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Online Account Opening Truth In Savings Disclosures

Truth in Savings Disclosures

Terms and Conditions for the accounts listed below are subject to change.

President's Club Checking

Terms and Conditions are subject to change.

Account Information

This is an interest-bearing account.  At our discretion, we may change the rate on the account weekly without notice.  Interest will be compounded monthly and will be credited to the account monthly. 

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account for each day. 

Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

The minimimum opening balance requirement for this account is $100.00.

Rates For interest rate, APY and balance tiers, refer to the Cardinal Retail Accounts Rate Sheet.
Fees

Fees could reduce earnings on interest.

For account fees, including monthly maintenance fees, refer to our Fee Schedule.

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Chairman's Club Checking

Terms and Conditions subject to change.

Account Information

This is an interest-bearing account.  At our discretion, we may change the rate on the account weekly without notice.  Interest will be compounded monthly and will be credited to the account monthly. 

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account for each day. 

Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

The minimimum opening balance requirement for this account is $1,000.00.

Rates For interest rate, APY and balance tiers, refer to the Cardinal Retail Accounts Rate Sheet.
Fees

Fees could reduce earnings on interest.

For account fees, including monthly maintenance fees, refer to our Fee Schedule.

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First Choice Checking

Terms and Conditions are subject to change.

Account Information

This is an interest-bearing account.  At our discretion, we may change the rate on the account weekly without notice.  Interest will be compounded monthly and will be credited to the account monthly. 

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account for each day.

Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

The minimimum opening balance requirement for this account is $100.00.

Account Transaction Requirements

To earn the Tier 1 rate one of the following two conditions must be met:

At least one (1) direct deposit (must be an ACH transaction)per statement cycle must post and settle;

OR

At least ten (10) CheckCard purchases/Point-of-Sale transactions (Pin or signature) per statement cycle must post and settle. ATM Transactions do not qualify as a CheckCard, Point-of-Sale or Direct Deposit Transaction.

If the above conditions are not met, the interest rate will change to the Tier 2 rate.

Rates For interest rate, APY and balance tiers, refer to the Cardinal Retail Accounts Rate Sheet.
Fees

Fees could reduce earnings on interest.

For account fees, including monthly maintenance fees, refer to our Fee Schedule.

ATM Fees and Surcharge Rebate

There are no Cardinal Bank fees on withdrawals from non-Cardinal ATMs. You may incur other bank's ATM surcharges. Cardinal Bank will reimburse your ATM surcharges from non-Cardinal ATMs up to $15 per statement cycle.

Other Disclosures

One account per tax identification number. Additional accounts earn the Tier 2 rate and/or may be closed. Available for Personal Accounts only. Account holder must be at least 18 years old. New money required. New money is defined as money not currently on deposit with Cardinal Bank. Existing checking customers and converted accounts or accounts with funds transferred from an existing Cardinal Bank account are subject to the Tier 2 rate.

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Interest Checking

Terms and Conditions are subject to change.

Account Information

This is an interest-bearing account.  At our discretion, we may change the rate on the account weekly without notice.  Interest will be compounded monthly and will be credited to the account monthly. 

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account for each day. 

Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

The minimimum opening balance requirement for this account is $100.00.

Rates For interest rate, APY and balance tiers, refer to the Cardinal Retail Accounts Rate Sheet.
Fees

Fees could reduce earnings on interest bearing accounts.Terms and Conditions are subject to change.

For account fees, including monthly maintenance fees, refer to our Fee Schedule.

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Simply Checking

Terms and Conditions are subject to change.

Account Information

This is not an interest-bearing account.

The minimimum opening deposit requirement for this account is $100.00.

Fees

For account fees, including monthly maintenance fees, refer to our Fee Schedule.

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Student Checking

Terms and Conditions are subject to change.

Account Information

This is not an interest-bearing account. 

The minimimum opening balance requirement for this account is $50.00.

Account Requirements

The Cardinal Student Checking account is available for a maximum of five years, after which time your account may be converted to a Simply Checking account and subject to the applicable checking account terms and service fees.  Students in school more than five years may need to re-establish student status to remain in the Cardinal Student Checking account.   Must be 18 years of age to obtain a Visa®  CheckCard.  Cardinal Student Checking requires e-statements (paper statements are not available).  e-Statements are available through Cardinal Online Banking.
Special Exception for 15, 16 and 17 Year Old Students:  Cardinal Student Checking is available to students who are 15, 16 or 17 years old when a parent or legal guardian is a co-signer on the account.  The student may also have a Visa CheckCard and may enroll in Online Banking and Mobile Banking.  Bill Pay will not be available.   The co-signer agrees to be responsible for the account, including CheckCard and online/mobile transactions, in order to ensure the account is in good standing.

