page select the Edit button. Then change the amount, payment date, pay from account or payment category as needed and save your changes.

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Can I see completed payments on my phone?

Yes, just select the Payment History button on the Make a Payment page. You will see the most recent 10 payments that have been made. Use the More History button to see additional payments, a maximum of 90 days in the past. The details provided include the payee name, payment date, amount and "From' account.

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How do I log out?

When you're ready to log out, just select the Log Out button at the top right of the page to exit Mobile Web Banking and return to the Login screen.

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Are my challenge question answers case sensitive?

No, your challenge answers are not case sensitive (e.g., Pine is the same as pine). However, they must be in the same format that was originally used (e.g. 1/2/10 is not the same as 01/02/2010 or Jan 2, 2010). Try to select answers that only you know and ones that you should be able to remember.

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Is a password needed for Mobile Web Banking?

Yes. From your mobile device, all you need to do is login to Mobile Web Banking the same as you would Online Banking, using the same log in information you do for Online Banking. No separate Mobile Web Banking sign-up is required.

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I have disconnected my mobile phone. Will my service continue to work?

For Mobile Web Banking to work, you must have a mobile device with Web browsing capabilities and an active data plan through a wireless carrier.

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I have a new mobile device and phone number. Will Mobile Web Banking work on it?

Yes. You can access Mobile Web Banking from any of your mobile devices, as long as the mobile device has Web browsing capabilities and an active data plan through a wireless carrier

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Is it safe to bank using the Mobile Web Banking service?

Yes. To protect your privacy, you are required to authenticate yourself, using the same information from Online Banking, on each individual mobile device. And all communication between your mobile device, wireless provider and the mobile banking server are encrypted. In addition, your passwords, answers to challenge questions and account information are never stored by the mobile device or in the Mobile Web Banking application.

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Is help available through my mobile device?

For help regarding Cardinal Bank’s Mobile Web Banking product, contact Cardinal Customer Service by phone at 703-584-3400 or 1-800-473-3247 or email at cardinalonline@cardinalbank.com.  For help regarding your mobile device and/or wireless Internet connectivity, contact your wireless provider.

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What does the 'Remember this phone' checkbox do?

Selecting the Remember this phone checkbox activates extra security for your phone so you don’t have to enter the security challenge questions when accessing Mobile Web Banking using that phone. You also have the option to Remove extra security from this phone, if needed, when you get inside Mobile Web Banking.

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My session timed out pretty quickly. Can I change the timeout value?

Five minutes is the only timeout option. For your security and protection, when there has been no account activity for five minutes, the session times out and displays the Mobile Web Banking log in page with a Session Expired message.

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Mobile App Banking FAQs

What is the Cardinal Bank Mobile Banking App?

The Cardinal Bank Mobile Banking App is a service that enables you to access your account information, transfer funds, and pay your bills (for eligible customers) from an iPhone®, iPad®, AndroidTM phone or tablet, or KindleTM Fire mobile device with Internet access from either a WIFI source or the 3G/EDGE networks.

 

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How does the Cardinal Bank Mobile App work?

First you must download our Mobile App from the iTunes App Store or Google Play. You can do this either from your mobile phone or computer. If you do access our App from your computer, the App will install on the mobile device the next time the phone is plugged it in to the computer.

Once you download the App, you log in with the same User ID and Password that you use for Online Banking. No separate or different registration is required. Once logged in, you can:

  • Access Your Accounts – you can view account balances and account history.
  • Pay Bills (for eligible users) – you must first register for the bill payment feature and set up your payees/billers on a computer before paying bills through Mobile App Banking.
  • Make Transfers – you must have more than one account on Online Banking for this functionality to be available on Mobile App Banking.
  • Find an ATM/Branch – you can use the App to locate the ATM or branch nearest your location.
  • Contact Us – you can contact us quickly right from the App.

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Is Cardinal Bank Mobile App currently available to all customers?

The Cardinal Bank Mobile App is currently available to all Online Banking customers who own an iPhone, iPod Touch or iPad device or an Android mobile device with access to 3G/EDGE or WIFI.

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Is it safe to bank using the Cardinal Bank Mobile App service?

Yes. To protect your privacy, you are required to authenticate yourself on each individual mobile device using the same information from Online Banking. All communication between your mobile device and the Mobile Banking server is encrypted. In addition, your password and account information are never stored on the mobile device.

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How many transactions can I see on my phone at a time?

When you select an account name on the Accounts tab, the last 30 days of transactions will be displayed. Scroll down to see all of your transactions. Select the View More Transactions button to view additional transactions going back to 60 days.

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What different kinds of funds transfers are available?

To do a funds transfer, you must have more than one account in online banking. On the Transfers tab, you can enter an immediate transfer between your accounts. However, you are not able to see scheduled transfers on your phone, nor can you change or remove a scheduled transfer this way.

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Why can't I access the Pay Bills tab?

The Pay Bills tab is only enabled for customers who have signed up for the bill payment feature within Online Banking on a personal computer. Once you have signed up, you may set up one or more payees (people or companies you want to pay) from your phone. Select the Pay Bills tab to view scheduled payments and make a new payment.

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Can I register for the bill payment feature on my phone?

Sorry, not at this time. Simply access Online Banking using a personal computer, click the Bill Pay button and enroll there.

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How do I make a payment using my phone?

First, select “Make a New Payment” from the Pay Bills tab. Next, select a payee name link from the list; enter the amount of the payment and the date to send/deliver the payment. Select the Schedule Payment button. A confirmation message is then displayed, select OK to continue.

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Can I see pending payments?

Yes, just select the Pay Bills tab to see a list of pending payments.

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Can I remove a pending payment?

Yes, you can remove a pending payment but you cannot change it. To remove a pending payment, go to the Pay Bills tab, select the payment you want to remove and select the Cancel Payment button. Then confirm that you want to cancel the payment.

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Can I see completed payments on my phone?

Yes. From the payee list, you can see the last payment associated with each payee.

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How do I log out?

When you're ready to log out, select the Log Out button at the top right of the page and you will exit the Cardinal Bank Mobile App. This will return you to the Login screen.

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Is a password needed for the Mobile App?

Yes. From your mobile device, you will need to log in to the Cardinal Bank Mobile App. This is the same as you would for Online Banking, using the same login information you do for Online Banking. No separate Mobile App sign‐up is required.

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I have disconnected my mobile phone. Will my service continue to work?

For the Cardinal Bank Mobile App to work, you must have a mobile device with access to the 3G/EDGE or WIFI networks.

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Is help available through my mobile device?

Click the Contact Us tab to find our support phone number at 703.584.3400 or 1.800.473.3247 and link to our email address of cardinalonline@cardinalbank.com.  For help regarding your mobile device and/or wireless Internet connectivity, contact your wireless provider.

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What does the 'Remember Me’ checkbox do?

Selecting the Remember Me checkbox gives the application permission to save your User Name so that you do not have to enter it each time you attempt to log in. This information is masked and stored securely to keep your information safe.

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My session timed out pretty quickly. Can I change the timeout value?

Ten minutes is the only timeout option. For your security and protection, when there has been no account activity for ten minutes, the session times out and the Cardinal Bank Mobile App login page displays with a Session Expired message.

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I have an Android phone and want to see the Privacy Policy. However, when I clicked on the Privacy Policy link, it did not display. How do I view it?

I have an Android phone and want to see the Privacy Policy. However, when I clicked on the Privacy Policy link, it did not display. How do I view it?
If you use an Android device and click on our Privacy Policy, you will find the Privacy Policy under My Files or your notifications.  

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Can I make a deposit with Cardinal Mobile App Banking?

Yes.  You can make a deposit using your iPhone, iPad, or Android phone.  See our mobile deposit FAQs for more information.

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Will the App notify me of balance alerts?

Yes, however, you must first log in to Online Banking and create your balance alerts in the Settings tab. You can enable these alerts in the App by turning on the Push Notification Setting. This will allow you to recieve balance alerts without having to sign in to the App. 

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Can I use my fingerprint to login?

Yes, Touch IDTM is available for AppleTM customers and Fingerprint ID is available for AndroidTM customers. 

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Mobile Text Banking FAQs

How do I enroll in Mobile Text Message Banking?

To enroll, log in to Online Banking and click on the “Mobile Banking & Alerts” link.  From there, follow the on-screen prompts to add your cellphone number.  We will send you a text with a one-time activation code.  Enter this code in Online Banking to activate your phone.

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How secure is Text Message Banking?

Our Text Message Banking service is secure and enrollment is completed behind the login of Online Banking. Text messages will never contain confidential information about you or your accounts, and will never contain full account numbers.

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Will I be charged for Text Message Banking?

We won’t charge you, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you have questions about any text message rates that may apply.

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Will Text Message Banking work on my phone?

Yes, as long as you have text messaging enabled with your mobile carrier it will work on your cellphone.  Please check with your mobile carrier if you are unsure.

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Which carriers do you support?

Our Text Message Banking service works on all major mobile providers in the U.S. The following lists some, but not all, of the carriers that support this service:

  • AT&T
  • Alltel
  • Cellular One (Dobson)
  • Nextel
  • Sprint
  • T-Mobile
  • Unicel
  • US Cellular
  • Verizon Wireless
  • nTelos

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How do I deactivate the Text Message Banking service?

You can text STOP to us on your activated cellphone, or you can return to the mobile banking page and click the Deactivate link next to your mobile device number. Your phone will no longer receive any text messages from us via Text Message Banking.  You can add a new mobile phone at any time if you change your mind later.

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Why do I need to verify my phone?

Verifying your phone is a one‐time step and is one way we ensure the security of mobile text messaging.

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Where do I find my activation code?

During setup we will send you a text message with your activation code. If you have already submitted your mobile number during setup, please check your mobile device now. You should receive a text message with your activation code within a few minutes.

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Can I come back later to enter my activation code?

Yes you can.  If you experience difficulties, we recommend that you go through the setup process again to obtain a new code.

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I still have not received my code, what do I do?

It might take several minutes to receive your code. If you feel you have waited long enough, you can click the Resend it link. Please check your mobile device shortly for a new text message. If you are still experiencing problems, be sure you entered in the correct mobile number during setup.

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What is a primary text banking account?

Your primary account is the default account that we will use when you text BAL to us with the short code. You should select the one you will likely want to check most often. You can get all account balances by texting BAL ALL to the short code.  The primary account is also the account that funds can be transferred into when you use the TRANS (transfer) function.

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Can I get the balances of my other accounts?

Yes. When you text BAL ALL to the short code, we will reply with a message containing the balances of all your checking, savings and any other accounts.

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Can I change the primary account selection later?

Yes. Simply return to the mobile banking page and select another account from the primary text banking account drop-down list.

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What commands or keywords can be used?

Use any of the following commands/keywords:

  • BAL = Primary account balance
  • BAL ALL = All account balances
  • BAL CHK = Checking account balances
  • BAL SAV = Savings account balances
  • LAST = Last five transactions
  • TRANS $$$ = Transfer specified fund amount to primary account (for example, to transfer $100, type in the command TRANS 100)
  • STOP = Deactivate service
  • HELP = Help on keywords

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Are commands/keywords case sensitive?

No, keywords are not case sensitive.  For example, you can type help or HELP.

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What is the number I should use to send the keywords?

The short code is 454545.  This short code will only work if you have activated the Text Message Banking Service.

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How long does it take to get a text message?

You'll receive a text message response within a minute. Exact timing will depend on your mobile service carrier.

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Is there any password needed for Text Message Banking?

You do not need a password to access your account information via text message.

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I have a new mobile phone number. Can I change or add my number online?

Yes. You first need to deactivate your previous cellphone number within the mobile banking page, or text STOP to us.  Then click Activate on the mobile banking page and set up the new cellphone number.

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Is it possible to stop the weekly account balance notifications?

Yes.  Just go to the mobile banking page and click the weekly account balance notifications check box to deselect it, and then save your changes.

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Can I get a text alert when my primary account balance falls below a certain amount?

Yes.  First, go to the mobile banking page, select the low balance alert checkbox and select a dollar amount from the drop-down field (e.g., $200).  Thereafter, you will receive a low-balance alert text whenever your primary account balance falls below this specified dollar amount.

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Can I transfer funds into my primary account using my mobile phone?

Yes, if you have selected a transfer source account on the mobile banking page.  Then, for example, texting TRANS 400 to the short code will transfer $400 to your primary account from the transfer source account. You will then receive a confirmation message with updated account balances for both accounts.  Please be aware that you can only transfer funds into your primary account.

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I share a joint account. Can I set up two mobile phones for the same primary account?

Yes.  After you set up the first number, you can select the Activate another phone link on the mobile banking page and then complete the simple two-step process.

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Telephone Banking

Can I call Cardinal Bank with questions on my account?

With Cardinal Telephone Banking, you can make inquiries on your account balances, transactions and transfer money between your deposit accounts. A Customer Service Representative is also available to assist you between 8:00 a.m. and 6:00 p.m. ET Monday through Friday and between 9:00 a.m. and 1:00 p.m. ET on Saturday.

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Can I bank using Automated Telephone Banking?

You can also access information on all your Cardinal Bank accounts any time of day by calling our automated customer service line at 703.584.3400 or 1.800.473.3247. Be sure to have your account number(s) handy when you call.