Fees

 ***ATM FEES AND SURCHARGE REBATE***

There are no Cardinal Bank fees on withdrawals from non-Cardinal ATMs.  You may incur other bank’s ATM surcharges.  Cardinal Bank will reimburse your ATM surcharges from non-Cardinal ATMs up to $15 per statement cycle.

For account fees, including monthly maintenance fees, refer to our Fee Schedule.

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Golden 55 Checking

Terms and Conditions are subject to change.

Account Information

This is not an interest-bearing account.

Terms and Conditions are subject to change.

The minimimum opening balance requirement for this account is $50.00.

Account Requirements

This account is reserved for customers who are at least 55 years of age.

Fees For account fees, including monthly maintenance fees, refer to our Fee Schedule.

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Simply Savings

Terms and Conditions are subject to change.

Account Information

This is an interest-bearing account.  At our discretion, we may change the rate on the account weekly without notice.  Interest will be compounded monthly and will be credited to the account monthly. 

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account for each day. 

Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

The minimimum opening balance requirement for this account is $100.00.

Account Requirements This account requires an affiliation with Cardinal's Simply Checking, Online Banking with bill pay and a Cardinal Bank VISA CheckCard.
Transaction Limitations Federal regulation and our account agreement limit the number of preauthorized withdrawals and/or transfers that may be made from a savings account to six each monthly cycle or similar period of at least four weeks. Limited transactions include transfers or withdrawals that are preauthorized or automatic, by draft or debit card or similar order (including point of sale transactions), by computer (including online banking or bill payment transactions), by telephone (including facsimile or data transmission), overdraft protection, ACH, or wire transfer. If transaction limitations are exceeded on a regular basis, we may be required to convert your account to another type of account and your account may no longer earn interest. Transaction limitations do not apply to withdrawals made in person, by messenger, by mail or at an ATM.
Rates For interest rate, APY and balance tiers, refer to the Cardinal Retail Accounts Rate Sheet.
Fees For account fees, including monthly maintenance fees, refer to our Fee Schedule.

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Statement Savings

Terms and Conditions are subject to change.

Account Information

This is an interest-bearing account.  At our discretion, we may change the rate on the account weekly without notice.  Interest will be compounded monthly and will be credited to the account monthly. 

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account for each day. 

Interest begins to accrue on the business day you deposit non-cash items (for example, checks). The minimimum opening balance requirement for this account is $100.00.

Account Requirements  
Transaction Limitations Federal regulation and our account agreement limit the number of preauthorized withdrawals and/or transfers that may be made from a savings account to six each monthly cycle or similar period of at least four weeks. Limited transactions include transfers or withdrawals that are preauthorized or automatic, by draft or debit card or similar order (including point of sale transactions), by computer (including online banking or bill payment transactions), by telephone (including facsimile or data transmission), overdraft protection, ACH, or wire transfer. If transaction limitations are exceeded on a regular basis, we may be required to convert your account to another type of account and your account may no longer earn interest. Transaction limitations do not apply to withdrawals made in person, by messenger, by mail or at an ATM.
Rates For interest rate, APY and balance tiers, refer to the Cardinal Retail Accounts Rate Sheet.
Fees For account fees, including monthly maintenance fees, refer to our Fee Schedule.

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Money Market

Terms and Conditions are subject to change.

Account Information

This is an interest-bearing account.  At our discretion, we may change the rate on the account weekly without notice.  Interest will be compounded monthly and will be credited to the account monthly. 

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Interest begins to accrue on the business day you deposit non-cash items (for example, checks). The minimimum opening balance requirement for this account is $2,500.00.

Transaction Limitations

$10.00 per withdrawal fee in excess of the legal limit.
Federal regulation and our account agreement limit the number of preauthorized withdrawals and/or transfers that may be made from a savings account to six each monthly cycle or similar period of at least four weeks. Limited transactions include transfers or withdrawals that are preauthorized or automatic, by draft or debit card or similar order (including point of sale transactions), by computer (including online banking or bill payment transactions), by telephone (including facsimile or data transmission), overdraft protection, ACH, or wire transfer. If transaction limitations are exceeded on a regular basis, we may be required to convert your account to another type of account and your account may no longer earn interest. Transaction limitations do not apply to withdrawals made in person, by messenger, by mail or at an ATM.