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How does Automated Telephone Banking work?

To access Automated Telephone Banking, simply call 703.584.3400 or 800.473.3247 and choose option 1 to access your account information through Automated Telephone Banking. Simply follow the system prompts for checking and savings accounts, loans and lines of credit, to transfer funds or make loan payments. 

Your Social Security Number (or Tax ID Number) and PIN are all you need in order to access your account information. 

If you would like to speak to a representative, simply enter 0 between 8:00 a.m. and 6:00 p.m. Monday through Friday and Saturday between 9:00 a.m. and 1:00 p.m. ET  and a Customer Service Representative will be happy to assist you.

 

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Remote Deposit FAQs

What is Deposit on Demand?

Deposit on Demand, or remote deposit, is the electronic deposit of checks made directly to your corporate bank account. The Deposit on Demand service is available for business accounts only. Any type of check drawn on a US Bank in US Dollars can be deposited through the Deposit on Demand Service. Signing up for Deposit on Demand Service is easy; contact a banking center near you or the Cash Management Services Department at 703.584.6005 or cmcs@cardinalbank.com.

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What are the benefits of using Deposit on Demand?

With Deposit on Demand, you don't have to visit a branch to make a deposit. You have the flexibility to make deposits when it is convenient for you with an extended deposit time of 5:00 p.m. daily. You also get the benefit of viewing images of your deposited checks.

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Can I still bring a deposit to the bank?

Yes.

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How does Deposit on Demand work?

Follow these three steps to make electronic deposits to your account:

  • Capture: Scan batches of checks into the system for deposit
  • Complete: Review the batch for accuracy
  • Approval: An authorized user approves the batch for deposit

The check images are sent electronically to the bank for deposit into your account.

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Can I expect every check to scan accurately?

Check sizes, colors and designs vary so there can be an impact on the readability of the check.

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How is the check endorsed?

The scanner will place an endorsement on the back of the check.

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What should I do with the checks after they are scanned?

Store the scanned checks in a secure location for 60 days. After 60 days, the checks should be shredded.

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Is there any special hardware or software required?

Yes. A special scanner is required and will be provided by the bank at no cost to you. Installation of the scanner can be performed by your IT personnel or by Cardinal's IT personnel with support from your IT personnel.

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How much time does it take to install the hardware and software?

Installation may take up to 30 minutes depending on your Network architecture security, web browser and internet speed.

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How is the scanner used?

The scanner is used for scanning and endorsing the checks for deposit. Up to 70 checks can be placed in the scanner at one time. For improved efficiency, we recommend separating the checks by size (business from personal checks) before placing the checks in the scanner.

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Does the scanner have to be connected to a PC?

Yes. The scanner connects into the USB port of a PC, similar to how a printer is connected.

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What are the system requirements?

Deposit on Demand is a web based solution that is secure and encrypted. The certified scanner (Panini MyVisionX-Duplex 30, 60, 90 DPM with Ranger API) attaches to your PC via a USB Port.
The minimum operating requirements are:
Workstation: 933 MHZ, 256RAM, 8MB-Video, USB 2.0 port
Operating System: Windows or Vista; Mac OS X 10.6 and above
Browser: MS Explorer versions 5.5, 6.0, and 7.0 or the latest version of Firefox
Java Plug-in: Java Runtime Environment (JRE) 6u10 or higher
Internet Connectivity: Broadband or DSL

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Will I receive documentation and materials prior to installation?

Yes, you will receive a “Welcome Package” which will include the Workstation requirements to be forwarded to your IT support personnel to prepare for the installation.

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Is there a limit as to the number of deposits and transmissions I can make?

There is no limit.

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I have multiple locations; can each location use the same scanner?

No, each location will need a separate scanner. If all checks can be processed from a central location, only one scanner will be required.

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What is the fee for the service?

There is a monthly service charge and a per item fee that can be offset by balances held in a commercial analysis account. Your Cash Management representative will discuss any fee in detail with you.

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How many accounts can be added to the Deposit on Demand Service?

There is no limit as to the number of accounts that can be added to the service.

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FDIC/EDIE FAQs

What Is the FDIC?

The FDIC – short for the Federal Deposit Insurance Corporation – is an independent agency of the United States government. The FDIC protects you against the loss of your deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government. The term "insured bank" is used on this website to mean any bank or savings association with FDIC insurance.

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Why Is FDIC Insurance Important to You?

All FDIC-insured banks must meet high standards for financial strength and stability. The FDIC, with other federal and state regulatory agencies, regularly reviews the operations of insured banks to ensure these standards are met. Even with these safeguards, some insured banks fail. If your insured bank fails, FDIC insurance will cover your deposits, dollar for dollar, including principal and any accrued interest, up to the insurance limit.

Historically, insured deposits are available to customers of a failed bank within just a few days. Since the start of the FDIC in 1933, no depositor has ever lost a penny of insured deposits.

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What Does the FDIC Insure?

The FDIC insures all deposits at insured banks, including checking, NOW and savings accounts, money market deposit accounts, and certificates of deposit (CDs), up to the insurance limit.

The FDIC does not insure the money you invest in stocks, bonds, mutual funds, life insurance policies, annuities, or municipal securities, even if you purchased these products from an insured bank.

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What is the Basic Insurance Amount Is $250,000

The basic insurance amount is $250,000 per depositor per insured bank.

If you and your family have $250,000 or less in all of your deposit accounts at the same insured bank, you do not need to worry about your insurance coverage -- your deposits are fully insured.

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Is there additional coverage over $250,000?

The FDIC provides separate insurance coverage for deposit accounts held in different categories of ownership. You may qualify for more than $250,000 in coverage at one insured bank if you own deposit accounts in different ownership categories.

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Does the FDIC Deposit Insurance Cover Non-Interest-Bearing Deposit Transaction Accounts?

The FDIC will provide full deposit insurance coverage for non-interest bearing deposit transaction accounts, regardless of dollar amount.

As you know, we participated in the Federal Deposit Insurance Corporation’s (FDIC) Transaction Account Guarantee Program (TAGP). That program ended on December 31, 2010.

In 2010, the Dodd-Frank Wall Street Reform and Consumer Protection Act was signed into law. That law provides for a rule (the Dodd-Frank rule) similar to the TAGP. Under the Dodd-Frank rule, all funds in “noninterest-bearing transaction accounts” will be insured in full by the FDIC from December 31, 2010 through December 31, 2012. An example of a “transaction account” is a traditional checking account.  A subsequent amendment extended full coverage to Interest on Lawyers Trust Accounts (IOLTAs) for the same period.

Importantly, the Dodd-Frank rule is different from the TAGP. With the exception of IOLTAs, the Dodd-Frank rule does not cover any transaction account that may earn interest, such as a NOW account or money market deposit account, even if checks may be drawn on the account. Beginning January 1, 2013, such accounts no longer will be eligible for unlimited protection, but instead will be insured under the general insurance rules up to the Standard Maximum Deposit Insurance Amount of $250,000.

 

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FinanceWorks

What is the purpose of the search box in the Accounts area on the upper left hand side of my screen? I see my Cardinal Bank accounts listed here. What other accounts can I add?

FinanceWorks maintains links with many other financial institutions in the United States. If you have accounts at any of these participating financial institutions, you can add them here. Start by typing your other financial institution's name in the search box, and a wizard will walk you through the process.  

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How much account history is stored?

The number of days history will vary by financial institution. Generally, up to 90 days of history are immediately

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Can I add accounts at investment firms?

Yes, there are some firms that you can add. Please note that with investment accounts, you won't be able to see every detail of your holdings in each security; you can only track some limited transactions and your balances.

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My account information doesn't seem to be updating automatically. Why not?

FinanceWorks will refresh your account information automatically. You may also click on the "Refresh" button on the top of the page.

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I changed my Online Banking password at my other bank/credit union. Do I need to change it in FinanceWorks?

Yes, you must change your Online Banking password for each account held at the bank/credit union that you view in FinanceWorks. If you don't, FinanceWorks can't refresh that account information. Go to each applicable account and click on the "Change Sign-in Information" link.

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How does FinanceWorks handle Multifactor Authentication (MFA) at my other financial institution?

FinanceWorks will request the MFA required by your other financial institution. This may be an answer to a challenge/secret question, entering a passcode provided by your institution or other MFA required element.

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How often is my account information from other financial institutions updated?

FinanceWorks obtains transactions nightly. The exact time varies daily.

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I see that my account information from my other financial institutions is not displaying my transactions from today in FinanceWorks. How do I view my most current transactions (from today)?

If you want to view transactions from today, click on "Refresh this Account". All your accounts at that financial institution accessible by the same sign-in information will be updated at the same time. You can also click the Refresh button on the Home page (under Accounts) to manually refresh all accounts.

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Why are there transactions on my institution's website that aren't in FinanceWorks yet?

There can be a one-day delay, depending on when your credit union/bank makes transactions available.

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I see the Reminder section – can I pay my bills through FinanceWorks?

Yes, click on the Make Payments link under Other Tools to access Bill Pay. The Reminder section in FinanceWorks is a great way to remind you to set up or pay those bills! This list builds based on past transactions. You can delete reminders for payments that FinanceWorks thought were regular payments. And you can add your own bill reminders.

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How does FinanceWorks select the categories to display when I first click the Goals tab?

FinanceWorks selects your four most active categories. Any categories that are for fixed expenses, like Rent, are not selected. You can add and delete any categories you wish.

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How is the average calculated?

FinanceWorks goes back three months from today's date, then starts at the first of that first month. It adds up spending for that category, then divides by the number of months that actually had activity. "Target" would be a better way to think of this.

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What do the colors mean on the graphs?

Black bar = today's date Gray bar = how much you've spent in relation to your budget Green bar = amount remaining to spend.

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Can you explain Projected Balance to me? Are my reminders included in it?

With Projected Balance, you can enter upcoming transactions to see what you'd have left in an account if expenses or deposits scheduled through today would clear your financial institution immediately. Because reminders are also part of Upcoming Transactions, they are included in Projected Balance.

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How is Projected Balance calculated? Can I edit it?

Projected Balance is calculated by taking your current balance and adding or subtracting any upcoming transactions you've entered. You can't edit it per se, but you can change it simply by adding transactions.

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How do I remove a duplicate transaction?

Click on the transaction you want to delete within the list of transactions for that account, then click the Delete link at the top of that table.

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I want to edit multiple transactions at once – I need to re-categorize all my past Home Depot transactions to be "lawn and garden" instead of "household".

First of all, remember that if you change one transaction now to "lawn and garden", all future expenses will be categorized the same. In addition, whenever you re-categorize a transaction, FinanceWorks asks if you want to re-categorize all past transactions to that payee.

To re-categorize multiple transactions at once, go to Trends, select your desired date range and check the boxes for the desired accounts. Below the pie chart, click the View by Payee radio button. In the table, click the Payee that you want to re-categorize, and select the new category from the dropdown. Click anywhere else on the page and then answer the prompt to keep your changes.

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Can I download my transactions directly into Excel?

Not directly. You download them first into .csv format, then import into Excel. When you use the download feature, it downloads all transactions in the selected date range, regardless of whether they've been previously downloaded.

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How is Net Worth Calculated?

It takes into account all your accounts (both at your host financial institution as well as accounts at other financial institutions that you've set up to display in FinanceWorks), plus any Properties you've entered, such as your car and house.

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Can you explain to me how to track my spending using the pie charts?

Yes, there are multiple pie charts you can look at. For instance, you can look at the spending for one account by going to that account and clicking the Pie Chart tab. However, it sounds like you want to track your spending across all accounts. On the Home tab, you'll see a pie chart for your spending in the period you selected. To drill down, click on the Trends tab at the top. This displays the same pie chart; however, in this view, you can click on a "piece" of the pie, then click View Transactions on the table below for that category and look at the details for that spending.

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How do I see a year's worth of data in my spending report?

How long have you been using FinanceWorks? If their answer is anything less than 9 months: When you first started using FinanceWorks, up to 90 days* of your account history displayed immediately. In order to get a year's worth of spending report data, you must use FinanceWorks for an additional nine months. Remember that some of the accounts you added at other financial institutions may not have started off with 90 days, so it may take longer to build up to a year's worth of data for them.

If their answer is anything greater than 9 months*: Go to the Trends tab. You can drag the start and finish dates of the adjustable bar across the top of the screen and set the start date to a year ago. A pre-set list of date options can also be chosen from the dropdown menu. Note to you: Depending on your Data Processing Vendor, your host accounts may have displayed less than 90 days of history when a consumer first started using FinanceWorks. So you'll want to adjust your answers according to your financial institution's amount of history.

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Can I add my own spending categories?

Yes. Simply click on the + Add link next to the word Category wherever you see it.

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I don't understand how the spending totals are calculated – Can you explain those to me?*

The totals are based on which accounts you have selected (check the boxes next to the desired accounts on the left hand side of the Home screen) and which timeframe you have chosen (use the slide bars across the top or choose a pre-set time from the dropdown menu).

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How does FinanceWorks help me with my taxes?

FinanceWorks helps you prepare for taxes in two ways. Tax Watch is available to you throughout the year, and a link to TurboTax Online Banking is available from December 15 to April 16.

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How does Tax Watch help me prepare for taxes?

Tax Watch by default displays your information on Charity/Donations and Childcare/Daycare, with all those transactions for this calendar year listed out already. You can add additional categories by clicking on the Find More tab. Keep in mind that the history in Tax Watch only goes back as far as your history in FinanceWorks. So if you started using FW partway through a tax year, the tax information in Tax Watch may be incomplete. Instructions at the bottom tell what you should and should not use this tool to track, mainly deductions for which you receive a tax form. Consult your tax advisor.

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This is the same as Quicken Online right? Why can't I see my Quicken Online information and history when I access my information through Online Banking?

You're right, it's essentially the same as Quicken Online, with some slight modifications for our . It sounds like you are already a Quicken Online consumer. The reason you can't see your Quicken Online information and history is because that information is stored on a separate server. So you need to make a decision: you can keep using Quicken Online and accessing it with a separate login and password. Or you can start using FinanceWorks through at no cost and without worry about a separate login.

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What are the recommended browsers?

The recommended browsers for FinanceWorks are: Internet Explorer 7.0 and 8.0, Firefox 1.0 and 2.x, and Safari 4.x. In addition, cookies should be enabled, java script should be enabled, pop-up blocker should be disabled, Adobe Flash 9 should be allowed, and Adobe Acrobat Reader 6.x or higher should be used.

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I didn't log out of FinanceWorks, but when I try to view my accounts, I get a timeout error. Why?

FinanceWorks times out after 20 minutes of inactivity. Remember it's a single sign-on product through , so if you've gone back to your session and are working there, you will time out of FinanceWorks after 20 minutes. One thing to be aware of: When you log out of Internet Banking, the browser window that displays FinanceWorks does not close until that 20 minutes of inactivity mark has been reached. So someone else can view the information displayed in that window, which may be a concern on a public computer. However, if that person tries to do anything or navigate anywhere else within your FinanceWorks session, they will not be able to because the session itself was ended when you logged out of Internet Banking. Of course, you can close the FinanceWorks window yourself.

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I don't want to use FinanceWorks anymore. Can I unenroll myself?

Yes you should, because then FinanceWorks will stop trying to aggregate your information from all your financial institutions. Log into FinanceWorks and click the Settings link in the upper right. You can unenroll yourself from this screen.

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Trusteer Rapport

How much does it cost?

Cardinal Bank is pleased to provide Trusteer Rapport free of charge to our Online Banking and Cash Management Online customers.   

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If I install Trusteer Rapport, will I no longer need to use anti-virus or anti-spyware software?

No.  Trusteer Rapport is an additional tool to help protect your accounts online.  It is used in conjunction with your anti-virus, anti-malware and anti-spyware software programs.  When used together, you are further protecting both your computer and your browsing session from malicious attacks.   

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How does Trusteer Rapport work?

Once installed on your computer, Trusteer Rapport automatically provides a higher level of security during your Cardinal Bank Online Banking Session.  Trusteer Rapport also lets you manually apply Rapport's protection to other websites that you use in which you sign in and exchange sensitive information, such as your email or a retail shopping site.

When you connect to Cardinal Bank, Trusteer Rapport does three main things in the background to make it morel difficult for criminals to target you:

  1. Trusteer Rapport verifies that you are really connected to the genuine website as opposed to a fake website created by criminals.
  2. Once verification is complete, Trusteer Rapport locks down communication between your computer and the protected website. This prevents criminals from hijacking your online connection with the bank.
  3. Trusteer Rapport protects your computer and internet connection by creating a tunnel for safe communication, preventing criminals from using malware to steal your log-in data and tamper with financial transactions or information exchanges.

When you bank, trade, or shop online, Trusteer Rapport can significantly reduce your exposure to the growing threat of financial fraud and identity theft. 

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What are Trusteer Rapport's system requirements?

View Trusteer Rapport's system requirements and supported platforms list.  

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Does Trusteer Rapport Work with My Operating System and Browser?

Trusteer Rapport works with all major browsers including IE, Firefox, Safari, Chrome, both on Windows and Mac.

For Windows Operating Systems (Windows XP, Vista, 7, 8 or Server), Rapport supports the following browsers:

  • Internet Explorer 8, 9 and 10
  • Internet Explorer 11 on Windows 7, 8.1* and 10* (*desktop mode)
  • Firefox 42, 43, 44 (32bit)
  • Firefox ESR 38.2, 38.3, 38.4
  • Google Chrome 46,47, 48

For Mac OS X (Mountain Lion 10.8 and up), Trusteer Rapport supports:

  • Firefox 42, 43, 44
  • Firefox ESR 38.2, 38.3, 38.4
  • Safari 6.2, 7, 7.1, 8, 9

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Does Trusteer Rapport update automatically?

Yes, Trusteer Rapport automatically applies security and software updates. Security updates are applied immediately and software updates are applied after reboot when the operating system starts up.  It is a good practice to always reboot your computer after a software update. 

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How do I know Trusteer Rapport is running?

The Rapport system icon (   ) appears whenever Trusteer Rapport is running. If the icon does not appear, Trusteer Rapport may have been stopped or uninstalled. To start Trusteer Rapport, select Programs > Trusteer > Trusteer  Rapport > Start.  If the icon is gray, simply click on it and follow the on-screen prompts to activate Trusteer on that site. 

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Why doesn't the Trusteer Rapport icon appear in my browser?

If the Trusteer Rapport icon does not appear in your browser, there are three possible reasons:

  • You chose to hide the icon from the address bar. Trusteer Rapport is still protecting you but the icon is hidden. You can restore the icon.
  • Trusteer Rapport does not support your browser.
  • Trusteer Rapport has been stopped and is not running. You can start Trusteer Rapport again.

For more information, visit Trusteer Support.

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I have a problem. How do I get support?

Trusteer support is available 24/7 through the Live Support link on the  Trusteer website.

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Which attacks does Trusteer Rapport protect against?

Trusteer Rapport’s proprietary browser lockdown technology is designed to prevent unauthorized access to information that flows between customers and websites regardless of which specific malware issues the threat.  These techniques include redirection to a fraudulent website, server compromise, keylogging, session hijacking, and many other malicious attacks.  Since Trusteer is regularly and frequently updated, it is better able to respond to the most current version of any type of known attempt to fraudulently obtain personal information.   

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Does Trusteer Rapport store or send any information about me?

All information sent from your computer to Trusteer Rapport is anonymous and includes technical details, not private information. When Trusteer Rapport suspects that your personal information has been compromised, it sends us a warning which includes an identifier that allows us to associate the incident with your account. Trusteer Rapport does not retain this identifier or any other private information. 

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Does Trusteer Rapport also protect my identity when I log in to my web-based email account?

Yes, if you manually add Trusteer Rapport's protection to your email website.  

Once you have installed Trusteer Rapport,you should always use it to protect your web browser sessions with Cardinal Online Banking.  You can also use it during sessions with other websites that contain private or personal information, such as: 

  • Mutual fund accounts
  • Online brokerage accounts
  • Email (such as Hotmail, Yahoo! Mail, and Gmail)
  • Social networking sites (such as Facebook, MySpace, Orkut, and LinkedIn)
  • Insurance applications
  • Personal medical information websites
  • Online merchants (such as eBay, Amazon, Walmart.com, and Target.com)

Learn more.

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Is Trusteer Rapport hacker-proof?

Unfortunately, no security solution is completely hacker proof. Trusteer Rapport adds a very important and unique security layer that allows you to better protect your sensitive information and promptly react to threats aimed directly at you. However, security is a constant battle, and Trusteer Rapport, along with other security products and features, makes it harder for criminals to commit crime. 

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First Choice Checking

What if I can't get the direct deposit set-up for my account right away?

We understand it can take a while to get your payroll or other direct deposit established.  Therefore, we will give you a courtesy grace period of two statement cycles before imposing the conditional rate requirement.  That means that your balances up to $100,000 will receive the highest rate for the first two statement cycles whether or not you have one direct deposit or ten CheckCard purchases.  

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How do I avoid the monthly service charge?

Simply retain a minimum daily balance of $5,000 to avoid the monthly maintenance fee. Otherwise, your account will be charged $15.00.  We will give you 30 days from account opening before evaluating your account for the minimum daily balance requirement. This will give you time to bring your account balance up if you do not open the account with $5,000 or more.

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How long will the current APY be available for First Choice Checking? Is the rate quaranteed for a certain amount of time?

While we cannot quarantee our rates will never change, no formal end date to the offer has been set.

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Is there a minimum direct deposit amount required for the conditional rate component?

No. There is no minimum amount for the direct deposit amount. 

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How do I receive the ATM Surcharge Rebate?

We will automatically credit your account daily as surcharges occur, up to $15.00 per statement cycle. Rebate may be subject to tax reporting.

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Is First Choice Checking FDIC Insured?

Yes, First Choice Checking is insured to the maximum amount allowed. If you and your family have $250,000 or less in all of your deposit accounts at the same insured bank, you do not need to worry about your insurance coverage -- your deposits are fully insured.

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How can I take advantage for the maximum FDIC Insurance?

The standard deposit insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. This means that a bank customer who has multiple accounts may qualify for more than the $250,000 in insurance coverage if the customer's funds are deposited in different ownership categories and the requirements for each ownership category are met.

The requirements are:

  • All co-owners must be living people (not legal entities such as corporations, trusts, estates and partnerships).
  • All co-owners must have equal rights to withdraw deposits from the account.
  • All co-owners must sign the deposit account signature card unless the account is a CD or is established by an agent, nominee, guardian, custodian, executor ro conservator.

For more information, visit: http://fdic.gov/deposit/deposits/insured/ownership3.html

 

 

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can current customers convert and obtain the 0.76% APY for the First Choice Checking account if they deposit additonal new money and fulfill the requirements?

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Online Account Opening

What information will I need to open an account online with Cardinal Bank?

In order to open a Cardinal Bank account you must be at least 18 years old, a U.S. citizen or U.S. resident alien and reside within the markets that Cardinal Bank serves.

In order to complete the application process, you will need your Social Security Number, a valid form of identification (Driver's license, State ID, Military ID or U.S. Passport), previous home address (if you have lived at your current home address less than two years), and the routing number and account number of your checking or savings account from a U.S. bank that will be used to fund your new Cardinal Bank account.

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How long will it take to open my account?

 The application process usually takes about 10 minutes.

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Can I open an account online if I'm not a U.S. Citizen?

You can open an account online if you are a U.S. Citizen or U.S. Resident Alien with a valid U.S. Social Security Number or Taxpayer Identification Number.

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Why do you need my Social Security Number?

We ask for your Social Security number to help verify your identity and, if the account is interest bearing, because we must report interest earned on the account to the IRS using your Social Security Number.

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What information do I need to open a joint account?

You will need the same information that is required for an individual for your joint account holder.

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Is online account opening secure?

We use encryption technology providing a secure transmission of information.

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What type of accounts can I open online?

You can open personal checking, savings, and money market accounts online.  Accounts can be opened either as an individual or joint account.  Custodian relationships cannot be opened online.

If you would like to open a CD, IRA or Kid's Club Savings Account, please use our online form

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How many accounts can I open online at one time?

You may open as many accounts as you would like.  However, we limit the dollar amount you may use to open accounts online.

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How can I make my opening deposit?

If you are opening your account through Cardinal Online Banking, you will be able to fund your new account either by transferring funds from your existing Cardinal Bank account or via ACH from an account you own at another financial institution. If you choose to transfer funds from your existing Cardinal Bank account, the new account will be funded the next business day.  If you choose to fund your new Cardinal Bank account with funds from another financial institution, you will need to verify that account with us.  You have two options to verify your account:  Instant Verification or Challenge Deposit.  The Instant Verification option allows you to enter the Online Banking login credentials from your other financial institution to verify your account.  The Challenge Deposit option places two small deposits in your funding account for you to verify with us.  The deposits typically take 2-3 days to post.  You will receive an email requesting that you verify the amounts.  The email will include a link that will take you back to the application.  After you complete the application, the opening funds will be posted to your new account on the third business day.  

If you are new to Cardinal Bank, you may open your account from www.cardinalbank.com in our account opening form.  A representative from one of our banking offices will contact you to open your account. 

 

 

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What is Cardinal Bank’s routing and transit number?

Our routing and transit number is 056008849.  You will need the routing and transit number along with your new Cardinal checking, savings or money market account number in order to establish direct deposit (e.g., payroll).

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What can I expect after my account is opened online?

When you submit the application, you will be taken to a page on our website that provides a checklist of ways you can make the most of your new Cardinal Bank account(s).  Also, after you have completed the application, a confirmation e-mail will be sent to the e-mail address you provided during the application process.  A few days after opening your account, you will receive a Welcome Kit in the mail – complete with a checklist to make the most of your new accounts and a signature card.  Please sign the signature card and return it to us in the envelope provided in the Welcome Kit.

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What is an Annual Percentage Yield (APY)?

The 'APY' or Annual Percentage Yield is the rate of return on an interest-bearing account for a one-year period based on the interest rate and frequency of compounding. The APY for an account that pays a variable interest rate (i.e., an interest rate that may change after the account is opened) is a hypothetical rate that assumes that the interest rate will not change, although, in fact, it may change in accordance with the features and terms of the account. The interest rates and APYs for interest-bearing accounts that can be opened online are variable and may change at any time in our discretion without prior notice. The current APY for a particular account is located within the application and on our Rate Sheet.