Rates For interest rate, APY and balance tiers, refer to the Cardinal Retail Accounts Rate Sheet.
Fees For account fees, including monthly maintenance fees, refer to our Fee Schedule.

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First Choice Savings

Terms and Conditions are subject to change.

Account Information

This is an interest-bearing account.  At our discretion, we may change the rate on the account weekly without notice.  Interest will be compounded monthly and will be credited to the account monthly. 

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account for each day. 

Interest begins to accrue on the business day you deposit non-cash items (for example, checks). The minimimum opening balance requirement for this account is $50.00.

Account Requirements First Choice Savings is available for new personal accounts. First Choice Savings requires e-statements (paper statements are not available). e-Statements are available through Cardinal Online Banking.
Transaction Limitations

Federal regulation and our account agreement limit the number of preauthorized withdrawals and/or transfers that may be made from a savings account to six each monthly cycle or similar period of at least four weeks. Limited transactions include transfers or withdrawals that are preauthorized or automatic, by draft or debit card or similar order (including point of sale transactions), by computer (including online banking or bill payment transactions), by telephone (including facsimile or data transmission), overdraft protection, ACH, or wire transfer. If transaction limitations are exceeded on a regular basis, we may be required to convert your account to another type of account and your account may no longer earn interest. Transaction limitations do not apply to withdrawals made in person, by messenger, by mail or at an ATM.

Rates For interest rate, APY and balance tiers, refer to the Cardinal Retail Accounts Rate Sheet.
Fees For account fees, including monthly maintenance fees, refer to our Fee Schedule.

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Money Market

Terms and Conditions are subject to change.

Account Information

This is an interest-bearing account.  At our discretion, we may change the rate on the account weekly without notice.  Interest will be compounded monthly and will be credited to the account monthly. 

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Interest begins to accrue on the business day you deposit non-cash items (for example, checks). The minimimum opening balance requirement for this account is $2,500.00.

Transaction Limitations

$10.00 per withdrawal fee in excess of the legal limit.
Federal regulation and our account agreement limit the number of preauthorized withdrawals and/or transfers that may be made from a savings account to six each monthly cycle or similar period of at least four weeks. Limited transactions include transfers or withdrawals that are preauthorized or automatic, by draft or debit card or similar order (including point of sale transactions), by computer (including online banking or bill payment transactions), by telephone (including facsimile or data transmission), overdraft protection, ACH, or wire transfer. If transaction limitations are exceeded on a regular basis, we may be required to convert your account to another type of account and your account may no longer earn interest. Transaction limitations do not apply to withdrawals made in person, by messenger, by mail or at an ATM.

Rates For interest rate, APY and balance tiers, refer to the Cardinal Retail Accounts Rate Sheet.
Fees For account fees, including monthly maintenance fees, refer to our Fee Schedule.

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Monster Money Market

Terms and Conditions are subject to change.

Account Information

This is an interest-bearing account.  At our discretion, we may change the rate on the account weekly without notice.  Interest will be compounded monthly and will be credited to the account monthly. 

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account for each day. 

Interest begins to accrue on the business day you deposit non-cash items (for example, checks). The minimimum opening balance requirement for this account is $25,000.00.

Account Requirements

You must deposit $25,000 in new money to open this account, in combination with a new checking account.

Transaction Limitations

$10.00 per withdrawal fee in excess of the legal limit. Federal regulation and our account agreement limit the number of preauthorized withdrawals and/or transfers that may be made from a savings account to six each monthly cycle or similar period of at least four weeks. Limited transactions include transfers or withdrawals that are preauthorized or automatic, by draft or debit card or similar order (including point of sale transactions), by computer (including online banking or bill payment transactions), by telephone (including facsimile or data transmission), overdraft protection, ACH, or wire transfer. If transaction limitations are exceeded on a regular basis, we may be required to convert your account to another type of account and your account may no longer earn interest. Transaction limitations do not apply to withdrawals made in person, by messenger, by mail or at an ATM.

Rates For interest rate, APY and balance tiers, refer to the Cardinal Retail Accounts Rate Sheet.
Fees For account fees, including monthly maintenance fees, refer to our Fee Schedule.

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