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Who do I contact with questions about opening a new account online?

If you have any questions about opening an account online, please call us at 703.584.3400 or 800.473.3247.

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How will I know that you've received my new account application?

Once you see the “Confirmation” page that confirms we have received your application. We recommend that you print the confirmation page as it will include both your new account number(s), Cardinal Bank’s routing and transit number (important for establishing direct deposit) and the application confirmation number. 

In some situations, we may have to review your application further before completing the process. If this is the case, you will receive an email from us that your account is under review.

Unfortunately, in some situations we will not be able to open your requested account online.  This may be due to parameters we have established for account opening.  In these situations, we will notify you that we could not open your account online.  If you have any questions or would like to open an account in person, please contact a banking office near you.

In addition, if you selected the “2-3 day verification” method to confirm your funding account, you will need to return to the application once you have received your deposits to confirm the amounts and complete the application process.  We will send you an email with the link to return to the application so that you can complete the process.

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When is the opening deposit processed?

ACH transfers from your existing account at another financial institution to your new account with us will occur in two to three business days.  If you're already a Cardinal Bank customer and elected to transfer funds form an existing account through Online Banking, the transfer will occur on the next business day.  Refer to our Funds Availability Policy for details.

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Can I change the information on my account application?

You can edit your account information, including the initial deposit amount, before you submit your application to us. Simply click on the "Edit" button next to each grouping of information you would like to change from the “Final Look” page.

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How will I receive confirmation that my account has been opened?

We will send you a confirmation e-mail if you provided us with your email address. If you're currently enrolled in Online Banking, you can also log in to see your new account(s).

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Where can I find information about deposit account interest rates?

Deposit interest rates are available on our Rate Sheet.   

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How often will I receive my account statement?

Statements for checking, savings and money market accounts are sent each month.  You can choose to receive them in the mail or as e-Statements within Online Banking.

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Can I view my account activity in Online Banking or Mobile Banking?

Yes.  Simply enroll in Online Banking from our home page – you’ll need your account number in order to complete the process.  Once you enroll in Online Banking, you will be able to view your account activity in Online Banking and Mobile Banking.  

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Is a minimum deposit required to open an account?

Yes, each account has a minimum and maximum amount when opening a new account.  These are displayed on the “Deposit Information” page of the application on our Fee Schedule

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When is the opening deposit processed?

ACH transfers from your existing account at another financial institution to your new account will occur on the third business day. If you are currently a Cardinal Bank customer and are transferring money from an existing account with us, the transfer will occur on the next business day.

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Can I change the information on my account application?

During the application process in Online Banking, you may edit information prior to submitting it to us.  You will see these options on the “Final Look” page before completing the process.

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What is the difference between Individual and Joint ownership?

You have the option to open an account as an individual or a joint ownership.  With an individual ownership, the account is owned only by you and only you can access it. With joint ownership, the account is owned by you and your co-applicant and you both have access to the account.

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What is a Promotion Code?

From time-to-time we may provide a promotion code for special offers.  If you have received a promotion code, please enter it in the field provided.

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Why do you ask for my email address?

We ask for your email address to send you a confirmation notice when the application process is completed.

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Why do you ask whether I already have a checking or savings account with Cardinal Bank?

If you already are a Cardinal Bank customer with Online Banking access, we suggest that you log in to Online Banking to open your new account as it provides you with a shorter application and the ability to open your new account with funds from an existing Cardinal Bank account.

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What is Adobe Reader and why do I need it?

Adobe® Acrobat® ReaderTM is free software used for viewing and printing PDF files. You will need this software installed on your computer in order for your computer to download, display or print the account disclosures. If you don’t have Adobe Acrobat Reader, you can download Adobe Acrobat Reader now.

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Why do you need a signature card?

A signature card represents a legal record of your written signature.  We may need to refer to your signature for certain transactions or situations.

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Can I order checks for my new account?

Yes.  After your checking or money market account is opened, you may contact us at 703.584.3400 or visit a banking office near you to order checks. 

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You ask a lot of questions during the application process. Why?

By providing answers to the questions being asked, you'll help us to verify your identity, better protect your account against fraudulent activity, and help us understand how the account will be used.   

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Online Banking and Mobile Banking Upgrade September 2013

With the new layout of information, where do I find Transfers, FinanceWorks, TurboTax, e-Statements and Mobile Banking & Alerts?

 The new navigation drop-down “Move Money” is where you can make a transfer or schedule a future transfer. 

Under the new “Manage Money” drop-down, you will find FinanceWorks and TurboTax. 

The “Additional Services” drop-down area includes Mobile Banking & Alerts, e-Statements and Stop Payments.

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Where do I go to nickname an account, change my User ID, change my Password, update my security contact phone numbers and email address, and set alerts & notifications?

The new section “My Profile” includes the features to nickname accounts, change your User ID or Password, change your phone numbers and email address for one-time passcodes, to set alerts & notifications and more.

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I use Quicken. Will I need to re-authenticate through Quicken after the upgrade?

Yes.  To re-authenticate through Quicken, follow these steps:

  • Right click on account name, then select Edit Account Details
  • Select the Online Services tab
  • Select the option to Remove from One Step Update (for each account)
  • Activate the account for One Step Update
  • Through the update process, it should ask whether you want to receive the one time passcode by text, voice call or email.
  • It will list the accounts that were found in your Online Banking and you will be able to link these to your existing Quicken accounts.
  • Even though you are not prompted to register the computer, future authentication should not necessary.

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What are the key bill pay changes?

 

Bill pay has been refreshed with a new look and intuitive features.

  • An at-a-glance status next to each payee makes it easy to see exactly when bills are due when you use advanced features such as reminders, e-Bills, and recurring payments.
  • The new “Hide” feature allows you to “hide” payees from your list, but keep them active.
  • Common tasks are easier to access with our new Options window. Complete virtually all of your bill pay tasks from one screen.
  • Easily compare your current payment amount to past payments. Simply click on the payment amount field to see your recently completed payments. Want to pay the same amount? Click on it and the payment amount field will auto-fill for you.
  • Quick links give you fast access to alerts and more.

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Is there anything I need to do for the bill pay changes?

There is nothing you need to do. Once the upgrade is completed on September 10th, simply access Bill Pay the way you always have and enjoy the new features.

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Will any of my scheduled payments be impacted?

The upgrade will not affect your payees, e-Bills, scheduled payments or payment history. Rest assured that your information and scheduled payments will remain intact.

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Will Bill Pay be unavailable at any point?

During the short upgrade process, you may not be able to access Bill Pay for a couple of hours. However, the upgrade is scheduled to take place at night during non-peak usage hours.

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Why are you changing the security standards?

We care deeply about keeping your money safe while providing you with easy access to your accounts. With the continued growth of Online Banking, there are increased needs for greater security standards to keep you and your money well protected. In addition, the government issued new guidelines, calling for enhanced security measures for Online Banking. Therefore, we are upgrading our security procedures to provide you with the best protection available.

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What are the new User ID and Password Requirements?

 

User ID

Password

  • 6-20 characters
  • Must contain 1 letter and 1 number
  • Cannot be all numbers
  • Can contain numbers, letters and the following special characters:

@ $ * _ - = . ! ~

  • Cannot contain any blank spaces

 

 

                                              

  • 6-32 characters
  • Must contain characters from at least 2 of the following categories:
  • Letters
  • Numbers
  • ANY special characters
  • Cannot be a substring User ID
  • Cannot contain blank spaces
  • In addition, passwords:
  • Are not case sensitive
  • Do not expire
  • Can be reused

 

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Will I still be able to use challenge questions for Online Banking and Mobile Web Banking?

No. Challenge questions will no longer be used in Online Banking or Mobile Web Banking for enhanced authentication. Instead, one-time passcodes will be used.

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Do I need to authenticate each device that I use?

Yes, you will need to authenticate each device that you use

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Will I have to authenticate my devices every time I log in or only the first time?

You will only have to authenticate your devices the one time.

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For extra security, will I be able to be set my login to require the one-time passcode every time I log in?

Yes.  We highly encourage you to set your device as public and enter the one-time passcode with each login as it offers greater security.

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What new tablets are available with the upgrade?

With the upgrade, Mobile App Banking will be available for the Kindle Fire tablet through the Amazon App Store.

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What are the bill pay enhancements for Mobile Banking?

With the enhancement, payees will be sorted alphabetically and in-process payments will be included in the Scheduled Payments section.

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When will the Mobile Banking enhancements go into effect?

Mobile Web Banking and Mobile App Banking (Android) enhancements will go into effect on 9/10/13 and 9/11/13, respectively.  The Mobile App Banking upgrades for iPhones will be available a few weeks after the 9/10/13 upgrade.

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Mobile Deposit

What is mobile deposit?

Mobile deposit is a feature of Cardinal Mobile App Banking that allows you to take a picture of the front and back of a check using your iPhone, iPad or Android phone and Android tablet to deposit the check into your Cardinal Bank account.

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Who is eligible for mobile deposit?

Mobile deposit is available for Cardinal Online Banking customers who have accepted the Mobile Deposit User Agreement and whose account is in good standing.

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How do I sign-up for mobile deposit?

Mobile deposit is available through the Cardinal Mobile Banking App.  It is available for iPhone, iPad and Android smartphones.  You must be a Cardinal Online Banking customer to use Cardinal Mobile App Banking.  Simply visit the App Store or Google Play store to download Cardinal Mobile App Banking to your device.

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How does mobile deposit work?

To use mobile deposit:

  • Download or upgrade the Cardinal Mobile Banking App at the App Store or Google play.
  • Log in to Cardinal Mobile App Banking.
  • Tap on “Deposit Checks” from the mobile menu.
  • Select the account you want to deposit the check to and enter the deposit amount, just as you would at an ATM.
  • Take a picture of the front of the check.
  • Make sure the back of your check is properly endorsed with your signature, the words “Mobile Deposit”, the date and your account number.  Then, take a picture of the back of the check.
  • Review the information for accuracy and tap “Deposit”.
  • A confirmation is displayed. 

Note that your deposit may be reviewed before it is deposited into your account.  Please retain the check until you verify that is has been deposited to your account.  Then, properly destroy the check.  If you have any questions, please contact us at 703.584.3400 or 800.473.3247.

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What types of checks can I deposit?

In order to deposit a check via mobile deposit, the check must be payable to you and endorsed by you, payable in U.S. dollars, and drawn on a U.S. financial institution.  Your check must be legible.  International checks, U.S. savings bonds, money orders, convenience checks (e.g., home equity checks), and cash are not eligible. 

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Is there a fee for mobile deposit?

There is no fee from Cardinal Bank for mobile deposit.  However, fees may apply from your wireless carrier.

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What is the cut-off time for deposits?

Deposits that are received by 5:00 p.m. ET (on business days) will be reviewed that day for processing.  Otherwise, the deposit will be reviewed for processing the next business day.

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When will my mobile deposit be available?

Deposits will be available according to the Cardinal Bank Funds Availability Policy.  Generally, for existing customers, $200 of the deposit will be available the next business day and the remainder of the deposit available the following business days.  Extended holds may be placed on the deposit based on our Policy.

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Are there any limits to the amounts I can deposit?

Yes.  The limit per day is $2,000 and the rolling 30 day limit is $4,000 per customer.

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How will I know if there’s a problem with my deposit?

Log in to Online Banking or Mobile Banking in 2-3 business days after your deposit to ensure your deposit was properly posted to your account.  If you do not see the deposit, please contact us at 703.584.3400 or 800.473.3247.

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Can business accounts use Mobile Banking and Mobile Deposit?

Yes.  Business accounts can use Mobile Banking and the Mobile Deposit feature if those accounts are enrolled in Online Banking.  However, they are subject to the $2,000 daily check limit and $4,000 rolling 30 day check limit.  If your business requires higher limits, please ask us about Deposit on Demand, our remote deposit product.

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How should I endorse checks I deposit through Mobile Banking?

In the endorsement area on the back of the check, please write “Mobile Deposit” with the date, your signature and account number.

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How long should I keep a check after I have deposited it through Mobile Banking?

Please securely store the check for 30 days to ensure all processing completes properly and in case we need a copy of the check for research purposes.  Please be sure you mark on the check “Deposited Through Mobile Banking” as a reminder that you have deposited the check and so that you don’t inadvertently re-deposit the check.

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What if my check doesn't have very legible handwriting?

Check images received through Mobile Banking are reviewed for proper quality; similar to checks presented at a branch, by mail or at an ATM.  Checks must be readable and clear in order to be processed.

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What are some of the common errors and how do I avoid them?

Common errors include:  checks with folded or torn corners, images that are not legible, amounts that don’t match (the amount of the check and the amount you entered when making the deposit), routing and account numbers are not clear or images are too dark.

Common Errors

How To Avoid Them

Checks with folded or torn corners

 

If your check has torn corners or has been folded, we recommend you deposit the check at a Cardinal Banking Office or ATM, or by mailing the original check to Cardinal Bank, Cardinal Bank, 14000 Sullyfield Circle, Chantilly, VA  20151.

Images that are not legible or are too dark.

Lay the check on a flat surface in a well-lit area and re-take the picture of the check. 

Amounts that don’t match (the amount of the check and the amount you entered when making the deposit).

Make sure the entered check amount matches the amount on the actual check. Edit the entered check amount and continue.

Routing and account numbers are not clear.

Lay the check on a flat surface in a well-lit area and re-take the picture of the check. 

There’s no camera on the device.

If your mobile device does not have a camera, you will not be able to take a picture of the check. We recommend you deposit the check at a Cardinal Banking Office or ATM, or by mailing the original check to Cardinal Bank,14000 Sullyfield Circle, Chantilly, VA  20151.

Access is denied.

If you receive a message indicating that your access to mobile deposit has ben denied, we have removed your ability to make a mobile deposit based on the terms of the Mobile Deposit Agreement.

 

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My check was written more than six months ago. Can I still deposit it?

In most cases, checks that were written more than six months ago are considered "stale-dated" and cannot be deposited.  You will need to request the maker to issue a replacement. Exceptions to this are usually printed somewhere on the check and vary depending on the type of check.

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Is my mobile device supported for Mobile Deposit?

Mobile deposit is available for:

  • iPhones (all models) with OS 3.1+.
  • iPad with iOS 5 or above (with a camera).
  • Android phones (all models with a 2+ Mp auto-focus camera) with OS 2.1.1+. 

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Is mobile deposit safe?

We use industry-standard techniques to protect your mobile accounts.  You access Mobile Banking using your User Name and Password, your log in credentials are not stored on your mobile device, check images are not stored on your device.  128-bit encryption protects account information.  We recommend you manage the safety of your mobile device just as you would a computer – including using mobile malware protection software. 

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Business Bank Customer FAQs

Why did The Business Bank decide to merge with Cardinal Bank?

The Business Bank is a sound and stable institution.  However, our size has limited the range of products and services we are able to offer our clients. Our Board of Directors felt that partnering with a larger in-market institution with a similar philosophy and good reputation presented the best opportunity to provide our clients with enhanced and expanded banking capabilities.  Cardinal Bank and The Business Bank share similar business philosophies and a commitment to providing exceptional service, making this partnership an excellent opportunity to create a truly exceptional regional bank.  

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Who is Cardinal Bank?

Cardinal Bank was founded in 1998, and is headquartered in McLean, VA, with a clear commitment to providing true community-based banking to best serve customers in the region. Several of the original employees are Cardinal executives today.

  • Bernard Clineburg has been the President & Chief Executive Officer since October 1, 2001. 
  • Cardinal Bank has approximately $3 billion in assets with nearly $1.9 billion in loans and $2 billion in deposits.  
  • It now has 29 retail branches, stretching from Fredericksburg, VA to Bethesda, MD.  Its Georgetown office opened on August 5, 2013, and a Rockville, MD office opened in the last week of December, 2013. 
  • Cardinal Bank’s subsidiary, George Mason Mortgage, LLC, has 20 offices that span from Baltimore, MD to Virginia Beach, VA.  George Mason Mortgage closed over $5 billion in mortgage loans in 2012.   
  • Cardinal Wealth Services uses Raymond-James as its broker-dealer.
  • Cardinal has been named a Bauer Financial Five-Star institution every quarter since June, 2009, and has received both regional and national acclaim for its performance.    
  •  Cardinal is committed to giving back to communities where we live, work and raise out families - through the Cardinal Bank Community Fund, it provides grants to worthy organizations throughout the Greater Washington Metropolitan region.

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When will the merger be finalized?

Merger activities will be completed within the first quarter of 2014.  The systems conversion is scheduled to occur March 7 – 9, after which all customer information will be housed on the Cardinal Bank system.  Following systems conversion, we will change our name to Cardinal Bank.  

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Will any branches be closed?

With the geographic overlap of Cardinal Bank and The Business Bank branches, some branch consolidation will occur.  Customers in the impacted branches will be notified by mail with information specific to their branch.  

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How will this merger benefit The Business Bank customers?

Cardinal’s size and stability will allow The Business Bank customers to continue to receive the kind of customer service they expect, while offering them a more extensive banking experience.  The Business Bank customers will have access to a much larger branch network and will continue to have access to a network of thousands of surcharge-free ATMs.  Cardinal’s $50 million legal lending limit offers us the opportunity to expand the relationships of our larger business clients.  

You will be receiving your Cardinal Bank Conversion Guide in the mail shortly.  In it you will find details regarding the conversion of your existing Business Bank accounts into Cardinal Bank accounts, and introduce you to some of the new products, features, and services that you will have access to as a Cardinal Bank client.  

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What information is included in the Conversion Guide?

The Conversion Guide includes detailed information about the conversion.  It includes:

  • A timetable so that you will know what will be happening when and information about how your account will be converted. 
  • Information about statements, FDIC insurance, your account number and what is/is not changing about your account.
  • Steps you need to take for automatic deposits/payments and wire transfers.
  • Information about Online Banking, Mobile Banking, Remote Deposit and Cash Management Online.
  • Banking Office locations.
  • Fees & Service Charges and disclosures for your accounts.

 We will send an additional mailing if there is more information regarding your account or service changes.

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Will my account number change?

Your account number will not change if you have a checking, savings, money market, CD or IRA.  However, if you have a loan, line of credit or mortgage, your account number will likely change.  You will receive a separate letter from us if your account number is changing.  More information is available in the Conversion Guide.

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What will my account be converted to?

Please refer to the Conversion Guide, mailed in February, for details about your converted Cardinal account.  The Conversion Guide also provides information about account disclosures, fees and service charges. 

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Will I need to order new checks?

You will not need to order new checks.  You will be able to continue to use your Business Bank checks and deposit tickets.  When you are ready to reorder your checks, visit the Cardinal Banking Office near you.

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I have automatic deposits or withdrawals to my deposit account. Will I need to make changes?

Any direct deposits or automatic payments you have on your current account will be continued automatically for 60 days.  However, in order to minimize disruption, we recommend you notify those making automatic deposits or payments to your account immediately to begin using the Cardinal routing and transit number:  056008849.

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I receive or send wires frequently. What information will I need beginning March 10th to process wire requests?

Beginning March 10th:

Incoming wire transfer instructions are:

  • Receiving Bank:  Cardinal Bank, McLean, VA
  • ABA Routing Number:  056008849
  • Beneficiary:  Your Account Name and Account Number

Outgoing wire transfers can be initiated via fax or through Cash Management Online after the proper agreements have been signed.  Cut-off times are:

  • Request via Fax:  3:00 pm Eastern Time
  • Request via Cash Management Online:  4:00 pm Easter Time

All wire transfer requests received after the cut-off times stated above will be processed on the next business day.

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Will I get a new debit card or ATM card?

You may continue to use your existing Business Bank ATM and Visa debit cards, including your Business Bank HSA debit card.  When your card expires, you will be issued a new Cardinal Bank CheckCard.  A new PIN will be sent to you at that time.  You can change your PIN at any Cardinal Bank ATM or by calling Cardinal Telephone Banking.  Refer to the Conversion Guide for debit card and ATM limits.

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How will I log in to Online Banking?

Cardinal Online Banking is available for access to personal and business accounts.  Business Bank Online Banking customers will be automatically converted to Cardinal Online Banking.  Refer to the Conversion Guide and separate mailings for details on how to log in and use Online Banking.  Note that e-Statements, e-Bills and check images will not be converted.  We recommend you download or print any e-Statements or check images you may need for your records – especially for tax purposes.

Businesses who require multiple users, access to multiple business TINs, ACH or wire transfers will be set-up on Cash Management Online.  Separate agreements are required for this service and must be received in advance of the March 7th systems conversion to avoid disruption in service. 

Note that e-Statements, e-Bills, ACH and wire templates, and check images will not be converted.  Cash Management Online differences will be highlighted for you in a separate mailing.  We will also provide a checklist to assist you.

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Does Cardinal offer Mobile Banking?

Cardinal offers Mobile Banking for customers who use Cardinal Online Banking.  Our Mobile Banking options include Mobile App Banking (which includes mobile deposits), Mobile Web Banking, and Text Message Banking.  You will use your Online Banking User ID and Password to log in to Mobile App Banking and Mobile Web Banking.  To establish Text Message Banking, log in to Cardinal Online Banking and go to Additional Services – Alerts & Text Banking.  Learn more.

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Where will I need to send loan/line of credit payments after the conversion?

Beginning March 10th, loan and line of credit payments should be sent to the following address:

Cardinal Bank
Loan Operations
PO Box 9186
McLean, VA  22102-0186

For questions, please contact us at 703.584.3420.

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Virginia Heritage Bank Gainesville Ofifice

Who is Cardinal Bank?

  • Cardinal Bank was founded in 1998, and is headquartered in McLean, VA, with a clear commitment to providing true community-based banking to best serve customers in the region. Several of the original employees are Cardinal executives today.
  • Bernard Clineburg has been the Chairman & Chief Executive Officer since October 1, 2001. 
  • Cardinal Bank has approximately $3.2 billion in assets with nearly $2.4 billion in loans and $2.4 billion in deposits.   It now has 31 retail branches, stretching from Fredericksburg, VA to Rockville, MD.
  • Cardinal Bank’s subsidiary, George Mason Mortgage, LLC, has 17 offices that span from Baltimore, MD to Virginia Beach, VA.  Scotsman Guide ranked George Mason Mortgage #13 for Top Retail Volume in 2013 with nearly $5.8 billion in total volume.
  • Cardinal Wealth Services offers full-service brokerage and wealth management services.
  • Cardinal has been named a Bauer Financial Five-Star institution every quarter since June, 2009, and has received both regional and national acclaim for its financial performance. 
  • Cardinal is committed to giving back to communities where we live, work and raise our families.  Through the Cardinal Bank Community Fund, Cardinal provides grants to worthy organizations throughout the Greater Washington Metropolitan region.  The annual Cardinal Charity Classic raised $252,000 in 2014 and over $3 million in its 12-year fundraising history.  The funds raised from the 2014 tournament will be used to continue Cardinal’s longtime partnership with Inova Kellar Center, while also supporting the missions of many community-enriching organizations and outreach programs through the Cardinal Bank Community Fund./resource/faqs/

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When will the merger be finalized?

Pending regulatory approval, the conversion for the Virginia Heritage Bank Gainesville branch to Cardinal Bank is scheduled to occur November 7-9, 2014, after which all customer information will be housed on the Cardinal Bank system.  Following the conversion, the Virginia Heritage Gainesville branch will be renamed Cardinal Bank – Gainesville Banking Office. 

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Will the Gainesville branch staff remain the same?

Yes.  We are delighted that the Gainesville Office staff – Marty Hoover, Claire Grygotis and Christina Ton – will remain at the Gainesville Office.  In addition, our Regional Sales & Service Manager, Stephanie Lykins-Harvey, and our Call Center Manager, Marie Brooks, will be available to assist you after the conversion.  Stephanie joined Cardinal Bank in 2014 and has over 17 years of retail banking and management experience.  Marie joined Cardinal Bank in 2006 and has over 17 years of experience in the banking industry.

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What will my account be converted to?

Please refer to the Personal and Business Account Comparison Charts that were mailed to you to compare your Virginia Heritage Account to your new Cardinal Bank account or refer to our comparison chart.

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How will my accounts change?

Please refer to the Locations, Fees and Disclosure Guide that was mailed to you regarding specific fee and disclosure changes to your accounts.

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When will I receive more information about my accounts?

In the coming weeks you will receive additional information about your accounts, steps you will need to take, and more.  Please be on the look-out for these communications.  In addition, we’ve created a page on our website at www.cardinalbank.com/VHB for more information as we approach the conversion date.

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Will my account number change?

Your account number will not change.  However, your routing number will change to Cardinal Bank’s routing number:  056008849.  Because of this, we will provide you with complimentary first order of checks and you will need to notify those making automatic deposits or payments to your account immediately to begin using the Cardinal routing and transit number 056008849 beginning November 10.

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Will I need to order new checks?

Yes, you will need to order new checks.  We will provide you a complimentary first order of checks.

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I have automatic deposits or withdrawals to my deposit account. Will I need to make changes?

Yes.  In order to minimize disruption, you will need to notify those making automatic deposits or payments to your account immediately to begin using the Cardinal routing and transit number 056008849 beginning November 10.

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I receive or send wires frequently. What information will I need beginning November 10 to process wire requests?

Beginning November 10:

 

Incoming wire transfer instructions are:

 

·         Receiving Bank:  Cardinal Bank, 8270 Greensboro Drive McLean, VA 22102

·         ABA Routing Number:  056008849

·         Beneficiary:  Your Account Name and Account Number

 

Outgoing wire transfers can be initiated via fax or through Cash Management Online after the proper agreements have been signed.  Cut-off times are:

 

·         Request via Fax:  3:00 pm Eastern Time

·         Request via Cash Management Online:  5:00 pm Eastern Time

 

All wire transfer requests received after the cut-off times stated above will be processed on the next business day.

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Will I get a new debit card or ATM card?

Yes.  We will send you a new ATM or Debit Card and PIN the week of November 3.  You will not be able to use the Cardinal Bank Card until our systems conversion is complete, by November 10.  Note that EagleBank will disable your Virginia Heritage Bank Debit and ATM Cards beginning November 5.  You will be able to use your Virginia Heritage Bank checks through conversion weekend for purchases.  Please plan accordingly for your cash needs.

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How will I log in to Online Banking?

Cardinal Online Banking is available for access to personal and business accounts.  You will need to enroll in Cardinal Online Banking and re-establish any billers, bill payments, transfers, and access to e-Statements; as these will not convert.  We recommend you download or print any e-Statements or check images you may need for your records – especially for tax purposes. Refer to the Conversion Guide for details on how to log in and use Online Banking.

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I am a business customer, should I use Online Banking or Cash Management Online to access accounts?

Businesses who require multiple users, access to multiple business TINs, use ACH or conduct wire transfers will use Cash Management Online.  You will receive separate mailings for this service, to include an agreements package that must be received in advance of the November 7 systems conversion to avoid disruption in service.  Note that e-Statements, e-Bills, ACH and wire templates, and check images will not be converted.  Cash Management Online and Online Banking differences are highlighted in the Conversion Guide.  The monthly service fees will be waived for the first six months.  If you do not need access for multiple users, multiple TINs, or do not initiate ACH or wire transactions, you should enroll in Online Banking.    Information about how to enroll is detailed in the Conversion Guide.

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How will I log in to Cash Management Online?

If you require multiple users, access to multiple business TINs, use ACH or conduct wire transfers, you will receive a Cash Management Agreement package from us.  Please complete the forms within the package and return it to us in the postage-paid envelope.  We will then send a Getting Started Package to your designated Company Administrator.  This Package will include the Company Administrator’s login credentials, tokens and a token distribution form (if you initiate ACH or Wire transactions – note that your Virginia Heritage tokens will not work with Cash Management Online and may be discarded after November 10), and a User’s Guide.  The monthly service charges for Cardinal Cash Management Online will be waived for the first six months.

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I use Remote Deposit Capture for my business. How will I access it? Will I be able to use my existing machine?

We will send you a Cash Management Agreement package.  Please complete the forms within the package and return it to us in the postage-paid envelope.  We will then send a Getting Started Package to your designated Company Administrator.  This Package will include the Company Administrator’s login credentials, a User’s Guide and a set-up document.  We will provide you with a complimentary machine as well.  The monthly service charges for Cardinal Deposit on Demand (our remote deposit capture service) will be waived for the first six months.

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Does Cardinal Bank offer Mobile Banking?

Cardinal offers Mobile Banking for customers who use Cardinal Online Banking.  Our Mobile Banking options include Mobile App Banking (which includes mobile deposits), Mobile Web Banking, and Text Message Banking.  You will use your Online Banking User ID and Password to log in to Mobile App Banking and Mobile Web Banking.  To establish Text Message Banking, log in to Cardinal Online Banking and go to Additional Services – Alerts & Text Banking.  Learn more.

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Transfer Funds

Can I schedule one-time or recurring transfers in Online Banking?

Yes. Transferring funds through Online Banking is the quick and easy way to save! You can schedule transfers to be made weekly, monthly, twice-monthly, quarterly, semi-annually or annually. You have the option to set your Scheduled Transfers to end after a number of transfers that you designate, at a date you specify or to allow transfers to continue with no end date. If you want to change your transfers, simply log in to Online Banking and go to Scheduled Transfers. From there, click on the "Edit" link to change your transfer amount, transfer frequency or end date. You can also delete your scheduled transfers at any time. Log in to Online Banking and go to Scheduled Transfers. From there, click on the "Delete" link next to the transfer you wish to cancel. You will receive an email notification that the transfer occurred. Be sure to keep your email address current.

 

 

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Can I transfer funds to/from accounts I own at Cardinal Bank and other banks?

Yes. You can transfer funds to/from eligible accounts you own at Cardinal Bank and any U.S. bank.  Log in to Online Banking and go to the Move Money tab. There, you will be able to make Transfer To/From Other Banks. Note:This feature is not available to businesses or individuals under 18 years old.

 

 

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What is an eligible account?

An eligible account is typically a checking, savings, or money market account.  Some brokerage accounts are also available.  The account must have a routing/transit number and an account number. 

 

 

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How does External Transfers in Online Banking work?

To get started, simply enroll your external bank accounts (accounts not held at Cardinal Bank).  You will be requested to verify your other bank account(s).  Simply follow the on-screen prompts.  You will be prompted to verify your accounts either with a trial deposit or instant verification You can verify your trial deposit amounts by logging in to your other bank account(s) about three days after you register that account to see the trial balance amounts.  Then, log in to Online Banking and enter the trial deposit amounts in the Move Money – Transfer To/From Other Banks section.  After your accounts are verified, you will be able to transfer money to/from those accounts.

 

For more information, view our demo.

 

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What types of transfers can I schedule with external transfers?

With external transfers, you can schedule standard or next day transfers to/from your Cardinal Bank accounts and eligible accounts you own at other financial institutions.  Standard transfers take three days to process.  Next day transfers will process the next business day. 

You can also schedule one-time or recurring transfers.

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Can I schedule next day transfers immediately after I enroll in external transfers?

You will not be able to utilize external transfers immediately after you enroll in the service.  For your protection, you will need to meet certain qualifications before being able to use the next day transfers feature.  For example, your account must have been in good standing (no non-sufficient funds), you must have a maximum of $750 in both accounts (the transfer to and the transfer from accounts), and you must have utilized the standard features for at least 60 days with $500 in transfers.

 

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How quickly are the funds transferred?

The standard transfer timeframe is 3 business days.  Next business day transfers are available.

 

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Is there a maximum amount I can transfer to/from Cardinal Bank and other bank accounts I own?

Yes, for your protection, we limit the amount that can be transferred with external transfers.  Limits are set per transaction, per day, current amount outstanding (scheduled, but not completed) and per rolling 30 days. Your current account balance is also taken into consideration for these transfers.

Standard delivery (in-coming and out-going) is:

Per Transaction: $5,000

Per Day: $5,000

Per Month: $10,000

 

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Is there a fee to transfer funds to/from other bank accounts?

Yes. The fees are displayed in our Schedule of Fees and within Online Banking in the Move Money – Transfer To/From Other Banks section.

 

 

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If I am a business, am I able to register for external transfers?

The external transfers feature is available only to consumers who are 18 or older (not for businesses).  We will monitor enrollments for external transfers each business day.  If we find that a business has enrolled, we will unenroll that business.  If you were able to enroll and generated a transfer, we will cancel the transfer. 

 

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Why aren’t businesses able to use external transfers?

Businesses are not able to use this feature as they operate under different rules than consumer accounts and verification of ownership is much more complex.  For businesses who wish to transfer funds between accounts owned at other financial institutions, we recommend Cardinal Cash Management Online which offers external transfers with ACH and wire transfers.

 

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Pay Other People

Can I send money to other people?

Yes. In the Move Money tab in Online Banking, you can transfer money to pay other people or to request money with Popmoney.  Note: This feature is not available to businesses or individuals under 18.

 

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What is Popmoney®?

Popmoney is an innovative payment service offered by Cardinal Bank that eliminates the hassles of carrying checks and cash. Now, sending and receiving money is as easy as emailing and texting. And you don't need a new account to send or receive money. Just use your current eligible transaction account.

You can use Popmoney to:

  • Send money to your child at college
  • Send a gift to family and friends
  • Pay back friends for that fun outing
  • Pay your babysitter or your lawn care service

Pay rent to your landlord or roommates 

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How does Popmoney work?

Popmoney allows you to send money to friends, family or virtually anyone.  Simply sign-up for Popmoney through Cardinal Online Banking.  After you enter your eligible transaction account information, you can send or request money from your contacts. They will be notified by email or text message that you wish to send money or are requesting money from them. You and your contacts will never need to exchange financial account information. 

 

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How do I send money?

Once enrolled, to send money, log in to Cardinal Online Banking and go to the Move Money tab and click on the link Pay Other People.  You can send money to anyone using his/her email address, mobile number or bank account information.  You will be notified when the transaction is completed.

 

 

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How does bank account verification work?

To confirm your account, we will make two small deposits of less than $1.00 each, into and from your account. The withdrawal is the sum total of the two deposits we made. The deposits and withdrawal will appear on your monthly statement from your financial institution, which will be available to view online or in your mail and are identified with "Popmoney.com" and "Trialcredit," "Trialdebit" or similar wording in the description.

This information can be found on your statement and will be used to verify your account

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Can I schedule next day transfers immediately after I enroll in Popmoney?

You will not be able to utilize external transfers immediately after you enroll in the service.  For your protection, you will need to meet certain qualifications before being able to use the next day transfers feature.  For example, your account must have been in good standing (no non-sufficient funds), you must have a maximum of $100 in both accounts (the transfer to and the transfer from accounts), and you must have utilized the standard features for at least 60 days with $500 in Popmoney transfers.

 

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How will the recipient receive their money?

The recipient will get an email or text message telling him/her that someone sent money. If the recipient is a Cardinal Online Banking customer, that person just logs-in to Cardinal Online Banking to retrieve the funds.

If the recipient’s bank offers Popmoney, the recipient can log in to his/her bank account and direct the funds there. 

If the recipient’s bank does not offer Popmoney, the recipient can provide his/her bank account information at Popmoney.com. The recipient’s money will be sent to that account.

If the recipient does not provide his/her account information, the payment will be automatically returned to the sender's account.

 

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When will the recipient receive the funds?

The timing to receive the funds depends on the type of account used to make the payment. The delivery speed will be displayed when you schedule the payment. It could take additional time if your contact has not used Popmoney or will have to log in and accept the payment.

If you are sending the payment notification through email and your contact wants to collect the funds into an Eligible Transaction Account; he/she must provide his/her Eligible Transaction Account information by 10 PM Pacific Time in order to receive the funds the next business day.

 

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How quickly are the funds transferred?

The standard transfer timeframe is 2-3 business days.  Next business day transfers are available.

 

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Is there a fee to pay other people?

There are fees to pay or request money from other people.   The fees are displayed in our Schedule of Fees and within Online Banking in the Move Money Tab.

 

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What is an eligible transaction account for Popmoney?

An "Eligible Transaction Account" is a transaction account from which your payments will be debited, your Popmoney Service fees will be automatically debited, or to which payments and credits to you will be credited. Today, you can send money from a direct deposit account (like a checking account or money market account) or a debit card account (you cannot send money from a credit card account today). You can deposit money into a direct deposit account (like a checking account or money market account) or certain types of debit cards (you cannot deposit money using a credit card account today).

 

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Will my bank account information be shared with the recipient?

No, your bank account information will not be shared with the recipient. Your recipient will see your first name, last name, and the message you wrote for the payment; if you sent the payment to your contact's email address, your recipient will also see your email address. Similarly, you won't be able to see your recipient's bank account information.

 

 

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Why do I need to verify my email address and phone number?

Verification of your email address and phone number is required for security reasons. Entering the correct verification codes ensures that you have access to your email and phone. You may also be asked to verify your mobile phone in the future to send and receive payments.

 

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What are the different ways I can send money to someone using Popmoney?

You can send money to someone using his/her:

  • Email address:Your contact will receive an email with instructions on how to direct the payment into his or her bank account.
  • Mobile number:A text message will be sent to the recipient on your behalf with instructions on how to direct the payment into his or her bank account. If the recipient does not respond to the payment notification after 3 days, a reminder text message will be sent on your behalf to the recipient reminding them to act on the payment notification. You may want to tell your contact that standard Message and Data rates may apply.
  • Bank account information (routing and account number):The money will be directly deposited into your contact's bank account. You will also have the option to send the contact an email.

 

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What options do I have to deliver payments using Popmoney?

For payments sent via standard delivery:

Using an email address or text message:

  • Contacts with Automatic Deposit enabled will see the payment in their bank account within 3 business days.
  • Contacts without Automatic Deposit enabled cannot receive the payment until they provide their bank account information; once provided, the payment will be sent to the contact's bank account within 3 business days.

Using a bank account:

  • The payment will be sent to your contact's bank account within 3 business days.

For payments sent via express delivery:

Using an email address or text message:

  • Contacts with Automatic Deposit enabled will see the payment in their bank account the next business day.
  • Contacts without Automatic Deposit enabled cannot receive the payment until they provide their bank account information; once provided, the payment will be sent to the contact's bank account the next business day.

Using a bank account:

  • The payment will be sent to your contact's bank account the next business day.
  • The recipient will be notified of the payment on the send date.

 

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Can I send money internationally?

No, currently you can only use Popmoney to send money within the United States. If you send a payment to your contact's email or mobile, your contact will be required to provide a US bank account to receive the funds. Otherwise, the payment cannot be processed and the funds will be returned to your bank account.

 

 

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Why do I have limits on my payments?

For your protection, limits have been created on how much money and how many payments can be sent during various time periods. This amount may vary and will be displayed to you within the Popmoney transfer screens in Online Banking.

 

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What are the fees associated with the Popmoney service?

The fees for sending money using Popmoney are found in the schedule of fees

 

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Why am I asked to enter a message to the contact?

A personal message gives the contact the confidence that she/he is receiving the payment from someone they know. It is also an opportunity for you to communicate the purpose of the payment to the contact.

 

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How do I add a contact?

There are two ways to add a contact:

  • You can start typing a name, email or mobile phone in the To field. If it does not exist in your contacts list, an add contact window will pop up. Complete the remaining information and click Add.
  • Click on the Contacts tab and click on the Add Contact button. Enter the required fields and click Save.

 

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What happens when a payment someone sent me expires?

You have 10 days from the send date to deposit the payment. When a payment expires, the funds are returned to the sender. Please contact your sender to request another payment if you still wish to receive the funds.

 

 

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Can I stop a payment after the send date?

You can stop a payment anytime after the send date provided the payment has not been deposited into the recipient's bank account. To stop a payment, go to Activity, select the payment you would like to cancel, and click the Stop Payment button. You will not see the Stop Payment button when the option is no longer available.

 

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Where do I view and edit future-dated payments and recurring payment plans?

To view or edit future-dated payments and recurring payment plans, click on the Scheduled Payments tab.

 

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Where do I view and edit future-dated payments and recurring payment plans?

To view or edit future-dated payments and recurring payment plans, click on the Scheduled Payments tab. You can edit or cancel the next payment anytime before the send date or the entire recurring payment plan at anytime. For the next payment, you can edit the Send Date, Amount, Subject Line, and Personal Message, without affecting the rest of the plan. For the entire recurring payment plan, you can edit the same fields as well as the Frequency and Duration.

 

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How will I know if someone sends me money using Popmoney?

If the sender sends the money using your email address or mobile phone number, you will receive an email or text message with instructions on how to deposit the payment into your Eligible Transaction Account. If the sender uses your Eligible Transaction Account information, the money will be deposited directly into your Eligible Transaction Account. In that case, you will only receive a notification if the sender enters an optional message when submitting the payment.

 

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If the sender has provided the wrong mobile number or I cannot receive text messages on my phone, what should I do?

Do not attempt to deposit this payment! The funds will be returned to the sender if you are unable to verify access to your mobile phone. Instead, please ask the sender to edit the mobile number by clicking Activity and editing the transaction.

 

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What are the different ways I can request money from someone?

You can request money from someone using their:

  • Name and email address: your contact will receive an email with instructions on how to pay the request
  • Name and mobile number: a text message will be sent to the recipient on your behalf with instructions on how to pay the request.

 

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When will I receive the funds I request?

The person you requested money from has to sign up with Popmoney, if not registered already.

Once he/she has signed up successfully and pays against the request, you should receive the payment within three business days. The payment will be deposited into the Eligible Transaction Account you selected when sending the request.

 

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How much does it cost to request money?

The The fee for requesting money is found in the schedule of fees

 

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Do I pay a fee if my request is not paid?

No. A fee will be deducted only if you receive a payment. No fee will be charged if the request is not paid 

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Why do I have limits on my requests?

For your protection, limits have been created on the number and value of requests that can be sent during various time periods. Please click the icon next to the Amounts field to view your available limits.

 

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Do I pay a fee if my request is not paid?

No. A fee will be deducted only if you receive a payment. No fee will be charged if the request is not paid.

 

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Can I cancel a request?

Yes. A request you make to another person to send you money via Popmoney can be cancelled if the request recipient has not yet initiated the payment.

 

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How can the recipient pay?

A recipient can pay a request with any Eligible Transaction Account. Please visit the Terms of Use for more information on Eligible Transaction Accounts.

 

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How long does my recipient have to pay?

Any request you send will be valid for 30 days. After 30 days, the recipient will no longer see the request and will not be able to make a payment against it.

 

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Why do you need my email address?

We use your email address to send you messages that are relevant to your Popmoney service activity. For example, you may receive a message when you successfully sign up for Popmoney, change your password or address or if there is a problem processing a payment.

 

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Why do I need to verify my email address and phone number?

Verification of your email address and phone number is required for security reasons. Entering the correct verification codes ensures that you have access to the email address and phone number provided. You may also be asked to verify your phone number in the future in order to send and receive payments.

 

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Business Credit Card with ScoreCard Rewards FAQs

How do I apply for the new Business Credit Card with ScoreCard Rewards?

To apply, simply visit a Banking Office near you, contact your relationship manager or call 703-584-3400. 

 

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Why do you ask for my employee’s personal information, including SSN, on the application?

As a financial institution, we are required to know our customers.  This includes asking for personal information such as address, date of birth, and Social Security Number.  Please note that we qualify the credit based on the owner’s credit score, not the employees, and will not pull a credit report on the employee to whom a card will be issued.

 

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How does the individual monthly spend limit work in relation to the overall company credit limit?

During the application process, you will identify the monthly spending limit for each employee.  These monthly spending limits will roll-up (and not exceed) the overall company credit limit.  Note that if an amount carries over (is not paid in full each month), that employee will still be able to make purchases based on their independent monthly spending limit, but it may impact the monthly spending limits of other cardholders at your company. 

 

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I already have a business credit card. Can I move to the new Business Credit Card with ScoreCard Rewards?

Absolutely.  Simply contact your business banker (relationship manager or Branch Manager) and request the new card.  We will provide you with the new Business Credit Card application to complete.  Upon approval, we will transfer the current Cardinal Business Credit Card balance(s) to the new Business Credit Card with ScoreCard Rewards account.

 

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How does the combined statement work?

The combined statement will include the overall company-level balances as well as the individual cardholder transactions.  The statement will be delivered to a central address (typically the business main address) for payment processing.  Memo statements are available to individual cardholders.

 

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What is a memo statement?

A memo statement is a transaction-only statement that each cardholder can receive, if requested on the application.  Each cardholder can use this statement to reconcile their transactions for your Accounts Payable Department.  However, it is not used to submit payments.  Payments are submitted via the combined statement. 

 

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How do I enroll in the Business Credit Card ScoreCard Rewards program?

There’s nothing you need to do to enroll in rewards.  All new Business Credit Card with ScoreCard Rewards customers are automatically enrolled.

 

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What types of rewards can I earn?

There is a wide variety of rewards available for redemption. These include:

• Travel

• Merchandise

• Cash back (in the form of a statement credit)

• Charitable donations in gift card form

 

 

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Where can I get a complete list of available merchandise awards?

The ScoreCard Rewards Program has a complete list at www.scorecardrewards.com. 

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How do I earn points?

Simply use your ScoreCard Rewards participating card, for your purchases. You will earn points based on your qualifying net purchases (purchases minus returns and/or other related credits). You will earn points as long as your account is in good standing (that is, not delinquent, in default, closed, canceled, blocked, suspended or otherwise inactive and not available for use as a source of funding). You do not earn points for cash advances, balance transfers, unauthorized or fraudulent charges or for fees of any kind on your card account. Credits to your Account (such as for returns of purchases) will reduce the points available in your account.

 

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How do I redeem Rewards points?

You can redeem Rewards points by visiting scorecardrewards.com. Customers can also redeem points by calling 1-800-854-0790.

 

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How do I log in to the ScoreCard Rewards website?

On your first visit to the site www.scorecardrewards.com, you will need to set up your profile with a username and password. You will also be asked to set up some security question and answers for password retrieval. Once you create your profile you will log in with your username and password. You may browse the rewards site by clicking on the “Browse Catalog” link from the log in page. Point balance and redemption capabilities are not available in the browse feature of the site.

 

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Can I earn cash back?

Yes.  You can redeem points for cash which is applied to your outstanding principle statement balance.

 

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Are there any options other than a statement credit for cash back redemption?

No. A statement credit is the only way to redeem a cash back reward at this time.

 

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How do I redeem Points for charitable donations?

Charitable donations are done in the form of gift cards through a vendor called Charity Choice. You select the charitable gift card option on scorecardrewards.com and then designate the gift card recipient and the charity in which you would like to contribute to. You also have the option to leave the benefiting charity selection up to the gift card recipient. Gift cards are then redeemed using a redemption code on the Charity Choice website (charitygiftcertificates.org/redeem).

 

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Are there any additional fees for the chip (EMV) technology?

There are no additional fees for EMV technology either for the primary card or additional cards. 

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Will the chip technology affect employee card expense tracking?

EMV chip technolgy will not affect expense tracking tools. 

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Where and how can chip cards be used?

The EMV card can be used anywhere that accepts Visa Credit Cards. Instructions on using the EMV chip card include:

  1. Insert the chip end of your card into the terminal
  2. Keep your card in the terminal throughout the transaction until the machine prompts you to remove the card 
  3. Then sign for the purchase and take your receipt

 

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Apple Pay

What is Apple Pay?

Apple Pay is a new way to pay using the iPhone® 6 and iPhone 6 Plus. Just add your Cardinal Bank Visa CheckCard to Passbook and you'll continue to enjoy all the rewards, benefits, and security of your card when you use Apple Pay. There's no charge for adding your card to Passbook or using Apple Pay.

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What do I need to use Apple Pay?

  • iPhone 6 or iPhone 6 Plus and later (Apple Pay in stores and within apps)
  • iPad Pro, iPad Air 2 or iPad mini 3 and later (Apple Pay within apps)
  • Apple Watch paired with iPhone (Apple Pay in stores)
  • iOS 8.1 or later
  • Touch ID or passcode on your iOS device
  • An Apple ID signed in to iCloud
  • Cardinal CheckCard or Credit Card

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How does it work?

If you're making a purchase at a store, just hold your iPhone up to the card reader and use Touch ID to make the purchase. If you're paying with Apple Watch, double-click the button on the side to bring up your default card, and then hold the display up to the card reader.

If you're making a purchase through an iOS app, you'll have the option to use Apple Pay when you check out.

Some merchants will ask for a PIN when you use Apple Pay. If this happens, you'll want to enter the PIN normally (through the merchant's card reader), just like you would with a card.

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How do I add my Cardinal Visa card?

 To add a new card into Passbook, select the + symbol in the upper right hand corner and you can add your Cardinal Visa card by entering your card information in manually. Once your card is loaded successfully, your card will appear in Passbook.

Once your card is loaded successfully, a card image of your debit card will appear in Passbook along with a message saying that your card is ready for Apple Pay, or you’ll receive a message indicating further verification is required.

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Is Apple Pay secure?

Apple Pay is safer than using a traditional credit or debit card. Every transaction on your iPhone or iPad requires you to authenticate with Touch ID or your passcode. Your Apple Watch is protected by the passcode that only you know, and your passcode is required every time you put on your Apple Watch. Your card number and identity aren’t shared with the merchant, and your actual card numbers aren’t stored on your device or on Apple servers.

Learn more about Apple Pay security and privacy.

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Where can I use Apple Pay?

You can use Apple Pay to make payments in stores with your iPhone 6 wherever contactless payments  are accepted. Just look for the contactless and/or Apple Pay symbol at checkout.  You can also use Apple Pay in participating merchant apps with iPhone 6, Apple Watch 5 or 6, iPad Air 2 and iPad mini 3. Look for the “Buy with Apple Pay” or “Apple Pay” button at checkout within the apps.  Visit Apple (www.apple.com/apple-pay) for a recent list of merchants where payments are accepted.

 

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What are the benefits of using my Cardinal Visa with Apple Pay?

Apple Pay is easy to use and secure. It's a new way to pay, with enhanced security features that help protect your debit card information. Payments are authorized using Touch ID and your actual debit card account number is not stored on your phone. You'll continue to enjoy all the rewards, benefits, and security of your card when you use Apple Pay.

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Why doesn't my card image in Passbook look like my actual card?

 Your card image in Passbook will reflect a new design of your Cardinal Visa card.

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How do I make my Cardinal Visa card my default card?

 The first card you add into Passbook automatically becomes your default payment card for Apple Pay, but you can go to Passbook at any time to pay with a different card or select a new default. Just go to Settings > Passbook & Apple Pay, tap on Default Card, and select your card.

 

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Where can I find my Device Account Number?

For security, Apple Pay uses a Device Account Number, which is a unique number assigned to each card. If the merchant requests the last 4 digits of your card number after you've made a purchase with Apple Pay, please provide the last 4 digits of the Device Account Number, which can be found by selecting the icon in Passbook.

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What should I do if I lose my iPhone?

If you lose your iPhone, please call us at the number listed on the back of your debit card. Let our Cardinal Customer Care Contact Center know that you lost your device and they will deactivate Apple Pay on your existing Cardinal Visa card.

Also, you should use Find My iPhone to quickly put your device in Lost Mode to suspend Apple Pay, or you can wipe your device clean completely.

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How do I use Apple Pay for returns?

Apple Pay is more secure, because it hides your actual debit card number. For each transaction, a unique ID number is generated and shared with the bank that issued the card. The bank then determines that the transaction is coming from your device and authorizes the transfer of funds to the vendor.

For product returns, the process simply moves in reverse. Ideally, you will show up at the returns desk with both your phone and a receipt.

In some cases, the merchant might require you to touch your phone to the point-of-sale terminal to process the return. Then you just hold your phone near the card reader, select the card you used for the purchase from Passbook, and rest your thumb on the TouchID button.

If you don’t have your receipt, some merchants may be willing to use your phone’s unique "device account number" to look up the receipt in their system. To see the last four digits of the device account number, go to Passbook, tap the card, and hit the icon at the bottom right corner of the screen. If the merchant can find a receipt that matches with that number, they’re likely to issue the refund. Depending on the return and refund policies of the store, it may take up to several days for the return transaction to appear on your debit card statement.

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Can I put my Card on multiple devices?

Yes, you can add your Card on up to 10 devices. Please note that your Card must be added to each device separately.

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Once I add my Card, how can I suspend the ability to make payments or remove Cards from my device?

To remove your Card on iPhone 6 or later, iPad Air 2 and iPad mini 3, select “Remove Card” in the “Wallet & Apple Pay” section of your device “Settings” or on the back of your Card in the Wallet app. You can also visit icloud.com/settings to remove your Card or Find My iPhone to temporarily suspend or permanently remove the ability to pay with your Cards on your device.

 

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Is my Card account number or other information being shared with Apple?

We will never share your plastic Card number with Apple. To deliver you the best Apple Pay experience, we will display certain account information on your device, such as data for your recent purchases, for each Card you have selected to use with Apple Pay, but not your full account information. At any time, you can turn off the display of transaction data manually within Apple Pay by adjusting the “Card Notifications” for each Card. If you have any additional questions about your device’s security features, please contact Apple directly.

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If I load my Cardinal Visa card onto my Apple device, will I be charged any new fees or rates?

There is no cost associated with adding your card to Apple Pay, although it does require an active data plan. Note that additional message and data charges may apply. Your credit card’s terms and conditions, and your check card’s Deposit Account Agreement will apply to all Apple Pay purchases.

 

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How do I make sure Apple Pay is turned off when I don’t want to use it?

Apple Pay is locked when the device is locked. Touch ID is required in order to use Apple Pay.

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I’m getting notifications for my Card in Apple Pay on my device. What are these notifications and how can I turn them on/off?

You will receive “Card Notifications” for your Cardinal Visa Card in Apple Pay on iPhone and iPad letting you know about purchases made with your plastic Card and purchases made in Apple Pay. You can turn your notifications on or off by adjusting the “Card Notifications” settings for each Card within the “Passbook & Apple Pay” section of your device “Settings.” Please keep in mind that by turning off your “Card Notifications,” you will no longer receive transaction notifications or other special messages from your Cardinal Visa Card on the front of your Card, and you will no longer see your transaction history on the back of your Card in Apple Pay.

 

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SmartWatch Banking

What can I do with SmartWatch Banking?

You will be able to view account balances on your watch without logging in, locate nearby Cardinal Bank branches and ATMs, and create your personal account settings to determine which accounts to view on your watch and view the last 5 transactions.

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Do I need to pair my Apple Watch with my iPhone to use SmartWatch Banking?

Yes. 

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Is SmartWatch Banking with Apple Watch secure?

The long-lived OAuth2 token stored in iOS Keychain only permits checking balance functionality.  Also, if a customer doesn’t log into the phone app within 30 days, he will need to log in once for the balance to continue being viewed without login.

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Can I use SmartWatch Banking with my Android Watch?

Yes. You may use SmartWatch Banking with your Android Wear products.

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How do I get real-time balances and automatic daily balance updates on my Andorid Wear?

Go to the Google Play™ Store and download the Android Wear app on your smartphone, then pair it with your smartwatch. Log in to the Mobile Banking app on your phone and select Quick Balance Settings from the main menu, then choose which account types you would like to enable for Quick Balance. To get an automatic daily balance update sent to your smartwatch, tick the ‘Quick Balance on your smartwatch’ box. Once set up, you can retrieve your balances using ‘OK Google’ voice commands (saying “Ok Google, start Quick Balance”), or by selecting Quick Balance from the start menu.

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Which smartwatches/smartphones will the service work with?

This service is available to customers with an Android Wear smartwatch paired to an Android smartphone running Android 4.3 or higher (with the Mobile Banking and Android Wear apps installed). Apple Watch an iPhone 5, 5c, 5s, 6, or 6 Plus and iOS 8.2 or later.

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Security FAQs

What is Vishing?

Vishing is a tactic that fraudsters use that involves social engineering. Often times by use of phone through text message requesting action. The fraudster will then attempt to solicit your personal information to either try to gain more private information with that info, or try to open new accounts in your name.

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What is Pharming?

Pharming is a scam where a fraudster will install malicious code on a personal computer or server. The code will redirect clicks you make on a particular website to a fraudulent website without your consent or knowledge. Be suspicious of the websites you visit when you are entering any financial information.                        

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What are characteristics of a secure password?

Characteristics of a secure password include but are not limited to:

•Contains Special Characters

•Is not a reused password

•Is a long password- at least about 10 characters, try creating a phrase or sentence and use the first letters of each word. Also, this password is not an actual word and only you will remember it. I.e: create a phrase like 'I hope the Giants will win the World Series in 2016' and take first initials and letters to create the password 'IhtGwwtWSi2016!'''. 

•The password is not written down

•Not used on a public computer

•Password is changed frequently

 

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What is Multi-Factor Authentication?

Authentication that requires beyond login credentials, either by way of a designated security question or one time passcode delivered to a personal email address or cell phone.

This Authentication creates an extra barrier for a hacker looking to access your accounts

Have you ever been frustrated by having to put in a code from a text after initial login? The simple extra step for you allows for greater protection of your account information.

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What is a DOS attack?

A denial of service attack is an attempt to make a machine or network resources unavailable to its intended users. This affects primarily individual users on personal networks.

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What are common steps to protect myself or my business?

  • Educate your employees.
  • Protect your online environment. It is important to protect your cyber environment just as you would your cash and physical location.
  • Partner with your bank to prevent unauthorized transactions. Talk to your banker about programs that safeguard you from unauthorized transactions, such as
  1. Positive Pay
  2. Credit/Debit Filter,
  3. Device Authentication, multi-person approval processes and batch limits which help protect you from fraud.

Pay attention to suspicious activity and react quickly.

Understand your responsibilities and liabilities.

 

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What is Malware?

Malware is a term for any software that gets installed on your machine and performs unwanted tasks, often for some third party's benefit. Malware programs can range from being simple annoyances to causing serious computer invasion and damage. (e.g, stealing passwords and data or infecting other machines on the network).

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What are Botnets?

Botnets are generally networks of computers infected by malware (computer virus, key loggers and other malicious software) and controlled remotely by cybercriminals, usually for financial gain or to launch attacks on website or networks.  Botnets may infect and use laptops, desktops, servers, routers, smartphones, or any other network equipment to conduct malicious activity.

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What are common steps to protect my mobile device?

-Use a strong passcode lock and or biometrics on your smartphone and other devices.

-Log out completely and close the app when you finish a mobile banking session.

-Use caution when downloading apps. Apps can contain malicious software, worms, and viruses. Beware of apps that ask for unnecessary “permissions.”

-Avoid storing sensitive information like passwords or a social security number on your mobile device.

-Wipe your mobile device before you donate, sell or trade it using specialized software or using the manufacturer’s recommended technique. Some software allows you to wipe your device remotely if it is lost or stolen.

-Be aware of shoulder surfers. The most basic form of information theft is observation. Be aware of your surroundings especially when entering in sensitive information.

 

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What to do if your identity has been compromised?

  • Call the Cardinal Bank call center immediately at 703.584.3400 so they can have your card blocked and or close your accounts.Cardinal provides round the clock service with call back after hours and on the weekends.
  • Contact the fraud unit of the three credit reporting agencies. Place a fraud alert on your credit report and consider placing a credit freeze so the criminal can’t open new accounts. The fraud unit numbers are:
  • Equifax: (800) 525-6285
  • Experian: (888) 397-3742
  • TransUnion: (800) 680-7289
  • Report the fraud to the Federal Trade Commission at consumer.gov/ID theft or call 1-877-IDTHEFT (1-877-438-4338).
  • File a police report.
  • Make sure to maintain a log of all the contacts you make with authorities regarding the matter. Write down names, titles and phone numbers in case you need to re-contact them or refer to them in future correspondence.

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What is a Trusteer Rapport?

Trusteer Rapport is a security software solution that helps protect your online accounts by providing an additional layer of security to any anti-virus or security software you already use.  By protecting your Internet connection, Trusteer Rapport creates a tunnel for safe communication and to help block malicious attempts to access your accounts.  Learn more with our FAQs or view the video.  Or, get Trusteer Rapport now for Online Banking or for Cash Management Online.

3 Reasons to Download Trusteer Rapport Include:

  • Free to you as a Cardinal Bank Customer
  • Takes just minutes to install and runs along side your current antivirus software
  • Alerts you upon visiting a suspicious website that may have resulted from Phishing

Learn More about Tusteer Rapport and how it can better protect you.


 

 

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Card Fraud Alerts

What cards are included in the Card Fraud Alerts?

Card Alerts are available for both personal and business Credit Cards and CheckCards.

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What types of alerts are available with Card Fraud Alerts?

Three types of alerts are now available:  text, voice, and email.  

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Do I need to enroll in Card Fraud Alerts?

All customers are eligible for Card Fraud Alerts, however, in order to participate, you must provide us with your current cell phone number, home or work number and email address to ensure you recieve alerts. Please call our Customer Care Contact Center at 703.584.3400, option 2, visit a Banking Office near you, or send us a secure email through Online Banking.

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How can I make sure my contact information is up-to-date so that I receive the alerts?

Please call our Customer Care Contact Center at 703.584.3400, option 2.

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How do Card Fraud Alerts work?

If we see a transaction that looks suspicious based on how you use your Card, we will use a variety of communications methods with you to confirm whether or not the transaction is legitimate:  text, voice call, and email.  Alerts will be sent to you real-time as transactions occur and the suspicious transaction will be temporarily blocked until we receive a response from you.  Note that if a transaction is considered a high risk factor, the card may be blocked immediately and then we will try to contact you. 

 Alerts that are generated overnight will be sent via email only until calling and texting hours are available.  Texts will be sent from 7:00 am-10:00 pm, ET.  Calls will be sent from 8:00 am to 9:00 pm, ET.

 

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How will I be notified if there is suspicious activity on my card?

We will first attempt to contact you via two-way text message.  You can reply to the text with a “Yes” if it is a legitimate transaction that you conducted or “No” if it is not.  If we do not hear from you with 30 minutes of the text message, we will contact you via an automated voice call at the phone number of file which may be your home, cell phone, and/or place of business.  If we do not receive a response from you, we will send an email with instructions on how to validate the transaction. 

 Alerts that are generated overnight will be sent via email only until calling and texting hours are available.  Texts will be sent from 7:00 am-10:00 pm, ET.  Calls will be sent from 8:00 am to 9:00 pm, ET.

 

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How will I know the alert I receive is from Cardinal?

  • Text/SMS alerts will appear similar to the language below:
  • FreeMsg: Cardinal Bank Fraud Dept:  Suspicious txn on acct 1111:  $201.99 MERCHANT NAME.  If authorized reply YES, otherwise reply NO.  To Opt Out reply STOP.
  • If you receive an automated call, the voice will identify as being on behalf of Cardinal Bank Fraud Service Center. 
  • If you receive an email, it will be from FraudServiceCenter@cardinalbank.com.

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When I’m contacted, will I need to provide personal information?

No.  We will not ask for account or personal information if you are notified of suspicious activity.  You will simply be asked to confirm if suspicious purchases are valid or not.

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Will this prevent fraud during the transaction in real-time?

Yes.  The alert will be triggered in the middle of the transaction and will not allow the purchase to be made until we receive a response from you.

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What happens if I respond that the transaction is legitimate?

If you respond to us that the transaction was initiated by you, you will be able to attempt the transaction again within 5-10 minutes of the initial text, call, or email to validate the activity.

 

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If I do have an unauthorized transaction, will I still be able to use my card?

If you confirm that the transaction was not initiated by you, we will put your card in a blocked Lost/Stolen status and you will not be able to use your card.  We will issue a new card to you.  If you have a CheckCard, you may visit one of our Banking Offices with instant issue CheckCards (note:  we do not offer instant issue credit cards) and receive a new card that day.  These Banking Offices are identified at www.cardinalbank.com/locations

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I don’t want to receive text alerts, can I opt out?

Yes, once you receive your first text alert, you may reply with STOP and you will no longer receive text alerts.

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Will I be charged by my carrier for text alerts?

We have negotiated charges with Verizon®, AT&TTM, SprintTM and T-Mobile® so that you will not be charged standard data or message rates for SMS text alerts if you are in the U.S.  International fees will apply.

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Do I need to notify Cardinal if I’m going out of the country?

Yes, please call our Customer Care Contact Center at 703.584.3400 or 1.800.473.3247, option 2 and let us know your travel dates. Otherwise, the system may evaluate a transaction as suspicious and if you do not respond to the alert, your card may be blocked and unusable while you are traveling.

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Cardinal Purchase Alerts

How do I sign up for Cardinal Purchase Alerts?

Simply go to visa.com and enroll your Visa CheckCard and/or Credit Card number(s) and set-up your alert preferences. 

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Will I get an alert every time I use my card?

You can control your alerts by setting-up your own preferences.  This will determine how often you receive an alert.  For example, if you choose to receive an alert for purchases of $50 or more, you will only receive an alert only for purchases at that threshold and no alert will be sent for any purchase under $50.

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Are all my CheckCard purchases covered

No. Cardinal Purchase Alerts will only monitor purchases where you choose the credit option at the terminal and sign your receipt. If you choose Debit and put in your PIN, you will not recieve an alert.

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Will I receive an alert if I purchase something on the Internet?

Online purchases processed by Visa or VisaNet are monitored by Cardinal Purchase Alerts and you will receive an alert if your purchase meets or exceeds the dollar amount threshold you established.

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